Since 2012, Taxes4Us has been helping people repair their credit. Bad credit can put a damper on major purchases and prevent people from buying a home, purchasing a vehicle, or making other large and important financial transactions. Your credit could also hold you back from getting good interest rates on a loan and put you in a bad position financially.

There are many misconceptions about credit repair but it largely depends on the quality of your provider and making sure that they really have your back. Taxes4Us has been doing this for a long time and we have the solutions for you. Click here to learn more!

Credit Repair Takes Work - There Is No Easy Button

Are you tired of being declined for loans and credit cards? Have you tried buying a home only to find out that your bad credit is the obstacle? Bad credit can derail your plans to move forward and secure a financial future.

The truth is that there is no quick fix for bad credit. There are options, however, and we have the methods that work.

Over the years, we have helped numerous clients regain control of their credit scores. We know how to legally and efficiently raise your credit score. Our expert credit advisors will do the heavy lifting and groundwork in repairing erroneous debts on your credit. We are here to make the long phone calls and help you plead not guilty to erroneous debts on your credit.

Why Having Good Credit Matters

Establishing a good credit score will help you save money and make some financial transactions much easier. There are plenty of benefits to having good credit, all of which help make your financial life much easier. The main benefits include:

• Low-interest rates on credit cards and loans
• A better chance of getting approved for credit cards and loans
• Gives you more negotiating power
• Higher limits on your borrowing capacity
• Have an easier time being approved for apartments and rental houses
• Better rates on car insurance
• Helps you avoid security deposits and utilities

Repair Your Credit to Prepare for a Mortgage

Everyone should get a shot at the American Dream of owning a home. Yet, in order to be approved for a home loan and get a decent interest rate, your credit score needs to meet some requirements. Loan officers will request a credit report and use that as one of the major criteria to approve you for a home loan. Fixing your credit can be a crucial step to qualifying for a mortgage loan and obtaining your home.

Lower Interest Rates on Credit Cards

Another major reason to fix your credit score is qualifying for credit cards with lower interest rates. Having a credit card with lower interest rates can come in handy when surprise expenses creep up.

Credit Repair FAQs

Why is credit repair important?

Your credit score will influence your qualification for certain loans in the future. Lenders are always trying to reduce risk when lending money and a credit history serves the purpose of providing lenders with a financial history of the person they are considering lending money to.

A high credit score reflects a good history of paying debts back. Many people, however, don’t realize that credit score is also impacted by other factors and is often negatively affected by erroneous charges or debts. This is why it’s key to monitor your credit and work hard to repair it if it has suffered considerably.

How long does the credit repair process take?

This depends on several factors. If there are errors in your credit score that can be successfully disputed, there could be an improvement in your score within six months. Other negative marks, such as major debt, can take a little longer to repair.

How long do credit disputes take?

Disputes will usually be corrected immediately. The credit bureau has about 30-45 days to respond. If accepted, it should be corrected right away. If not, and you receive no response then you can follow-up and even deal with the original creditor. So total time will depend on several factors, but we will not stop until we get results.

What does credit repair entail?

There could be any number of avenues through which we pursue repairing your credit. Some of the most common techniques include: pulling credit reports, disputing listings with credit bureaus, requesting debt validation from collectors, sending letters to original creditors, monitoring credit, and much more.

Contact Taxes4Us, Today!

When it comes to credit repair, there is no clear-cut answer. Everybody’s situation is different, but we have the solutions that will get your financial history in order. If you’re looking for better credit, connect with one of our credit experts today!