Credit problems have a way of piling up. When they do, fixing things can seem like trying to scale Mt. Everest. It doesn’t have to be that way, especially if you get help from a certified, nonprofit credit counselor on the CredEvolv platform.
No one knows this more than Jarad O.
When Jarad started working with us, his credit score was 594 due to a whopping 41 derogatory accounts. His personal, certified credit counselor was successful in deleting 30 of those accounts from his credit report. Nine months later, his credit score reached 708, exceeding his initial goal of 700!
Why shouldn’t I dispute things on my credit report myself?
When it comes to disputing derogatory information on a credit report, working with a certified, nonprofit credit counselor on the CredEvolv platform can be a game-changer. Yes, it might seem tempting to tackle this situation on your own. However, the expertise and guidance a credit counselor offers can make all the difference in getting some or all of those negative marks removed efficiently and permanently.
Credit counselors have a deep understanding of how credit reporting agencies work and the laws that protect consumers, like the Fair Credit Reporting Act (FCRA). This means they know exactly what to look for and how to communicate effectively with creditors and reporting agencies.
They can identify errors or unfair practices on your report that you might overlook. They’ll also know the right steps to take to ensure these issues are resolved correctly. By having a professional advocate on your side, you’re more likely to see faster, more favorable results than if you were navigating the process alone.
On top of that, disputing derogatory information can be time-consuming and frustrating. Credit counselors take the pressure off. Handling the back-and-forth communications with your creditors is part of their job. Meanwhile, you don’t have to worry about deadlines, follow-ups, or confusing jargon.
Letting a credit counselor do the heavy lifting frees up your time and gives you peace of mind, knowing you’re in good hands. It’s all about getting back on track sooner with fewer headaches. That’s the smart way to build a stronger financial future – with the guidance of someone who truly understands the system.
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