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Description: |
We employ innovative solutions and
adhere to the laws and regulations that
govern the credit reporting industry.
With thousands of deleted items per
month, our methods are proven and
industry leading.
HTDI Financial has been helping people
remove inaccurate, incomplete and
unverifiable negative items from their
credit reports and increasing their FICO
scores. With a higher FICO score, our
clients have been able to refinance
their auto and home loans, saving a
considerable amount of money every
single month!
We are a company helping hard working
men and women repair inaccuracies from
their credit reports. We help thousands
of Americans repair their reports by
removing inaccurate, misleading, or
unverifiable items for them.
From late payments to charge offs to
bankruptcies, we've challenged and
deleted items in the past and average a
46.19% deletion/fix rate in just the
first round due to the high number of
errors found on credit reports today.
-- How do you restore bad credit? --
A disputed credit listing must be
verified as accurate for it to remain on
the credit report. If the credit
listings contains an error, the credit
bureau may simply correct the item, but.
very often, disputed credit items cannot
be verified because either the creditor
either no longer possesses necessary
information or does not to go to the
effort of verifying it. Furthermore, the
investigation must be completed within
30 days or the listing must be removed.
For these reasons, properly disputed
credit listings are removed from your
credit report with remarkable frequency.
At the conclusion of the credit bureau's
investigation, a new copy of the credit
report is sent to you along with any
deletions or improvements. You then mail
us the results and we update your file.
The cycle repeats itself at strategic
intervals.
-- How long does it take? --
Everyone wants you to see results
immediately. Although everyone's credit
history is different, everyone will see
responses from the bureaus within the
first 45 days. Every month after that
your credit picture improves. Credit
repair is not an overnight fix, however
significant changes can be seen as early
as just a couple of months. However a
majority cleanup may take between 6-12
months..
-- Can you guarantee to remove my
negative items?? --
No, and beware of companies that try to
say "Sure, we can remove your chargeoff".
The law does not allow for companies to
guarantee removal of negative
information. However, it's not the law
that stops us from making those claims,
it's just not ethical. No one can remove
accurate, verifiable and complete
information from your credit file.
That being said, we have been successful
in helping clients remove inaccurate,
unverifiable and incomplete information
from their credit file, thus improving
their credit pictures. We are willing to
assume some, if not all, of the risk of
taking on your account, because there is
no guarantee that items can be removed.
So therefore, if we cannot assist in
improving your credit file you are
covered under our money back guarantee.
-- What if removed items reappear? --
This happens occasionally either by
accident or a creditor has eventually
verified a particular item. This is what
is known as a 'soft delete' and the
credit bureau must send you a
notification letter within 5 days of
reinsertion. The FCRA (Fair Credit
Reporting Agency) has made it much more
difficult for a creditor to replace an
item once it has been removed.
If added by mistake, HTDI Financial will
re-challenge the item with the full
force of the prior removal in our favor.
-- Is this legal? --
Yes, you are given the right under the
Fair Credit Reporting Act (FCRA),
including the right to challenge
inaccurate, misleading and obsolete
items appearing on your credit report.
HTDI Financial uses every venue
available to you under the law to help
you assert these rights.
Disputing items on your credit report is
your legal right (see the Fair Credit
Reporting Act). When you use HTDI
Financial to help repair your credit, we
are abiding by and using all federal and
regional laws regulating third party
credit repair assistance.
-- How do you restore bad credit? --
A disputed credit listing must be
verified as accurate for it to remain on
the credit report. If the credit
listings contains an error, the credit
bureau may simply correct the item, but.
very often, disputed credit items cannot
be verified because either the creditor
either no longer possesses necessary
information or does not to go to the
effort of verifying it. Furthermore, the
investigation must be completed within
30 days or the listing must be removed.
For these reasons, properly disputed
credit listings are removed from your
credit report with remarkable frequency.
At the conclusion of the credit bureau's
investigation, a new copy of the credit
report is sent to you along with any
deletions or improvements. You then mail
us the results and we update your file.
The cycle repeats itself at strategic
intervals.
Everyone wants you to see results
immediately. Although everyone's credit
history is different, everyone will see
responses from the bureaus within the
first 45 days. Every month after that
your credit picture improves. Credit
repair is not an overnight fix, however
significant changes can be seen as early
as just a couple of months. However a
majority cleanup may take between 6-12
months.. |
