Now is the Best Time to Hire a Credit Repair Service

Now is the best time to hire a credit repair company.  You may be tempted to postpone your efforts to restore your credit until after January 1, as you anticipate being busy during the holidays.  Don’t be fooled into waiting to contact and hire a reputable Credit Repair Service to do the work for you.  By hiring a reliable and reputable Credit Repair Service, you will avoid having to spend hours disputing items on your credit report.  Now is the perfect time to gain a strategic advantage over the credit bureaus.  Did you know that credit reporting agencies and the credit bureaus, by law, must respond to your disputed items within 30 calendar days?  If they don’t respond within 30 calendar days, all of the items they did not respond to must be removed from your credit report.  (Please see the law below.)  This could not be a better time to hire a Credit Repair Service to launch into your credit repair!

As we are headed into Thanksgiving, everyone is getting into the holiday spirit with the added responsibilities of planning trips, buying gifts, decorating the house, housing guests, not to mention hosting and attending numerous parties and events.  Our schedules get completely booked up in the month of December, and don’t let up until after the New Year.  More time is taken off of work at this time of year than any other time of the year.  Many families take the entire winter school break off from work for the purpose of spending time with their children, to go places that they could not go to while their children are in school,  or just t0 take the time off at home relaxing with their family.

It is a challenging time for Debt Collectors, Creditors and Courthouses to cover all of the responsibilities and roles within their organizations while employees are taking time off work for the holidays.  The three credit reporting agencies are no different.  The employees at Transunion, Experian, and Equifax will be attempting to keep up with the same workload, with the same deadlines, while understaffed as others are away on holiday vacations.  Are you getting where I am going?  Although the work staff will be diminished during the holidays, the credit bureaus and creditors still have only 30 days to respond to any disputed items on your credit reports.  The timing of starting your credit repair now will be to your strategic advantage while the agencies are not fully staffed and focused on holiday festivities.  Why don’t you give yourself the gift of credit restoration to start out 2014 with a higher credit score and more opportunities that good credit can bring to you? Start now, and you are more likely to get higher results due to the holidays.

 

Fair Reporting Act 611  Procedure in case of disputed accuracy [15 U.S.C.  1681.i]

[Required] Reinvestigations of Disputed Information

“…if the completeness of accuracy of any item of information contained in a consumer’s file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.”

(5) Treatment of Inaccurate or Unverifiable Information

“If after any reinvestigation… of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall-

(i) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and

(ii) promptly notify the furnisher of that information that the information has been modified of deleted from the file of the consumer.”

If you want to take advantage of this credit repair loophole, give us a call. We’ll review your report for free and let you know the best time to start the disputes. Visit the Cobalt Credit Services Credit Repair Website or call to speak to a live Credit Advisor. 1-800-216-2725.

Cobalt Credit Services is Located in Seattle, WA and does business nationwide. Open 9am-6pm PST

Real Credit Repair Results, Credit restoration

Real Credit Repair Results, Credit Repair, Credit Restoration

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