Free Credit Report
Pioneers in Credit Report Analysis
We Challenge Credit Bureaus and Creditors To Help You Achieve Your Highest Possible Credit Score
If We can't Improve Your Score
We Don't Take Your Case
Whats More Important Than Money?
TIME, and that’s because time is the one thing money can’t buy more of. For example you can buy a lawnmower, purchase the hedging tools and every weekend get outside for hours to service your lawn and garden OR you can hire a Lawn Care company to do it for you for $100/month, then sleep in on the weekends and wake up to a beautifully cut lawn and garden.
Well Credit Repair is rather similar. You can research your credit score, how it’s calculated, how the reporting works. Eventually you’ll learn what items are affecting your score the most, research the laws, determine if you should contact your creditors directly or pursue talking to the reporting agencies, try getting a hold of them, figure out what to say or write in a letter and constantly send them documentation back and forth challenging negative items OR you can Hire the Credit Giving Tree to do all this for you. We have dozens of proven pre-made templates to challenge any item that’s affecting your credit score. You just have to ask yourself two simple questions. How valuable is my Free time and how important is my credit score.
or you can follow these
4 simple steps to better credit
Enter your information to gain access to the client portal and get your account setup
An expert credit score analyst will review your FICO score in depth and discuss all questionable Items to get a full picture
Once your free analysis is complete you’ll work 1 on 1 with your personal case advisor for any questions as we work on your behalf.
Sit back we got it from here. You’ll know exactly how long the process will take from the video audit. You simply update your portals with letters from the bureau
Login to your client portal 24/7 to see resolutions and improvements. We also keep you updated via email
The Credit Giving Tree
Can Help With
FREE Credit Score
Ready to get your FICO Score Breakdown? 1-855-766-5005
CREDIT REPORT ERRORS - DID YOU KNOW???
of all credit reports contain errors serious enough to result in the denial of credit
of credit reports contain credit accounts that have been closed by the consumer but are reported incorrectly
of credit reports contain information that is very outdated, belongs to a stranger, or is totally incorrect
of credit reports contain mistakes that affect your credit score in some way.
The biggest issue with having bad credit is all the ways that it affects your life today and in the future.
These are just a few examples of how poor credit affects everyday Life..
If you’ve experienced some negative consequences from a poor credit profile take the first step with us and let’s get you going in the right direction.
We give our clients updates on their progress and educational information to improve your life and choices
Repairing your credit is a multi-faceted situation. We can remove and correct items that should not be there and we can help guide you in making lifestyle changes that will continue to improve your score. Simple changes will have huge lasting effects on your score and your life.
Create Free Account
Instructions on getting your Free Credit Reports.
FREE CREDIT REPORT EVALUATION
Upon receipt of your credit reports a Credit Giving Tree expert will conduct a line by line review and explain each item that’s affecting your overall score. After fully understanding your credit report we then explain the best course of action and detail the Plan that will maximize your score.
The Dispute Process
Choose Your Plan
Click Get Started to Schedule Your FICO Score Audit and Activate Your Account
Pay as You go
3 Disputes per Bureau per Month
3 Disputes per Creditor per Month
Pay as You go
Unlimited Disputes per Bureau
Unlimited Disputes per Creditor
You Have Questions - WE Have Answers
Creditors sell very critical information about you every day. It’s information that can affect almost everything in your life, from your car payment to your house to your job. So, it’s important to make sure that that information is as substantiated, timely, accurate and fair to you as absolutely possible. A lot goes into these definitions. This is where the Credit Giving Tree experts come in. It’s their job to help you assess the items on your credit report and then intervene with your creditors to help uphold these standards regarding the information they report about you to the bureaus
Yes, it’s actually one of the best things you can do, it may help in a few very important ways. When someone files for bankruptcy, it’s easy for revised items to slip through the cracks or be reported incorrectly. When this happens, the impact on your credit score can be more devastating and linger longer than it should.
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
When an account is unpaid for more than 180 days, a creditor usually writes off the debt as a loss on their financial statements. This is known as a charge off. Once a debt is charged off, it is either transferred to an in-house collections department or sold to a third-party collection agency who will likely contact you in attempt to recoup the balance.
It’s a common myth that negative items must remain on your credit report for a minimum number of years. In fact, there is no minimum timeframe. Creditors control the information they provide to the credit bureaus. They can also choose to remove negative items as well. The Fair Credit Reporting Act requires all reported information to be fair, accurate, and substantiated. If these conditions are not met, the credit bureaus are required to remove it.