About Credit Restoration Services

Any time you apply for credit - for a car loan, a home mortgage or a credit card, for example - the potential lender needs to decide whether to lend you money.  The lender needs to assess how large a risk you present for not making your monthly payments on time .

Your personal credit score summarizes the risk you present to a lender, often expressed as a number between 300 and 900.  A higher number represents a better credit history and a lower risk.  This could mean your being offered a lower interest rate, and monthly payments, than another applicant with a lower credit score.

A credit restoration service can help improve your score. If your score is below 620 and you believe there may be inaccurate or incomplete reporting, or if some of the reporting is aged, a proactive credit restoration service may be able to boost the FICO scores, on all three credit bureaus, within a short period of time.  This will help you qualify for credit approval and better credit terms.

Proactive restoration service?

Yes, that means the restoration service firm reviews each trade line on your three credit reports and interviews you regarding each reference.  If a trade line is inaccurate, incomplete or several years old, a proactive restoration service will actually call the creditor, which often takes many attempts, and negotiates a more favorable reference when the creditor submits their next reporting.  When you compare the proactive approach to the more frequent "dispute letter" approach, you'll see the success rate is dramatically higher with the proactive.

A proactive restoration service will also alert you by email or telephone whenever there is a status update from any of your references.  That keeps you informed as to which of your references are being updated with more favorable reporting.

Atlantic will refer clients to proactive credit restoration services only .  We do not earn any referral fees.  Our "reward" for the referral is helping business owners, with improved FICO scores, qualify for credit approval and more competitive terms.   Please call us for a referral to a proactive credit restoration firm.

Trans Union LLC PO Box 1000 Chester, PA 19022 866-887-2673 www.transunion.com	Experian PO Box 2002 Allen, TX 75013 888-397-3742 www.experian.com/reportaccess	Equifax Information Service, LLC PO Box 740341 Atlanta, GA 30374 800-685-1111 www.equifax.com