What is Credit Restoration?
Credit restoration is all about returning your credit report and score to its previous state. Unless you once had perfect credit, the important thing to do is to get started to improve your scores. Your credit score is determined by a complex algorithm applying weighted values to many data factors. Very important is the length of your credit history, the number, and types of accounts you have, how much is owed compared to your total credit line, and how timely payments have been made.
Credit reporting services, such as Equifax, 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
Accounts that belong to others
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
Balances posted in error
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 to remove unfairly reported listings from your credit report. You, the consumer, can dispute on your own provided you know the protocol.
If you don’t have the 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, thereby helping you get clean 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 Finally Excellent Score 844FESCORE, today.

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Having bad or poor credit can be overwhelming, stressful, and expensive.  Money problems from having too low of a credit score is actually one of the top 10 reasons people in America divorce.  Ask anyone struggling with low credit scores and they will you that is no picnic.  So what steps should you take to restore your score?

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Know Your Rights
Did you know that you have the right to dispute derogatory or negative items on your credit history report even if these items were or are accurate?
Yes, even if you had late payments or were unable to pay a creditor the balance of a credit card, auto loan, medical bill, a mortgage, or have a bankruptcy, foreclosure or short sale, these items can be disputed and potentially removed if the creditor cannot or chooses not to verify the accuracy of what they previously reported.

7 Steps To Increase Your Credit Score 

1.  Pay all credit cards and any revolving credit down to below 30%
     of the available credit line. 
2.  Correct all inaccuracies on your Credit Report. 
3.  Do not close your old credit card accounts.
4.  Report If you have any negative marks on your credit report,              negotiate with the creditor/lender to remove them.
5.  Make sure that your proper credit lines are posted on your               Credit Reports.
6.  Avoid applying for new credit.
7.  Have at least three revolving credit lines and one active (or               paid) installment loan listed on your Credit Report.


Credit Restoration
Initially when a creditor (bank, finance company, credit card company, or any creditor), reports to one or more of the 3 credit bureaus regarding the status of your account this information is not verified. The 3 credit bureaus simply add it to your credit history report which affects your overall credit history and credit score. The FCRA gives you the right to dispute any item on your credit history report.
You want to look for a company that has a lengthy track record. Many companies have popped up in the last few years to take advantage of the number of people that want to erase bad credit and need this service. The company should be rated by the Better Business Bureau.
The Fair Credit Reporting Act (FCRA), a federal law, states that a credit bureau must correct or delete inaccurate, incomplete or unverifiable information on your credit history report. The 3 credit bureaus are Equifax, Experian and Transunion.
When an item is disputed it is done so through the 3 credit bureaus. The 3 credit bureaus then must contact the creditor and verify that the information is accurate. If the creditor cannot verify, or chooses not to verify this item on your credit history report within 30 days, the FCRA says that it must be removed. There are many reasons why a creditor cannot or chooses not to verify your account information. This process costs the creditor money by having to do the research and then respond to the 3 credit bureaus. They may not choose to pay money for a closed and/or charged off account. In addition, the account may have been sold to a collection agency. The collection agency may not have the information required to verify the accuracy of the account and therefore cannot properly respond to the dispute.
Read the FCRA for yourself
You can, if you have the time, patience, and energy; do self credit restoration and dispute items on your own by writing a credit report dispute letter to all 3 credit bureaus or by visiting their websites to attempt online credit repair. However, whether you write credit report dispute letters or try online credit repair this can be a long and frustrating process. You must know which of the 3 credit bureaus, perhaps all 3, have the item listed. Not all creditors report to all 3 credit bureaus. After you determine what information to put in the credit report dispute letter why are you disputing it? If the item does belong to you what are your grounds for dispute? Then what if the creditor does respond to the 3 credit bureaus and verify the accuracy of that item? Most people will give up at this point and live with the negative item on their credit history report for 7 to 10 years.
But you don’t have to wait 7 to 10 years even if the creditor does verify that the item belongs to you. A reputable credit restoration specialist with a great track record of success knows how to dispute items on your behalf and does not give up after just one dispute. There are over 2 dozen different dispute codes or reasons for the dispute that can be used. However, the 3 credit bureaus do not publish these codes and only very few are known to the general public. So, if you do not know the right code, or do not attach a code to your dispute, the 3 credit bureaus will assign one to your dispute for you before they send it off to the creditor for verification. However, a solid credit restoration specialist does know the right codes and therefore has a far better success rate in getting items removed than do individuals on their own doing self credit restoration.

Your financial health revolves around your credit score, making it imperative that the information your credit report contains is as accurate and up-to-date as possible. Work with our credit experts and proven system to eliminate any inaccurate, obsolete or erroneous accounts. We’ll teach you the exact information you need to provide to the Credit Bureau’s to use the Fair Credit Reporting Act to your advantage and dispute the mistaken negative ratings that may be preventing you from obtaining new credit when you need it most. Lower your interest rates, avoid high late fees, save money and advance your credit opportunities.
“Our credit education services can assist you in challenging the credit bureaus to remove inaccurate, obsolete and erroneous items from your credit report. Restore your score and maximize your financial opportunities!