Credit restoration is also known as credit repair. It involves all the processes of disputing of the information in your credit report and ensuring that every detail in the account is accurate. Credit Reporting Agencies and Creditors are responsible for the handling of your account and are to submit annual reports to you. However, errors can arise, and negative items can appear in your credit reports. These errors can lower your credit rating and severely affect your finances unless duly taken care of. And by law, you have the right to dispute any information in your credit report with your Credit Reporting Agency and Creditor. Acts that provide for it include the Fair Credit Reporting Act (FCRA), and other fair credit acts designed to protect customers’ interest such as FACTA, FDCPA, and FCBA.
Credit repair is something that a customer can do themselves. It is not a precisely complex process, but it is a tedious and tiring process. Besides, one has to have a good understanding of relevant laws and be able to read credit reports (no, not everyone can). For these reasons, it is better to have your Credit Reporting Agency handle things for you. The whole process of credit restoration takes about five weeks. Upon reporting your dispute, the CRA has 30 days to investigate your claims and find out what is wrong with the account.
After the period of investigation, they have a further five days to submit a report to you and balance accounts.
Note that credit repair is more than just updating your credit account information or seeking counseling. It is a whole different ball game. Therefore, it is essential to work with a reliable and efficient Credit Reporting Agency. One of such that is also one of the very best in the country is the UCES – United Credit Education Services. The UCES provide a wide range of credit services including debt settlement, credit counseling and credit restoration among others.
They have a track record of delivering excellent credit restoration services as and when due. Many customers have reported better credit scores after the UCES has helped repair their credit information. If you would love to be a partaker of these, you should register now and watch your credit standing gain its much-needed boost.
Also, UCES has another advantage that makes it stand out from others. It is its affiliate marketing programme that works with referrals. It means, even as a customer, you can also become a UCES agent, helping to promote their product to potential customers and getting a commission on each person you bring on board. Interesting? Yes, it is. As soon as you enroll, you get an affiliate link by which people you have reached can register for UCES services, and you get your money. To enjoy all these, you need to do just what? Register now.
Finally, remember that CRAs are prone to errors, but when you find any, it becomes their responsibility to handle the restoration on your behalf. UCES is there for you, and you can even make some money just by being a customer through affiliate marketing.