We specialize in using The Fair Credit Reporting Act, to have negative information permanently removed from our customer’s credit file. The FCRA was written to be a very aggressive and consumer friendly law. The government intended for the consumers to use this law to level the playing field between the consumer and the currently “broken” credit reporting system. 80% of Americans have something reported incorrectly on their bureaus. There are 2 primary causes of these discrepancies. 1) The creditors do not verify information prior to reporting it on our credit reports. 2) The credit bureaus (companies responsible for “policing” these creditors) do not place proper emphasis on this task. The credit bureaus, Experian, Transunion and Equifax, are independent profit driven companies. While they are responsible for the information contained in the consumer’s bureaus, they don’t make money by verifying the information’s quality. So they prioritize this task after the endeavors that make their company money. EX: collecting consumer information to be sold to creditors.
The FCRA is a piece of legislation, put into place to protect the consumer from having Incorrect, Obsolete or Unverifiable information reported on their credit bureaus. The first 2 points of this law are self explanatory; however the definition of “Unverifiable” is what allows us to remove 90-100% of all of your derogatory information.
The law places the Burdon of Proof onto the creditors. So, it is the creditor’s job to prove you didn’t pay, not your job to prove that you did. The law is very specific in its list of required documentation and logs that the creditors are responsible for keeping on hand, to satisfy this Burdon of proof. Between the FCRA and 2 supporting pieces of legislation, there are 320 required, documented, steps. Because this is a cumbersome and expensive process for the creditors, AND because they are so infrequently call to produce these documents (due to the general public not knowing that this law is available for their protection), when asked by CCA Credit Group to show that they (creditors) have complied with the FCRA... 90-100% of the time they cannot. When this happens, the tradeline in question has to be permanently removed from the consumer’s bureau. CCA Credit Group, works on behalf of our customers, to find where the creditors have “dropped the ball”.
Through this process we remove Bankruptcies, Foreclosures, tax liens, civil liens, judgments, repos, charge offs, medical bills, student loans, late and slow pays, inquiries and old and incorrect personal information.
Our Average customer sees a 120 to 200 point increase, and it typically takes 3 to 6 months to get someone completely clean. However, you will start seeing results after the first 45 days. We are licensed and bonded and work in all 50 states. We offer a 1 year contract with a money back guarantee. We have never had any bad complaints with the BBB or the Attorney Generals Office.
What does the service cost?
Our credit repair service is offered with a money back guarantee, so you have nothing to lose and everything to be gained.
Do you have any questions?
Do I have to pay off my delinquent debt? We will never require you to pay off creditors. That is not the basis of credit restoration. Once you pay for credit restoration you will not be asked for additional funds. I can tell you that credit repair is not an absolution of debt. However, once a debt has been removed from your bureaus the creditors are not allowed to call and harass you for payment. Their only recourse is to sue you.
So, you guarantee a 120 to 200 point increase? We guarantee that our service will improve your credit. We cannot guarantee a point increase, because we cannot control the actions of our customers. Some individuals replace the deleted tradelines with new derogatory trades as they go through the process. So you see where the legal difficulty lies. If you will do what we tell you to do, your credit will see the dramatic improvements.
How does this process unfold? Once I receive your contract, I order your bureaus from the 3 national credit reporting agencies. Due to privacy laws, these bureaus can only be sent to you. You should be looking for them in the mail within 10 business days of signing up for the service. (Sometimes they appear to be junk mail so be sure you open everything!) You can look over the bureaus, and take note of your “baseline” or “starting point”. Then you forward those bureaus by fax, mail or email to my office. My staff of disputers will begin the disputing/verification process within 48 hours. You will then receive a 2nd set of bureaus in the mail 35 days later. This is called your 45 day “progress report”. You look over the bureaus, note the changes and forward the new bureaus to the office again. We will repeat this process until you are clean. You have us in contract for an entire year.
Are you ready to get started?
We start your credit repair when we get your contract and your down payment. To get started I need the credit repair contract A copy of a DL, SS card and 2 bills. This can be a mortgage statement, utility bill, cell phone bill, insurance bill etc. Please do not send a credit card statement or ANYTHING that shows a past due balance. Please fax back to
The FCRA is a piece of legislation, put into place to protect the consumer from having Incorrect, Obsolete or Unverifiable information reported on their credit bureaus. The first 2 points of this law are self explanatory; however the definition of “Unverifiable” is what allows us to remove 90-100% of all of your derogatory information.
The law places the Burdon of Proof onto the creditors. So, it is the creditor’s job to prove you didn’t pay, not your job to prove that you did. The law is very specific in its list of required documentation and logs that the creditors are responsible for keeping on hand, to satisfy this Burdon of proof. Between the FCRA and 2 supporting pieces of legislation, there are 320 required, documented, steps. Because this is a cumbersome and expensive process for the creditors, AND because they are so infrequently call to produce these documents (due to the general public not knowing that this law is available for their protection), when asked by CCA Credit Group to show that they (creditors) have complied with the FCRA... 90-100% of the time they cannot. When this happens, the tradeline in question has to be permanently removed from the consumer’s bureau. CCA Credit Group, works on behalf of our customers, to find where the creditors have “dropped the ball”.
Through this process we remove Bankruptcies, Foreclosures, tax liens, civil liens, judgments, repos, charge offs, medical bills, student loans, late and slow pays, inquiries and old and incorrect personal information.
Our Average customer sees a 120 to 200 point increase, and it typically takes 3 to 6 months to get someone completely clean. However, you will start seeing results after the first 45 days. We are licensed and bonded and work in all 50 states. We offer a 1 year contract with a money back guarantee. We have never had any bad complaints with the BBB or the Attorney Generals Office.
What does the service cost?
Our credit repair service is offered with a money back guarantee, so you have nothing to lose and everything to be gained.
Do you have any questions?
Do I have to pay off my delinquent debt? We will never require you to pay off creditors. That is not the basis of credit restoration. Once you pay for credit restoration you will not be asked for additional funds. I can tell you that credit repair is not an absolution of debt. However, once a debt has been removed from your bureaus the creditors are not allowed to call and harass you for payment. Their only recourse is to sue you.
So, you guarantee a 120 to 200 point increase? We guarantee that our service will improve your credit. We cannot guarantee a point increase, because we cannot control the actions of our customers. Some individuals replace the deleted tradelines with new derogatory trades as they go through the process. So you see where the legal difficulty lies. If you will do what we tell you to do, your credit will see the dramatic improvements.
How does this process unfold? Once I receive your contract, I order your bureaus from the 3 national credit reporting agencies. Due to privacy laws, these bureaus can only be sent to you. You should be looking for them in the mail within 10 business days of signing up for the service. (Sometimes they appear to be junk mail so be sure you open everything!) You can look over the bureaus, and take note of your “baseline” or “starting point”. Then you forward those bureaus by fax, mail or email to my office. My staff of disputers will begin the disputing/verification process within 48 hours. You will then receive a 2nd set of bureaus in the mail 35 days later. This is called your 45 day “progress report”. You look over the bureaus, note the changes and forward the new bureaus to the office again. We will repeat this process until you are clean. You have us in contract for an entire year.
Are you ready to get started?
We start your credit repair when we get your contract and your down payment. To get started I need the credit repair contract A copy of a DL, SS card and 2 bills. This can be a mortgage statement, utility bill, cell phone bill, insurance bill etc. Please do not send a credit card statement or ANYTHING that shows a past due balance. Please fax back to
