Having good credit is one the best things you can do for yourself in life, and when negative items appear on your report, it can hinder you from receiving the credit you'll need when trying to purchase a car, home, or any other type of personal or business loan. This can mean high interest rates resulting in thousands of extra dollars out of your pocket, as well as the worst thing we all dread... CREDIT DENIAL!

Credit Xperts believes that everyone can improve on their credit, and we are here to help. From bankruptcies to repossessions, collections to charge-offs, late payments and inquiries, we will do everything possible within legal limits to get your inaccurate items updated to a positive rating or even removed.

Below is how our process works:

1. Free Consultation: We will go over your credit file with you and analyze you credit reports and recommend a plan based on your own personal needs.
2. Once we receive all required documentation from you, we will add your information to our database.
3. We council you during the process on how to keep your credit scores high and how to stay on track with your credit.
4. Send out the disputes for the items you are in question with to all the the three major credit bureaus. Once the investigational process has begun and items have been submitted we will keep in contact with you either by phone, email or direct mail with the items that we have investigated. Within 30-45 days you will receive updated reports showing the results automatically from the credit bureaus. Each time you receive these new reports, we will need you to forward them to us as quickly as possible so that we can update your file and continue on with the investigation process.
5. We then update the information in our database and send you a detailed report on the status of the investigation.
6. All remaining items in questions are redisputed and the process continues.
7. Debt validation , settlement negotiation & good will letters are prepared if necessary or requested by you.
8. We continue working on your file until we have fully investigated items in question on your file or until you are happy with the results.
9. Last is the credit rebuilding process. We show you how to obtain credit and rebuild your credit file to obtain a higher credit rating.
   
   Please note that it can take as little as 30 days to 6 mths to see any positive changes. Please be patient; credit restoration is a process and can not be done overnight. We believe it is important to be honest with our clientele so we will not make any claims without first seeing your credit file. It takes time to clean up your credit and only inaccurate or outdated items can be removed. Please see our Guarantee for further details.