Home Page - Credit Healing: Improve the Quality of Your Life

Quickly Improve Your Quality of Life by Easily Repairing Your Credit

By clicking “Schedule an Appointment” I agree to be contacted by: live agent, artificial or prerecorded voice, SMS text and email about this and other offers; and accept the Privacy Policy and Terms and Conditions below.

Life is Much Harder with Bad Credit

If you have under a 650 credit score, you are likely experiencing all of the problems below which means you are spending more money than you truly should and are not being provided great opportunities that will improve the overall quality of your life. That is about to change now.

The Secret to Why We are Successful

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized

The Fair Credit Reporting Act REQUIRES the CRA's (Credit Reporting Agencies) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report.

Read More

The FCRA Requires The CRA's To Verify All Accounts With Your Original Contract Along With Your Signature

The FCRA requires all CRA's to VERIFY all information received from the creditors BEFORE adding them to your credit file but since it will be time-consuming and costly, they are taking the shortcut by doing everything electronically which is not how the FCRA says it should be done. To help you know exactly where in the Fair Credit Reporting Act it says the Credit Reporting Agencies must provide copies of your signed documents that verifies the accuracy of your accounts in their files, I have provided you with 4 paragraphs (along with my paraphrasing of them for your understanding) so you know that your disputes are in 100% compliance with the law. Pay special attention to the italicized section of each clause. It reads:

Read More

Section 2 of Page 39 Of The FCRA States That If Asked, The Credit Bureaus Must Provide A Copy Of Your Original Contract

1. (2) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section. (Page 39) Paraphrase: This is section is stating that if you ask in the right way, the CRA's must grant your request by providing you with the copies of the original documents you signed with the creditor(s).

Read More

Section (2)(E) of Page 39 Says That If The Accounts Are Outdated Or Cannot Be Verified, They Must Be Removed

2. (2), (E), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or cannot be verified. (Page 39) Paraphrase: This section has two parts - one is stating that your adverse items must be removed if they are outdated and the other part, which makes this process very easy for you to succeed (smile), is saying the CRA must "verify" that the accounts are valid. The next clause describes how your account must be verified.

Read More

Section (2)(B) States That The Credit Reporting Agencies Must Have Your Application on File As Proof of Verification.

4. (2) Verification (B) of the information in the consumer's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. (Page 5) Paraphrase: This section is stating that in order for your account to be considered verified, your CREDIT APPLICATION (i.e. a copy of the original document you signed) must be provided in which the creditors and lenders have in their possession - not the CRA's.

Read More

If Requested Properly, You Will Force Them To Delete Your Negative Accounts Because They Don't Have Verifiable Proof Those Accounts Belong to You

Therefore, according to the FCRA, all CRA's must provide must provide a copy of the verifiable original creditor documentation IF IT IS REQUESTED PROPERLY BY YOU THE CONSUMER, and since they don't have proof that the negative items are yours, then according to the FCRA, those items are classified as “UNVERIFIED”, and under the FCRA – all unverified accounts MUST BE DELETED. You have now been equipped with this POWERFUL knowledge... now you must use it to empower yourself!

Read More