Each of our programs costs are explained in detail on the Credit Repair Packages page

You will be given an on-line account page where you can watch progress. There is a Time Line and Progress Report as well as Credit Analysis component.

No. That 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.

A bankruptcy attorney can help you navigate the bankruptcy process, understand your options, and make informed decisions about your financial future.

We ask that all of our clients to Not Apply For any Credit While in the Credit Repair Program as this will delay results of items being removed. Patience is the Key to Excellent Credit.

It is your 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.

YES. It is your responsibility to protect your credit while we are working on your history. If you add new damage to your credit report, you will be working against us.

It is possible for a negative listing that had been deleted to be verified by a creditor after the deletion is complete. When this happens the Fair Credit Reporting Act states that the credit bureaus need to inform you before re-reporting an items that had been deleted. It is a rare occurrence to have an item removed and replaced, but it is possible. If the item returns we will removed it a no cost to you.

Paying your bills every month will build your credit history. If they are revolving or installment accounts, paying your bills every month will build your credit history.

A charge-off can remain on your credit report for up to seven years from the date of the first late payment that led to default.

Depending upon the type of bankruptcy, it might stay on your credit report for up to a decade. The Fair Credit Reporting Act (FCRA) outlines the credit reporting limitations for bankruptcies.

Once you have a judgment against you, the plaintiff may be able to collect the money in several ways including wage attachments or garnishments. Learn everything you need to know about how judgments affect credit by speaking with Ivy.

Ivy can help you understand what should and shouldn’t be on your credit report and share tactics that may help you get incorrectly reported late payments removed . Removing late Payments is her Specialty. Most Late Payments are removed within 30 days from signing up.

There are two potential ways to remove a repossession. You can dispute a repossession or you can try to negotiate with the creditor to remove it early. Our Process is to remove repossessions from your credit report .

There are five circumstances under which you might be able to remove a foreclosure from your report earlier than expected. Learn more about how to remove foreclosures from your credit report.

Ivy will analyze your credit reports and discuss your credit history with you to determine which credit inquiries we may be able to help you remove . In most Cases Inquiries will be removed within 24 Hours.

We ask that our Clients allow Us to do all the negotiating with Bill Collectors. We have a combined knowledge of 25+ Years in the credit repair industry. Let Ivy and her team do all the heavy lifting as you sit back and relax.

Ivy 4 Credit Repair is a California-based company that’s been in business for over 15 years Servicing the Entire USA.