How Credit Repair Services Can Help You
Technically, credit repair can involve fixing your bad credit in any way, shape or form, but when most people use the term, they’re referring to the process of disputing errors on credit reports. You can go through this dispute process for free with each of the credit bureaus on your own. This involves filing a formal dispute with the credit bureau(s) in question either online or via snail mail. That formal dispute should provide a detailed explanation of the error and you’ll want to include any supporting documentation you have along with it. (You can learn more about disputing errors on your credit report here.)
What Do Credit Repair Companies Do?
A good credit repair company will also first pull your credit reports from each of the three major credit reporting agencies to pinpoint your credit issues. Why all three? Because each credit reporting agency has its own “data furnishers” (aka lenders, credit card companies, debt collectors, etc.) who report your credit information to them. And there may be errors that appear on one of your credit reports, but don’t appear on the others.
Once those errors have been identified, you’ll then give a credit repair company any supporting documentation you might have or need. For example, if there’s a bill on your credit report that your husband or wife was actually responsible for under your divorce decree, you can use that document to prove it shouldn’t be impacting you.
In some cases it might be difficult to determine what to include as far as supporting documentation goes — that’s another way a credit repair company can help you. For example, if you’re a victim of identity theft and a fraudulent account is appearing on your credit report, it can be tough to prove it isn’t yours since you naturally don’t have any documents relating to the account.
When the bureaus and data furnishers receive the dispute and supporting information, they will then work with the credit repair company to determine if the item should be removed from your credit report. The major law dictating your rights when it comes to credit reporting is the Fair Credit Reporting Act, but it isn’t the only law on your side when it comes to credit repair.
Our goal is to educate, advise, and restore your credit so that you can get back to what you do best, focusing on growing your business.
Satisfied Client Stories
G-Force Funding made our process of receiving funding for our small business super easy and were very informative throughout the whole process. Nick was very responsiveness and gave us multiple options for us to proceed with, which is important as there are usually so many confusing options. They still reach out to me to check in frequently, I am overall very happy with the experience.
by M. Jafari, Luna's Bakery
We consistently got contacted by different companies offering us lending through different options. The problem was we did not or understand the difference exactly between all of the different companies.G-Force Funding was very helpful in that they were able to break down and compare for us all of the terms and offerings between various lenders we qualified with. We felt at ease having someone there to explain everything to us the whole time.
by Gary G., Gary's Air Conditioning
Almost immediately after submitting our business information on their website I was contacted by Jake who took extensive time to understand my business before pushing a product to me. I liked knowing that I am dealing with a company that is taking time to really understand what my long term goals are, rather than just quickly offer me a service. I would definitely recommend them.
by Adam L., Premier Staffing
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