Questions about Waterfield Credit's service
How do you restore my bad credit?
Is credit repair legal?What if deleted items appear again?
Do I need to see my credit reports first?How do I know the service is working?
Does paying old bills restore my credit?
How do you restore my bad credit?Waterfield Credit offers two levels of services. Our regular service focuses on targeted disputes based upon the Fair Credit Reporting Act in order to delete inaccurate, misleading, and unverifiable information from your credit reports. Our Talon upgrade incorporates additional strategies pursuant to other consumer protection statutes directly with your creditor.
With both service levels, you indicate to us, which items you wish to dispute. Once we've received your credit reports, we will prepare the appropriate intervention letters and measures to take. Such letters are designed to communicate your dispute in such a way that the credit bureaus will accept the dispute and conduct an investigation. The Talon upgrade service adds additional legal interventions.
While this may sound easy, any person who has attempted to dispute his or her own credit may tell you other wise. According to federal law, the credit bureaus can ignore your dispute under a variety of conditions unless the proper action is taken. that's where our experience and knowledge can help.
At the conclusion of the credit reporting agency's investigation, a new copy of the credit report is sent to your home along with any deletions or improvements. You then copy and send us the new credit report and the cycle repeats itself at timed intervals.
A disputed credit listing must be accurate and verifiable for it to remain on the credit report. If the credit listing is only somewhat inaccurate, the credit bureau may simply change the item to reflect the accurate status. Very often, disputed credit items cannot be verified; the creditor either no longer possesses the information or does not wish to go to the trouble of verifying it. Also, the re-investigation must be completed within 30 days or the listing must be removed. For these reasons, properly disputed credit listings are removed with remarkable frequency.