What is a credit score?
What makes REC outstanding?
Is credit repair legal?
What can you get with good credit?
How long will it take to see results?
Do you have a Warranty?
How will I know the results?
How much does your service cost?
Why do the Consumer Reporting Agencies Dislike Credit Repair?
Who are the Credit Reporting Agencies?
What happens to the debt after it comes off my credit reports?
What is a credit score?
"Credit Scoring" is a system creditors use to help determine whether to give you credit, and how much to charge you for it. When you apply for credit, the creditor or lender will often request your report (or credit score) from one of the big three bureaus (Equifax, Experian and Trans-Union). In some instances, however (such as when applying for a mortgage), the broker or lender will pull reports from all three. These Bureaus grade your "credit worthiness" by calculating your credit history against a system called the Fair Isaac Model.
There are 5 major factors that make up your credit score. See below for the "weight" they carry:
Payment History (35%)
Amounts Owed (30%)
Length of Credit History (15%)
New Credit (10%)
Types of Credit Used (10%)
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What makes REC outstanding?
Real Easy Credit, LLC works to improve your credit by disputing negative items
on consumers' credit reports. The staff at Real Easy Credit have a passion for helping people and take this very seriously. We have helped many people restore their credit and realize their financial dreams.
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Is credit repair legal?
Yes, Absolutely! The credit bureaus would like you to think that it's not.
Don't believe them! There is absolutely nothing illegal about disputing items on your credit report. In fact, The Federal Fair Credit Reporting Act encourages consumers to exercise these rights! Credit report repair is as legal as pleading "not guilty" in a court of law. Based on a study by a Public Interest Group, 79% of all credit reports contain errors, these errors are costing consumers millions of dollars in interest a year! You have the right to challenge inaccurate, out-dated, and unverifiable information that is reported on your credit report. You also have the right to hire a professional to assist
you.
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What can you get with good credit?
Home of your dreams!
Refinance at a lower interest rate!
Get the car of your dreams!
Get credit cards with low interest rates!
Take a vacation!
Lower insurance premiums!
Employment!
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How long will it take to see results?
The credit bureaus usually have 30 days to investigate correct or delete
inaccurate, incomplete, or unverifiable information; however, it will take a few more days for mailing, so approximately 45 days.
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Do you have a Warranty?
Yes! 100% Refund Policy
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How will I know the results?
The results of the investigations will come directly to you. You will then
forward the results to us so we can make the next move.
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How much does your service cost?
See our "Sign Up" section for details.
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Why do the Consumer Reporting Agencies Dislike Credit Repair?
Because they do NOT make enough money! People with "bad credit" have more
inquiries on their credit reports than someone with good credit. The CRA's love people with "bad credit" because that's where they make most of their money. The more you pull your credit, the more money the CRA's make! The CRA's want you to have bad credit and they want you to dispute it yourself. Why? Because they know that you're NOT familiar with the laws that promotes accuracy, fairness, and privacy of information on your credit reports. Thankfully, Real Easy Credit, LLC is thoroughly familiar with these laws! The staff at Real Easy Credit, LLC work to enforce these laws and help consumers with "bad credit" work to get "good credit"; CRA's don't like that, because they lose money once your credit is cleaned up! Instead of pulling your credit multiple times to get one loan, now you will pull it only once and get approved. You can attempt to repair you credit yourself or you may hire us to help you. It's up to you.
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Who are the Credit Reporting Agencies?
Credit Reporting Agencies are "For Profit" multi-million dollar corporation that gather information on individuals or firms. They are often called a “credit repository” or “CRA”. The three largest credit bureaus in the U.S. are Equifax, Experian and TransUnion. They report whatever they want, and sell that information to different types of companies like insurance companies and mailing list companies. The CRA's admit that there are errors on your credit reports, but do they care? I don't think so! You, the consumer have rights!The staff at Real Easy Credit, LLC work to enforce your rights! These are your rights:
You must be told if information in your file has been used against you.
You have the right to know what is in your file
You have the right to ask for a credit score
You have the right to dispute incomplete or inaccurate information
consumer reporting agencies must correct or delete inaccurate, incomplete, or
unverifiable information!
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What happens to the debt after it comes off my credit reports?
We do not advocate non-payment of debts. However, that is totally between you
and your creditors.
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