The three major credit reporting agencies are Equifax (CSC Credit Services), 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 within 30 days in order for any reported item to remain on your report. When we receive 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. We will then challenge derogatory items with a letter demanding the reporting company prove that they are in compliance with the laws and regulations and demand that the challenged items be removed.

The process is repeated with each of the three major credit reporting agencies.

Within 30 days, the credit bureaus must 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%. 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 four to six months 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.

The credit bureaus will mail your credit reports to your mailing address, and you must forward them to us. The only way that we will be able to dispute the credit reports is if you send them to us. We ask that you follow the instructions that you will receive from us and mail, email or fax all correspondence from the credit reporting agencies to our office as soon as you have received them.

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 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 letter writing, forms and Lawful Notices. Our service can remove inaccurate negative, unverifiable and incomplete information from your credit reports with all three major credit reporting agencies.

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, adopt a baby or just meet the credit needs of their family.

1. How often should I expect to get mail from the credit bureaus?
Every 35 to 45 days you should expect to get an updated credit report.

2. What should I do with the mailed credit reports that I get from the credit bureaus?
Make copies and send it to us via fax, 903-786-7108, or mail to 680 HWY 120 E, Suite 100, Pottsboro, TX 75076. You can also email credit reports to customerservice@trwcredit.net.

3. What can you take off of my credit bureau report?
We can take off unpaid collections, charge-offs, repossessions, bankruptcies, medical bills, foreclosures, tax liens, civil liens, judgments, student loans, credit card debt, inquiries, slow pays, old addresses and all incorrect names.

4. Will the accounts you take off my credit bureau report ever come back?
On average only 1 out of 10,000 will re-appear back on your credit when we remove the account. After the account has been deleted two times, by law it can not be put back on your credit report.

5. Who are the three Credit Bureaus?
Experian, Transunion, Equifax /CSC Credit Services.

6. How long does information remain on my report?
Credit bureaus report credit information for a period of seven (7) years. Some states have special provisions for collections and paid liens. Chapter 7, Chapter 11 and Chapter 13 Bankruptcies are each reported for 10 years and the date is measured from the date of the filing.

7. Why do Credit Bureaus not want me to use a Credit Repair Company?
The credit bureaus will tell you that it is easier and less expensive to do it yourself. While it may be true that you have the right to repair your credit yourself, many individuals do not have the time, experience and organizational savvy necessary to deal with bureaucracies. You must also spend hours of study to gain a working knowledge of the consumer laws available to you. Many who start repairing their credit turn to a credit repair company after months of work.

8. How long would it take to repair my credit?
There is no definite answer, only definite advantages as the time varies depending on the initial credit status of each customer. On average it takes between 90 to 180 days for TRW Credit Group to repair your credit.

9. Does paying off my bills repair my credit?
The credit reporting system doesn't work that way. When you pay an old debt, the negative credit listing doesn't disappear. In fact, it re-ages and the seven year clock begins again with that negative listing. The most ironic thing is that a paid, current negative listing is not any better than an unpaid negative listing.

10. How does a Credit Bureau make money?
A credit bureau is a commercial business. It makes money by selling your credit report to others. A person with bad credit means more business for them as such a person applies for credit about ten (10) times more than a person with good credit.

11. Who can see my credit report?
Anyone who wants information for a business transaction between you and them may obtain your credit report. This may include an insurance company, a prospective landlord, a prospective employer, a collector or a government official.

12. Why should I use a Credit Repair Company?
The most common reasons are that individuals either have already tried themselves with limited results, or they just don't have the time to undertake this task. If you decide to use us, you can be assured that you will be receiving the best assistance and service possible.

13. How does TRW Credit Group do this legally?
Disputing your credit report is your right. Credit restoration is as legal as pleading "not guilty" in a court of law.

14. Do you guarantee your service?
If we do not improve your credit profile, we will refund your money!

Credit Repair Team

We help you get control of your life by explaining your options,
offering affordable solutions and giving you the peace of mind you deserve.

Call today, get advice and get rid of the anxiety of not knowing your options!
Office: 512-341-2887 • Cell: 512-983-2305