Several companies offer services to their customers by improving their credit scores in return of a fee. One such company with a mission to positively enhance the lives of its customers in San Diego credit repair. They aim to provide services with balance, excellence, knowledge, and determination towards a better community.

Doug Parker started the company by providing help to his family and friends with issues on bankruptcy, tax liens, defaults, collection problems, and wrong payments. He gained experience with this service when he was trying to deal with improving his lousy credit. There is a long list of issues San Diego credit repairs deal with for their customers. It starts with the theme of resolving issues related to, misspelling names to erase bad credit score, and all problems get solved under one platform.

credit repair

The company performs credit repair following three steps; Check, challenge, and change. In the first step, the company collects your credit report from all three bureaus services, i.e., Experian, TransUnion, and Equifax. After that, it reviews these reports and enlists all harmful errors on the reports. Then it will calculate the charges applicable to the services they offer and will ask you whether you want to challenge these charges or not. At this stage, you can decide whether to go straight through the repair process or first challenge the objection to your report. 

If you agree to challenge the objections, they send a letter to the scoring companies to resolve the issue. You can determine the challenge by either verifying the item or ignoring it once. It means that you update your information with the company by directly providing the details related to the charges.

 

Now in case, the reporting company does not respond to your challenge, you can object to the report. They will remove the negative items from the report. It means that if you have charge of not paying the debt, or guilty of late payments, but in reality, you did not fall into these. You can ask the reporting agency to remove it from your credit report. You can provide your payment slips to resolve the issue.

In contrast to other credit repair companies, San Diego credit repair does not give misleading information regarding the removal of negative items from a credit report. It gives you a smart and permanent solution. They negotiate with the lenders to permanently remove negative items from your report.

The professional staff contacts the creditors to reduce your remaining debts up to 20-40%. Moreover, reducing the deficit, they pay off your remaining amount with your consent to show zero balance and remove negative items on credit scores. After this, they review your data to verify that data gets updated and renewed. The company offers services to help their customers learn the process to improve their credit scores. And with new, improved credit scores, you can recover the trust of your lenders.

 

Credit repair is not a problem. It’s a simple thing to do and doesn’t even take months. If you have a bad credit score, then it is very important for you to fix your credit score, as it will have a huge impact on your financial background. Now you might have seen ads in newspapers, internet, social media, TV or even heard them on a radio regarding credit repair such as; “Bad Credit? No Problem”, or “We can erase your bad credit with a 100% satisfaction guaranteed”, these ads are basically by different companies who facilitate you in fixing your bad credit score. All you Have to do is “Pay”. Here are two companies in San Diego that offer credit repair services;

  1. Credit Corner

It’s also a debt relief service. They help you raise up your score, causing you to get loans easily for buying a car, a house or starting up your own business. At first, they ask you for a paperwork and afterword’s, they start working, removing the negative remarks and increasing score. People often refer them to others due to their great services.

  1. Next Gen Financial Planning

It’s an investing and a financial advice service. They give you an overall detail regarding financial planning and how to avail it with an unbiased advice. They help you understand investing and guide you with reasons on why is it important for you to invest.