Frequently Asked Question
Part of our mission at 0down Credit Repair is to educate as many people as we can about credit. When it comes to credit, what you don’t know CAN hurt you, so learn as much as you can. If your questions are not answered on this page, call one of our specialists. They will be happy to handle any questions you might have.
Laws like the FCRA and the FDCPA give you the right and responsibility to assure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.
You will be given an on-line account page where you can watch progress. This is where the majority of communication will take place. There is a Time Line and Progress Report as well as Credit Analysis component.
Sure! You can also give yourself a root canal as well, but sometimes there are things that are best left to the professionals. That said, it is your right and responsibility to monitor and protect your own credit. The government has a set of laws to help you called the Fair Credit Reporting Act, as well as the Fair Debt Collection Practices, act that you can reference for information about challenging information on your credit reports. Modern Finance Solutions is here if you need help from professionals who work with the bureaus and these laws every day
You will be given an on-line account page where you can watch progress. This is where the majority of communication will take place. There is a Time Line and Progress Report as well as Credit Analysis component.
Your audit is a comprehensive analysis of your credit profile, broken down into comprehensible, actionable segments. After reading your audit, you will understand all aspects of your credit profile, and you will also know how we’re going to work together to increase your credit score. Your audit will include a complete description of each item on your credit report, both positive and negative, along with action steps that you should take to improve your credit profile and credit scores.
No. Hoping for someone else to make a mistake is not an effective strategy. The credit bureaus and creditors receive millions of disputes monthly. They are prepared to handle a heavy flow of challenges, so when we attack an item from your credit, we expect a response. All of our challenges are custom arguments. Our effectiveness is one reason why we’re ranked as the top credit repair agency by several financial-related websites, blogs and authorities.
0Down Credit Repair clients attack their credit damage by challenging inaccurate, untimely, misleading, biased, incomplete, or unverifiable negative items from their credit reports. We also challenge the reportability of the account by contesting that the requisite standards of METRO2 compliance are not being adhered to. This strategy is effective not only on accounts with inaccurate information, but also accounts where the information is factual, but the METRO2 compliance is deficient. That’s why 0Down Credit Repair is ranked as the best credit repair company according to multiple customer rankings and financial publications.
Your personal information will not be shared with anybody. The only time information is shared would be with an affiliate partner who is a part of the dispute process
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