It is federal law that consumers have the right to dispute erroneous, outdated, unverifiable or inaccurate errors in their credit reports. Creditors are the burden of proof to prove that the information stated in your credit report is 100% accurate and correct. The fact of the matter is that a large majority of us do have errors and inaccurate information in our credit reports. Under the guidelines of the law, creditors MUST remove these items if they cannot prove the information to be true within 30 days.
H and R Credit Solutions offers a 90 day program and we dispute each derogatory account on your credit report every 30 – 45 days. We also provide free consultations and financial counseling to help better your score and teach prevention methods to keep your score from falling. We also can aid with frivolous disputes and cease and desist letters for stop collection agencies from contacting you.
We work hand in hand with mortgage companies and other financial institutions across the nation. If you do not currently have a realtor or mortgage company, we would be happy to refer you to one of our partners in your state.
We offer a 100% free over the phone credit consultation where we will examine your three bureau credit report. During the consultation we go over our findings with you and provide a detailed plan specifically for your report.
If you decide to use our services after the consultation:
There will be a one time fee of $399 for individuals and $599 for couples. Unlike many companies out there we do not charge for a monthly subscription that can drag out for months or pay per item deleted costing you thousands in the end.