CAN BAD CREDIT BE REMOVED FROM MY CREDIT REPORT?

- Absolutely, and for many reasons. The obvious one being that a creditor has erroneously submitted it to a credit bureau. Many consumers' credit reports are incomplete and inaccurate. By law, Credit bureaus are obligated to remove erroneous account information in an expedient manner. Credit bureaus and even government officials employed by the federal trade commission want you to believe that it is not possible to delete bad credit from your credit report. We will do it legally and efficiently, in a manner in accordance with all the rules and regulations inherent upon our company.

Other questions:

• How much does bad credit cost?
• Over time does the deleted account reappear?
• Does paying off past due accounts help to improve my credit ratings?
• Why should I hire AA Credit Repair when I can dispute the negative items myself?
• What do I have to do?
• What can AA Credit Repair do for me?
• How is AA Credit Repair different from non-profit Credit Counselling Agencies?
• Why do the Credit Reporting Agencies dislike credit correcting challenges?
• Are items such as bankruptcies and foreclosures removable?

How much does bad credit cost?

AUTOMOBILE FINANCING:
It costs approximately eight thousand dollars ($8,000.00) to finance a twenty thousand dollar ($20,000.00) car over the course of five years.

HOME MORTGAGE
It also costs approximately one-hundred-thirty thousand dollars ($130,000.00) over the course of thirty years to finance just a $100,000.00 one-hundred thousand dollar home.

CREDIT CARDS
An individual with bad credit will not be able to obtain a prime credit card. There are a few credit cards available for individuals with bad credit, they are called sub-prime credit cards that usually come with exorbitant set-up fees, high interest rates and often require cash deposits. Most of these credit card issuers do not report your positive credit card activity to the credit bureaus.

Over time does the deleted account reappear?

- It is possible although the way in which AA Credit Repair disputes and contests the procedure in which the original creditor used to go about submitting the account to the credit bureaus minimizes this possibility.

Does paying off past due accounts help to improve my credit ratings?

To a very limited extent. The best way to improve a person's credit rating is to remove the negative item from their credit profile.

Why should I hire AA Credit Repair when I can dispute the negative items myself?

- Anyone can correct his or her own credit. Let's face it, many of us could represent ourselves in the court of law or file our own taxes as well, but we would rather hire lawyers and accountants. AA Credit Repair offers a professional alternative to correcting your credit profile. Due in part to the fact that creditors and credit reporting agencies do not want to remove negative items from consumers profiles, they will use a variety of roadblocks and bureaucratic red tape to delay the process and elude the credit laws. We are all too familiar with these tactics and have developed the best known plan of action to combat and obligate the creditors as well as the credit reporting agencies to adhere to and abide by all the rules and regulations of the Federal government. It has been our experience and for many reasons that the majority of creditors and the credit reporting agencies themselves have had much difficulty following proper Federal procedure either in handling and/or submitting a negative account to be placed on a consumers credit profile.

What do I have to do?

Call 920-882-7296 and ask for an application. We can take your information over the phone or we can mail/email you the paperwork.  Then either mail them to AA Credit Repair 1711 W. College Ave., Appleton WI 54914 or you may Fax these documents to 920-882-7295. Be sure to include copies of your personal information necessary to begin the process. A list of acceptable personal information is listed on page two of the credit repair package.

START UP INSTRUCTIONS:

Social Security Verification (as required by the credit reporting agencies) you must have one of the following forms of verification and send a copy to us via. U.S. Mail.

a) Photocopy of your Social Security Card
b) Photocopy of your pay stub displaying your full social security number
c) Photocopy of your W-2
d) Photocopy of your Health Insurance

Card that contains your full Social Security Number

CURRENT PICTURE I.D. (one of the following)

a) Photocopy of your drivers license
b) Photocopy of your State I.D.
c) Photocopy of your Passport

What can AA Credit Repair do for me?

- We can correct your credit profile. We remove negative items that have an adverse effect upon your credit rating. After we receive either your three in one report or each profile from Experian, Trans Union and Equifax and your personal information we will begin to dispute on your behalf all items that you wish for us to remove from your profile. You will need to specify which errors need to be removed.

How is AA Credit Repair different from non-profit Credit Counselling Agencies?

- We are very different from non-profit counselling agencies, first and foremost because we work for you and not the creditors which sponsor these types of agencies. And remember, the way they keep their sponsorship is by collecting money for them. They may say they work for you, but we all know in the end, that they work for whoever pays the bills. This means they are nothing but collection agents, sponsored by your lenders and creditors.

Why do the Credit Reporting Agencies dislike credit correcting challenges?

- Simply put, it creates more work for them without a margin for profit. And it makes them look bad in front of their subscribers. A person with bad credit has a seventy percent 70% higher rate of inquiries made on their credit report thereby increasing the profit potential for the credit bureaus that charge anywhere from three(3) to five (5) dollars per report. The issue is not always whether the information is accurate or not, but are the credit reporting agencies able and willing to prove it and verify it. If your defense is properly presented, it is usually more troublesome and costly for the credit reporting agencies to legally verify the information on your report than to delete it.

Are items such as bankruptcies and foreclosures removable?

- Absolutely. We do remove items of public record such as Bankruptcies and have done so for many of our past clients. This includes Tax liens whether Federal or State as well as Civil Judgments. These are all considered items of public record.