How to Fix my Credit Rating
Effective credit repair is a highly specialised field. An in-depth understanding of the relevant legislation, along with experience in affectively communicating with credit providers and industry ombudsman are vital aspects of reaching a positive result. For most the best chance of restoring a credit file is to engage the services of a professional credit repair company such as Clean Credit.
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Clean Credit specialises in helping people restore their credit rating by removing or improving negative credit listings such as payment defaults or judgements. The positive affects of this process can be felt almost immediately upon the removal or correction of the offending credit item as the persons credit score will automatically adjust to reflect an increased figure.
Clean credit has one of the highest success rates in the industry
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From a clients perspective the process of credit repair takes place over a number of stages.
Signing up
Before Clean Credit can help restore someone’s credit file there are a few documents that need to be completed:
- Application form – this information is required to correctly identify the individual and conduct a credit report
- An Authority to Act – this document provides Clean Credit with authorization to communicate directly with the credit provider on behalf of our clients
- The background of the negative credit listing – at this time we gather information from our clients regarding the negative credit listing
Contact with the credit provider
Once we have received this information from our client, contact is made with the credit provider that entered the negative credit listing and in most cases a complete copy of all records that relate to the matter are requested. These records would include a copy of all the notices sent to the customer along with any file notes and phone records.
Clean Credit enjoys a close working relationship with many credit providers who like to help our company.
Investigation
Once these documents are received from the credit provider Clean Credit conducts a comprehensive investigation and applies the relevant legislation to the process the credit provider followed prior to entering the negative credit listing. At this time Clean Credit will often identify an inconsistency in the process followed by the credit provider.
Having the negative credit listing removed from the credit report
Clean Credit will deal directly with the credit reporting agencies such as Veda Advantage and Dun & Bradstreet in order to facilitate the removal or correction of the negative credit item from the credit report.
Once this process is complete the offending negative credit listing will be permanently removed from our client’s credit file, like it never existed.
It’s hard to provide an absolute time frame for this process however 95% of our clients will see results within four to six weeks of engaging our services.
The removal of negative credit listings such as defaults or judgements is something that Clean Credit specialises in. We have helped many to repair their credit and increase their credit scores allowing them to secure finance once again.
