Credit counseling services are for everyone Given the fact that your credit has an enormous effect on your life and your ability to take part in various activities, it's not surprising that many people - not just those who are in credit trouble -  find themselves in need of professional credit counseling services. Every American household has a significant amount of debt, and finding ways to reduce this debt is not only acceptable, it's plain common sense.

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Our Specialty

There are many approaches to restoring credit, and we specialize in disputing all amounts that appear on your credit report as part of the Fair Credit Reporting Act (FCRA). This is a perfectly legal and legitimate way to restore your credit. We dispute items that you specify and force the credit bureaus to investigate the items. Creditors have to maintain lengthy documents and perform time consuming activities that 70% of them simply don't perform. This can be due to ignorance of these procedures, or a lax attitude.

When such creditors do not follow the requisite procedures, we are able to get the disputed items off the record efficiently and quickly.

The benefits of Credit counseling Services

If you think that paying off your debts after a lot of effort is going to restore your credit, think again. Credit reporting agencies are extremely tough on those who run afoul of payment procedures. Presumably, this is to discourage anyone from spoiling their credit and scare them. The agencies maintain your negative parameters on their records for 7 years! Why this is so, is known only to the lawmakers. Perhaps they feel that a person who doesn't pay a bill on time has a flawed character.

Whatever the reason, a much quicker way to deal with the situation is to dispute those charges that you feel are inaccurate. This perfectly legal option is the same as fighting in court and pleading not guilty. It's completely acceptable to do this.

Why you need Finiv Credit Counseling

If disputing credit records is like going to court, you need a competent attorney. Sure, you can fight it out by yourself just like you can defend yourself in court. Know however, that your opponents are extremely powerful and they will oppose your every move. They will put you off with all sorts of technicalities, or worse still - ignore you completely.

Having experience in this business, we know the correct way to deal with credit bureaus. The language with which a credit item is disputed must show them that we mean business. And we do. Credit law is extremely complex and learning it can be very time consuming. Take advantage of our experience in this and let us do your hard work for you.

We also know that entities like banks look kindly on those who are willing to undergo credit counseling as it signifies a willingness to get their life back on track. Contact us for a free consultation and get better credit in a completely legitimate and legal manner.