While numerous credit repair companies offer multiple levels of service, at Capstone Credit Repair LLC, we offer only one course of action; seek removal of every unjustified and unwarranted item that is prudent and legally possible.
This is accomplished by utilizing federal credit repair laws created on the behalf of consumers. These laws are overseen by the Federal Trade Commission and encompass the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Fair and Accurate Credit Transaction Act, as well as the Fair Credit Billing Act. This also includes the use of HIPAA rules and regulations.
Items we have successfully addressed include Judgments, Late Payments, Foreclosures, Repossessions, Charge-Offs, Identity Theft/Fraud, Bankruptcies, Tax Liens, and much more...
EFFECT ON A 680 SCORE
EFFECT ON A 780 SCORE
30-day Late Payment
-10 to -30
-60 to -80
-45 to -65
-85 to -105
-130 to -150
-25 to -45
-90 to -110
-105 to -125
-140 to -160
-220 to -240
In addition, many states have their own credit laws to protect consumers; these laws may supersede federal laws opting for their utilization during the repair process. Currently there are at least 21 states that afford debt collection laws to consumers.
Capstone Credit Repair LLC, adheres to rules and regulations set forth by “CROA” and state law. Accordingly, you should familiarize yourself with all of these laws and use them to your advantage. As a consumer, you have the right to contact your creditors and pursue any dispute on your own behalf.
As with any credit repair, the primary focus is to increase your individual “FICO” score. This algorithmic number has far reaching consequences upon your daily life. Any restoration plan should be centered on this aspect and catered to achieve the maximum number possible.
FICO score increases of 200 points are not uncommon with low initial scores and advisable actions by an individual..
760 - 850
700 - 759
660 - 669
620 - 659
580 - 619
500 - 579
Most credit issues occur over time and will require time to correct. The length of time is contingent on the overall credit history of an individual. Typically, restoration will require at least six months, with possible results in as little as 30 days. Our fee is based on the cumulative total of derogatory items on an individual’s credit profile between the three major credit repositories. We actively dispute these items with the repositories, creditors, collection companies, or any entity that disseminates your credit information. This could include litigation where warranted.
Capstone Credit Repair LLC, is not a law firm, nor do we practice law. All matters requiring litigation are referred to outside counsel who have an on-going relationship with our company. This provides our clients a very cost effective litigious avenue.
Our fee structure is one of the most competitive and allows payment based on work performed. So take the first step, and contact our office to see how we can improve your credit.