How Credit Repair Works

The three major credit reporting agencies are Equifax, Experian and Transunion. These are multi-million dollar corporations that operate for profit. They are not affiliated with the government in any way. They make their money by selling your personal information to creditors for credit and insurance offers. They also sell your information to employers and landlords but worst of all, they sell your private personal information to telemarketers and mailing list companies without your permission. The point we are trying to make is that these big corporations do not have your best interest in mind. They will admit that errors exist on credit bureaus, but they go on to state that it is not their job to ensure the information is accurate. It is up to you, the consumer, to prove that your report is inaccurate.


The Federal Trade Commission and Consumer Credit Protection Act have enacted hundreds of regulations that credit reporting companies, collection agencies and credit bureaus must comply with in order for any reported item to remain on your report. When Credit Repair Zoom receives your file, a skilled credit analyst reviews your reports to determine which items can be challenged and the best way to dispute them to help improve your credit profile. The process is ongoing with each of the three major credit reporting agencies.
Within 30 to 36 days after disputing your credit file, the credit bureaus respond with a summary that shows the results of each challenge made. Our overall average success rate in removing unverifiable derogatory items is 85% to 95%, in most cases. Best of all, the items that tend to be removed first are those that are the most harmful to your report, such as bankruptcies, tax liens, judgments, charge-offs and repossessions. While the full process takes an average of three to six disputes in most cases, many clients see enough improvement in their score to allow them to qualify for a mortgage or low interest car loan in as little as 45 to 90 days (results may vary).


The credit bureaus will mail your credit reports to your mailing address, and you must forward them to us immediately. The only way that we will be able to dispute the negative information on the credit reports, is if you send them to us. We ask that you keep the credit reports for your records.


The credit repair service we provide utilizes a state-of-the-art computer technology so that we may keep up with your progress better than any other credit repair service. We developed a tracking system for our company that will not allow anything to “slip through the cracks.” You can rely on our extensive knowledge of the Fair Credit Reporting Act and the Fair Debt Collections Practice Act, along with our many years of experience and time proven disputing. Our service can remove inaccurate negative, unverifiable and incomplete, out of date & obsolete information from your credit reports with all three major credit reporting agencies. This includes removing.

We realize how that sounds, but it’s true! We have had great success helping people with every kind of credit problem. After utilizing our service, many clients have been able to buy a new home, a new car, or just meet the credit needs of their family.
Our Credit Repair Service has helped thousands of people restore their credit and raise their credit Score. There are companies out there that guarantee results, but they do not care about you or your credit situation. We are here to help rather you use our Document Services, Credit Sweep Services, or Credit Repair Services.