Get All Your Credit Questions Answered

Please visit our Pricing page for details about our plans and pricing. Needless to say, we do not believe that credit repair should be cost prohibitive.

You will be given an online account page where you can watch progress. This is where the majority of communication will take place, including a Time Line and Progress Report as well as a Credit Analysis component.

Sure. You can also give yourself a root canal, but sometimes there are things that are best left to the professionals. That said, it is your right and responsibility to monitor and protect your own credit. The government has laws to help you: the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, both of which you can reference for challenging information on your credit reports. RBV Financial is here if you need help from professionals who work with the bureaus and these laws every day.

Sure, your credit is your own. You just need to be aware that applying for new credit adds new inquiries to your report, which impacts your score. One of our services is helping clients know which lines of credit to open for the most impact, without worrying about getting denied.

Yes. It's your responsibility to protect your credit while we work on your history. If you add new damage to your credit report, you're working against us.

No. Hoping for someone else's mistake isn't an effective strategy. Credit bureaus and creditors receive millions of disputes monthly and are prepared to handle a heavy flow of challenges. When we attack an item on your credit, we expect a response, and every challenge is a custom argument. This is one reason we're ranked as a top credit repair agency by several financial websites, blogs, and authorities.

No. Disputing is outdated compared to modern credit enhancement techniques. Most credit repair companies still send cookie-cutter template disputes, which aren't very effective. We challenge the report-ability of the account by contesting whether it meets METRO2 compliance standards. This works not only on accounts with inaccurate information, but also on accounts where the information is factual but the METRO2 compliance is deficient.

We help clients attack credit damage by challenging inaccurate, untimely, misleading, biased, incomplete, or unverifiable negative items on their credit reports. We also challenge the reportability of accounts by contesting METRO2 compliance. This strategy works on both inaccurate accounts and factually accurate accounts with deficient compliance, which is why we're ranked as a top credit repair company by multiple customer rankings and financial publications.

Laws like the FCRA and FDCPA give you the right and responsibility to ensure accuracy on your credit reports. If information doesn't accurately represent your behavior as a consumer, you have the right to request it be removed. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA), and Fair Debt Collections Practices Act (FDCPA) all give you the legal right to dispute inaccurate items with the bureaus and your individual creditors.

Yes, in rare cases. A negative listing that was deleted can later be re-verified by a creditor. When this happens, the FCRA requires the credit bureaus to inform you before re-reporting a previously deleted item. It's a rare occurrence, but possible.

If they're revolving or installment accounts, paying on time every month will build your credit history. We'll also suggest resources to help build credit further.

A charge-off can remain on your report for up to seven years from the date of the first late payment that led to default.

Depending on the type, it can stay on your report for up to a decade. The FCRA outlines the credit reporting limitations for bankruptcies.

Once a judgment exists against you, the plaintiff may collect through several means, including wage attachments or garnishments.

We help you understand what should and shouldn't be on your report and share tactics that may help get incorrectly reported late payments removed.

There are two potential paths: disputing the repossession, or negotiating with the creditor to remove it early.

There are five circumstances under which a foreclosure might be removed earlier than expected.

An RBV Financial specialist can analyze your reports and discuss your credit history to determine which inquiries we may be able to help remove.

You can ask a debt collector or creditor to remove a collection. This is known as a goodwill request or pay-for-deletion. Get any promise in writing, as there's no law requiring removal from the report once a debt is paid.

Credit reports can be confusing for the average person. RBV Financial has prepared a Guide to Reading Your Credit Report.