Credit Repair Agent in Costa Mesa, CA
Does the thought of independent credit restoration give you sleepless nights? If so, then we are here for you. We understand how crucial credit repair is for individuals in Costa Mesa, and even though people can handle it independently, there might be a point in time when they need a professional and some expert advice. Our experienced credit professionals are there to support you, at each step of your credit repair journey.
There are numerous clients in Costa Mesa who are very happy with our comprehensive services. You can be the next one!
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Benefits of Fixing your Credit
Quick Mortgage Approval
Get new credit
Get more job opportunities with good credit
Credit Repair Process in Costa Mesa
Our credit restoration process entails the following:
- Our credit specialist look at the customer’s credit reports provided by all the credit reporting agencies (Transunion, Experian, Equifax)
- We study the credit reports in detail, identifying negative items such as late payments, charge-offs, foreclosures, bankruptcies, repossessions
- We try to focus on areas that have the potential to improve the credit score (removing inaccuracies in data, or removing data older than seven years)
- The next step is to discuss with the customers in detail the strategy to improve their credit reports and credit score
- We collect all the relevant documentation and dispute the negative items by corresponding with the credit reporting agencies
Throughout the credit repair process, we make sure that our customers are involved. We want them to stay updated about their credit improvements. Thus, we have a personalized dashboard for all customers in their profile, through which they can view the changes in their credit score and credit history on a real-time basis.
Apart from credit repair services, we also help establish new accounts and with credit building. Also, after we help customers to improve their credit scores, we aid them in monitoring their credit situation. We take special care that customers understand the basics of credit management so that they do not spiral back into the suboptimal credit position after some days.
Credit Repair Clients in Costa Mesa
Credit Repair in Costa Mesa, CA And Nearby Areas
007 Credit Agent in Costa Mesa serves clients in and around the region.
The city of Costa Mesa in California was a semi-rural farming community back in the 1950s. It has evolved from there and is currently home to numerous retail services. The South Coast Plaza is the largest hub for commercial activity with a renowned shopping centre. The city also houses many electronics, pharmaceuticals, and plastic firms.
Frequently Asked Questions
Rebuilding credit will not be the same for everyone. Some are fortunate to see most of their negative accounts deleted or corrected in a month or two. However, this should not be the expectation as the credit repair process will be different for every case. The good news is that our credit repair specialist is very experienced and up to date with the most effective strategies on how to get your credit score higher sooner than later.
Some individuals have low credit scores because they have derogatory information such as late payments or collection accounts on their credit report. Others may have a lower credit score because they may have high utilization on their credit cards or may have little credit history. Contact our credit consultants for a free 15-minute consultation to go over your credit score.
You are entitled to a free copy of your credit reports every year from the major credit reporting bureaus. During the credit repair process, it is vital that we have access to your credit reports monthly as this allows our team to work on your case more efficiently. 007 Credit Agent has partnered with identityiq.com and provide a discount for their credit reporting monitoring services. You can take advantage of this discount by registering here, discounted credit reports.
Credit card balances affects 30% of your credit score. This is also known as credit utilization. The higher your credit balance is, the lower it will bring down your score. Paying off your credit cards can increase credit scores over 100 points after the balance updates on your credit reports.
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Credit Score Improved Or Your Money Back
Our guarantee is an industry leading 90-day money back guarantee. If we do not remove or update to a positive standing any negative account within 90 days, we will provide a full refund.