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Erase Bad Credit

To erase bad credit, you'll first need to understand the state-of-the-industry when it comes to credit scoring and credit records.

Your credit score is determined by use of a complex system applying weighted values to many data factors. Most important is length of your credit history, the number and types of accounts you have on record, how much is owed compared to your total credit line, and how timely payments have been made. Most credit reports contain errors. The odds are that your's is one of them.

Credit repositories deal with millions of credit files and are constantly updating the info in those files. Mistakes are bound to be made while trying to manage that much data. Some of the most common errors are these:

  • Duplicate records

  • Other people's accoutns

  • Paid or closed accounts that have not been removed

  • Items that have been successfully disputed but never removed

  • Accounts or charges resulting from identity theft

  • Posted balance errors

  • Records of credit entries taken without your knowledge or consent

The Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA) and Fair and Accurate Credit Transactions Act (FACTA) allow you to investigate and challenge questionable items on your credit report. It is legal and ethical, even responsible, to remove unfairly reported listings from your credit report.

You, the consumer, can erase bad credit by disputing records on your own, provided you know the protocol. Over time, with the practice of responsible money management, you can further repair your credit rating.

If you don't have time, or don't know where to start, contact the professionals at RMCN Credit Services for assistance. We know the laws inside-and-out and can get your inaccuracies, as well as certain other items, removed. By law, the credit bureaus must provide adequate proof of their records or remove disputed items. We hold the credit bureaus legally responsible for what they list on your credit report. This will erase bad credit.

We realize that all things being equal, you'll do business with those you know, like and trust. We have built our business one relationship at a time. Get to know us. You'll like us and you'll trust us. Contact the professional credit repair specialists at RMCN Credit Services today.

Additional information is located on these pages:

 

RMCN Credit Services

1611 Wilmeth Road, Suite B

McKinney TX 75069

(972) 529-0900 Office (972) 562-0225 Fax

Toll Free (888) 4-MY-REPAIR

Se Habla Español

 

©1997- RMCN Credit Services, Inc. All rights reserved. RMCN Credit Services, Inc does not provide tax, legal or financial advice. If you need any type of legal advice,
you must contact a licensed attorney. Comments about the possible and/or potential outcome of Client's matters are based upon experience and prior success in these matters.
RMCN does not guarantee the permanent removal of accurate and verifiable information. Client's active participation in providing RMCN all requested documents, forms,
and information including investigation results are essential for the accomplishment of an accurate credit report. Individual results may vary.

RMCN does business exclusively within the State of Texas. (Client) has initiated contact with RMCN for purposes of retaining its Texas-based services. RMCN's performance under its
(contract) will take place solely within the State of Texas. The parties agree that RMCN has not established contacts within, or availed itself of the laws of, any state other than Texas.