If you find information that is incorrect, you can file a dispute. Remember too, that items on your credit report that you don't recognize could also be potential signs of fraudulent activity — someone working to secure credit in your name for their own use. Make sure you're clear on items that could potentially be fraudulent, versus those that may simply be inaccurate.
Beyond that is creditor information, which makes up most of your reports. This includes different accounts you have—loans, credit cards, etc.—and their status (open/closed, in collection), balances, credit limits and payment details. It can also include dates of missed payments or late payments and when the accounts were sent to collections. It’s this information that’s used to determine your credit scores, which are broken down into five major areas:
Become familiar with the information contained in each of your credit reports. They'll all look very similar, even if you've ordered them from different bureaus. Each credit report contains your personal identifying information, detailed history for each of your accounts, any items that have been listed in public record like a bankruptcy, and the inquiries that have been made to your credit report.
You do not need to have hundreds of template letters that at some point will be repeated or sent twice. With Dispute Wizard, the system will generate the content of your letters selecting it randomly from the content's database for you, all automatically. You can always make further changes to the generated letters to even make them more unique if you want.
If you want to automate the process of selecting the type of program that is better suited for your Clients, SX3 offers a catalog of "Programs and Fees". Under this section, you can specify values like first month's fee, recurrent monthly fee, minimum program term (if any), cancellation fee (if any) and maximum number of accounts per program. This way you can create an array of programs that will automatically be available during the initial Client interview.

SX3 Credit Repair Network Infrastructure allows Administrators of small, medium or large Companies to not only oversee but to manage in detail what each user can "access or do" through the system. Administrators can grant/deny access to modules, functions and reports of the program. This also allows Administrators to create Credit Repair Branch Offices and Users Groups per branch, Branch Managers and Regular Users enabling "collaboration" and limiting (if required) the access to cases.
One of the most tedious and complicated tasks of starting a business is to “find and purchase” a relevant domain name (website address) that can provide both exposure and recognition. We have done all the hard work to compile a list of domain names (available here) that you can purchase from us. Simply select your domain name from the list and get 10% discount of the advertised price.
Understand your credit score. This number, ranging from 300 to 850, represents your creditworthiness. Software developed by FICO and used by the credit reporting agencies determines the score. The scores between agencies should be similar, but there may be differences. It's important to make sure that your information is correct for each reporting agency.[8]
You can find a state-by-state list of government-approved organizations at the U.S. Trustee Program, the organization within the U.S. Department of Justice that supervises bankruptcy cases and trustees. Also, before you file a Chapter 7 bankruptcy case, you must satisfy a "means test." This test requires you to confirm that your income does not exceed a certain amount. The amount varies by state and is publicized by the U.S. Trustee Program.
Set a budget and stick to it. A budget is simply a plan to direct parts of your income to specific expenses. Budgets can be simple or detailed. Determine how much you can comfortably set aside for savings and how much you can reasonably afford to pay of your debts. Try to lower your fixed expenses as much as possible so you can put more money towards fixing your credit.[3]

Whether you want to import data from your existing application or from Leads providers, SX3 Credit Repair offers unlimited capabilities to import data. You can create and save unlimited importing rules that allow you to import data records from Microsoft Excel, Word, Text (TXT) or CSV files. You can specify the order and content of the columns on each file, specify the field separator (Tabs, commas, other) and save the importing rule for future use, all with simple click on our server based application.
By co-signing, you agreed to be the backup payer on the account in case the primary folks defaulted (as it appears that they did). If the debt is past due by six years, check your state's Statute of Limitations for debt collection - many states only give creditors 3-4 years to collect on a debt, after which point they cannot bring you to court. A Partial payment will re-set this clock. You may also hit the 7 year limit for how long it can stay on your report (7 years from the date it was first past due with the cable company).

With SX3 Credit Repair, all you need to do is to receive your Client's docs and scan them directly into the database or import them directly into the software. You do not need to rename or move files from one folder to another. SX3 allows you to scan the documents with a simple click, recording the docs in the database and adding a header (which can also be customized) with the fields that you specify.
You’re entitled to a free credit report if a company takes “adverse action” against you, like denying your application for credit, insurance, or employment. You have to ask for your report within 60 days of receiving notice of the action. The notice includes the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.

After you’ve resolved the negative items on your credit report, work on getting positive information added. Just like late payments severely hurt your credit score, timely payments help your score. If you have some credit cards and loans being reported on time, good. Continue to keep those balances at a reasonable level and make your payments on time.
Credit.org partners with nonprofit credit counseling agencies to offer Debt Management Plans (DMPs). These plans consolidate a consumer’s unsecured credit and debt payments into one convenient monthly payment. Some of the advantages of having a Debt Management Plan include concessions from your creditors including a reduction in interest rates or elimination of late fees.
Call us today to schedule a personalized live online demo of the SX3 Credit Repair software. We do not do webinars with attendees from multiple Companies, we do our demos person-to-person in private sessions. Our knowledgeable software specialists will show you the many ways SX3 Credit Repair software can streamline the processing of your cases and the supervision of your employees.
Beyond that is creditor information, which makes up most of your reports. This includes different accounts you have—loans, credit cards, etc.—and their status (open/closed, in collection), balances, credit limits and payment details. It can also include dates of missed payments or late payments and when the accounts were sent to collections. It’s this information that’s used to determine your credit scores, which are broken down into five major areas:

We agree that it is very important for individuals to be knowledgeable of their credit standing. When you have a credit-monitoring tool like freecreditscore.com on your side, you get e-mail alerts whenever there’s a change in your credit score–and you can also see your credit score whenever you want. With the free credit report from the government, you only see your report once a year. If you monitor your credit score regularly, it’s easier to catch inaccuracies before it’s too late.
If you pay a charge-off in full, your credit report will be updated to show the account balance is $0 and the account is paid. The charge-off status will continue to be reported for seven years from the date of charge off. Another option is to settle charge-offs for less than the original balance if the creditor agrees to accept a settlement and cancel the rest of the debt.
The credit bureau usually has 30 days after receiving your dispute to investigate and verify information. Typically, the credit bureau will reach out to the company that provided the information and ask them to investigate. The credit bureau is required to send you the results of the investigation within five business days of the completion of the investigation.
They may be willing to waive some of the late penalties or spread the past due balance over few payments. Let them know you're anxious to avoid charge-off, but need some help. Your creditor may even be willing to re-age your account to show your payments as current rather than delinquent, but you'll have to actually talk to your creditors to negotiate.
Opening several credit accounts in a short amount of time can appear risky to lenders and negatively impact your credit score. Before you take out a loan or open a new credit card account, consider the effects it could have on your credit scores. Know too, that when you're buying a car or looking around for the best mortgage rates, your inquiries may be grouped and counted as only one inquiry for the purpose of adding information to your credit report. In many commonly-used scoring models, recent inquiries have greater effect than older inquiries, and they only appear on your credit report or a maximum of 25 months.
Credit utilization is the amount of revolving debt you have relative to your credit limits. More specifically, it’s your available revolving credit, which is your available credit limit, compared to your total credit debt or the amount you’ve actually charged on your cards or credit lines. It’s also the second most critical factor in how your credit scores are calculated
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