Lenders Choice Credit Solutions is the premier credit repair service in Dallas Texas! Discover how our proven program makes repairing your credit easy!
We review your credit file for every inaccurate, outdated, unverifiable, or incomplete account.
We challenge every violation we find on your credit file to have them corrected or removed.
We will Track your monthly progress and continue to the process until we reach your goals.
Once we audit your credit file and find violations, we write customized letters to the credit reporting agencies, creditors, and collection agencies on your behalf challenging the violations and demanding the accounts be corrected or removed.
When you fail to pay a bill on time, it will appear as a late payment on your credit reports. Creditors will send this notation to the bureaus after 30 days and it will worsen every 30 days after if it has not been paid.
This is when your account is written off as a loss by your creditor and handed to collection agencies. This typically will happen after the maximum late payments are recorded.
After your debit has been written off, it will typically land in third party debt collection agencies.
Although tax liens are no longer reported on your credit file by the credit reporting agencies, we can still assist you with steps you can take to improve your situation.
A bankruptcies is typically among the more damaging negative items on a credit report. A bankruptcy is typically among the more damaging negative items on a credit report damaging negative items on a credit report. They can typically stay on a report for up to 7-10 years depending on if you filed Chapter 7 or 13 bankruptcy.
After a borrower misses enough mortgage payments, the lender may take over the property in a foreclosure. Foreclosure is also among the more damaging negative items.
Similar to a foreclosure, a repossession is a loss of property on a secured loan. The lender takes back the collateral property and auctions it off to recuperate losses. This includes voluntary repossessions.
Although judgments are no longer reported on your credit file by the credit reporting agencies, we can still assist you with steps you can take to improve your situation..
Credit cards are the best way to build your credit and if you have less than perfect credit or no credit at all getting a secured credit card is your best option to improve your credit scores.
For the initial process of finding inaccuracies, violations, outdated, and unverifiable information on your credit report and writing customized letters to the credit reporting agencies, creditors, and collection agencies on your behalf. Once we complete the initial audit process, then your Initial audit fee becomes due.
LCCS charges per account deleted per credit bureau. Your total balance will depend on the number of deletions. Each month, we will go over the number of deletions and your current balance for those deletions. We allow you to pay a minimum payment of $100 monthly until that balance is paid off.
Credit monitoring is so important because to improve your credit you will need a way to track your credit scores, how the data is being reported each month, and when negative items are deleted. You will want to be able to know how your credit score is improving and how many negative items we are getting deleted as well. Without that, there is no way for you to know how we’re doing.
THE LENDERS CHOICE GUARANTEE MEANS THAT YOU HAVE PEACE OF MIND. When you are the best at what you do, you can offer the best guarantee to your clients. At Lenders Choice Credit Solution, we know credit inside and out. We can help you improve your credit score. Period. If we do not help you increase your credit score, we give your money back. It's that simple.
Credit repair is the process of removing any questionable negative items from your credit. This process could potentially improve your credit score. Credit repair is typically carried out by a credit repair company or organization for a fee. A reputable credit repair company will work to help you understand your credit report and dispute any inaccuracies with credit bureaus and other creditors on your behalf.
While you can repair your credit on your own, navigating the process could become tricky if you have multiple errors on your report. If this is the case, hiring a credit repair company can help.
Yes, credit repair is legal as long as it is done by a licensed and reputable credit repair company.
You can get a free copy of your credit report annually from each of the three major credit bureaus (Equifax, Experian, and TransUnion) by visiting annualcreditreport.com.
The main factors that affect your credit score include payment history, credit utilization, length of credit history, types of credit accounts, and recent credit inquiries.
A credit dispute is a process in which you request that a credit bureau investigate and correct any errors on your credit report.
To dispute an error on your credit report, you can contact the credit bureau directly and provide them with evidence to support your dispute.
To improve your payment history, you should always pay your bills on time and make sure that any late payments are accurately reflected on your credit report.
Your FICO scores are made up of 5 categories, here are some tips to improve each of them. Payment History Make sure to check if
Personal information Your full name, date of birth, social security number, current and previous addresses, and current and previous employers are reported. Current and previous
