CREDIT REPAIR SERVICE
Heaven Solutions is here to help you meet your credit score goals. Our credit repair services can help you work to remove the inaccurate or unfair negative items listed on your credit report.
HOW WE FIX YOUR CREDIT
CREDIT REPORT ANALYSIS
We obtain your credit reports and create a plan targeting the questionable negative items affecting your credit score.
Our team will send the appropriate correspondence to dispute and challenge the inaccurate negative items on your behalf.
For negative items requiring additional correspondence, we keep the process going and ensure your credit rights are fairly represented.
CREDIT SCORE ANALYSIS AND MENTORING
Through the online portal and app, we offer 24/7 access to your credit score analyses' and credit counseling solutions to help you reach your credit goals.
YOUR CREDIT RIGHTS
The Fair Credit Reporting Act (FCRA) plays a major role in the credit repair process as it's laws protect consumers by governing credit bureaus and the furnishers of credit information like creditors and financial institutions. Some of the key laws and rights granted in the FCRA include:
Credit bureaus are required to provide one free credit report every 12 months.
Credit bureaus are required to verify the accuracy of information listed on the report.
Creditors and financial institutions are required to only report complete and accurate consumer information.
Consumers can challenge incorrect and incomplete items listed on a credit report.
Consumers can seek damages from credit bureaus and furnishers violating the FCRA.
Consumers can limit who can access your credit reports.
Consumers can request if your credit report is being used against you financially.
The team at Heaven Solutions will help you understand your credit profile and rights as a consumer during our free credit consultation.
DO IT YOURSELF CREDIT REPAIR
If the number of errors on your credit report are below average, fixing credit yourself could end up being a less expensive alternative. To get started, our book Credit Is Power will cover how to request a free credit report and review it for error. For information on removing negative items, our guide to credit disputes will get you started with the basic process of disputing through removal letters. For direct information on removing negative items, our credit dispute letter templates will help in removing some of the common errors found on a credit report.
MAINTAINING GOOD CREDIT
If your credit report is already free of errors and negative items, credit repair will not help you raise your credit score. After your report is clean, raising your score comes down to practicing good credit habits and being mindful of how a credit score is calculated. For more detailed insight on improving your credit, here are the five main factors that affect your score:
Payment History & Late Payments: 35%
Credit Utilization: 30%
Number of Credit Inquiries: 15%
Length of Credit History: 10%
Credit Diversity & Types of Credit: 10%