Blog Contact Us
Speak to Our Experts
Credit Repair

How it Works…the details

Less Than Perfect Credit? 

Repairing your credit score is essential. Credit scores are used to determine if you qualify for a mortgage, insurance, credit cards, and employment decisions. If you have had difficulties in the past and you would like to learn different ways you can increase your credit score, get expert help from Accelerate Credit Repair.

You can:

Improve your credit profile

Purchase the home you have always wanted

Improve your qualifications for employment

Lower your insurance rates

Stop paying utility deposits

Finally start feeling confident about your financial situation!

Your credit score is a simple three-digit number, but it’s rapidly becoming the most important number in your life. It decides what you will pay for mortgages, auto loans, credit cards and insurance. A bad score could cost you thousands of dollars on your next house or car. 

Nothing feels worse than when you are sitting at the bank or car dealership only to hear the words “Your application has been denied.” It is such an embarrassing feeling and we want to make sure you never have to face those circumstances again!

At Accelerate Credit Repair, we specialize in repairing credit reports. We help improve your credit profile by working to correct negative items on your credit reports that are causing your credit score to be low. Deleting these items is the most important thing you can do to raise your credit score.

Because these negative items will remain on your credit report for 7-10 years, many people find it impossible to recover from bad credit. Luckily, we offer a legal credit repair service to help people escape from “credit prison” and enter into the financial world again.


The Right Way 

 When most people think of credit repair they think of credit bureau disputes. Historically credit bureau disputes have been the heart of the credit repair process. It turns out that it is really just a first step. 

Credit bureau disputes are the essential to every successful credit repair program. And almost without exception it is necessary to start the process with these disputes. But if your efforts are confined only to disputing your issues with the credit bureaus you are virtually guaranteed to be disappointed. Time and time again, I hear first hand from clients, saying that they are fixing it themselves. 

 Hitting the Credit Repair Wall 

If you send a dispute letter to the credit bureaus you will receive a response back within thirty days or so. You might be excited to see that some of the problem items have been removed. You are also likely to see that some of the items that you have questioned have been verified. This can be frustrating. What is the next step? You might think that a second dispute is in order, and you may be right. Or you may be wrong. Read carefully. Has the credit bureau asked you to address all future inquiries to the original creditor? If so you may discover that additional credit bureau disputes produce no results.

Moving On 

Many consumers in search of professional credit repair services will find an ample supply of credit repair companies offering a basic low cost program that consists entirely of credit bureau disputes. What happens to this consumer when the credit bureaus ask you to direct future inquiries to the original creditor? There are two possibilities. 

 The End of the Road 

If you sign up for a credit repair program that only offers credit bureau disputes there is almost zero likelihood that you will end up as a satisfied customer. After the first round of disputes you may get few additional results. Or, if the company that you have chosen does offer additional levels of service you will probably find it necessary to upgrade to a more expensive version of the program in order to get the results that you desire. The truth is that the  dispute only credit bureau version of the program should never have been offered….EVER! 

An Integrity Driven Approach 

Remember that I started by saying that credit bureau disputes are the essential backbone of every successful credit repair program. It is so. In fact, it’s absolutely logical to start your dispute process with the credit bureaus. But to stop there would be like putting you’re a hat on and then imagining that you are fully dressed. A truly effective credit repair program will seamlessly move from credit bureau disputes to creditors as a natural part of the process. Collection agencies can be challenged as needed in the same way. 

 Educated Consumer 

Credit Repair can and will produce fantastic results if done in a competent and in a result driven manner. Would you go to dinner at a restaurant that only cooks the food half way? Would you hire an auto mechanic that takes your engine apart but doesn’t quite put it back together again? Of course not! Make sure that your credit repair company will complete the job that you hired them for. 

 An Easy Process 

It is our opinion that a credit repair program should be inclusive of every step that is necessary to produce the final desired result. And the credit repair professional should be armed with every tool needed to do the job. We believe that the process should be offered as a unified whole. Our customers hire us for the most important reasons in the world. Their goals are inseparable from the quality of their financial life. We believe that credit should be taken seriously. So serious, we dispute every item from day one. 

 Ahead Of The Dispute 

A comprehensive dispute process encompassing the credit bureaus, creditors, and even collection agencies is essential for success. But it is also equally imperative that these activities occur in the context of a complete understanding of both the credit scoring model and the way creditors view credit in making a decision. I cannot emphasize this enough! 

At Accelerate Credit Repair, we always have our customer’s goals in mind. You do not want to complete a credit restoration program and discover that your scores have suffered or that you don’t meet lenders criteria for credit content. That’s why we work with you and will educate you on the many different ways your score can be affected. When selecting a credit repair company make sure that they have the universal perspective that will produce the real results that you want. It turns out that the details can make all of the difference in the world. 

Our team has been in the finance industry for over 30 years. We have the fastest results in the industry and at Accelerate, your information is kept secure and is never sold to any third party vendors. We are FICO Pro Certified and we have a money back guarantee. 

Now is the time to change your financial future and it all starts with your credit. Call us today at (866)-528-1006 or request your free consultation below!

Credit Repair Articles
Service Image
Step 1: Credit Reports The very first step is to obtain your credit reports from all 3 major credit bureaus to know exactly what items are in your credit files. If you have recent copies of all 3 ..
Free Consultation
Accelerate Credit Repair is here to help with your credit repair and personal loan needs!

Some of Our Satisfied Clients

We have helped thousands of people just like you.

Customer Profile Image
Los Angeles, CA
My score was at 710 but I had tax liens that I tried to remove myself. I had been fighting with the state to get the..
Customer Profile Image
Murfreesboro, TN
I had just graduated college and was engaged to be married but I didn’t really know where my credit score stood. I h..
Customer Profile Image
Gallatin, TN
Accelerate Credit Repair got 100% of the derogatory items off my credit report in only 60 days and now we are qualif..
Customer Profile Image
Franklin, TN
Accelerate was able to improve my score from 609 to 680 in 90 days. I only needed a 620 to qualify for my loan but A..