CCCS stands for Consumer Credit Counseling Services. Consumer credit counseling service agencies are Internal Revenue Service 501(c)93) nonprofit organizations that will help you find a workable solution to financial problems. Each CCCS agency offers a common set of services, including financial education, budgeting assistance, and Debt Management Plans.
Getting negative and inaccurate information off of your credit reports is one of the fastest ways to improve your score. Since credit bureaus have to respond and resolve a dispute within 30 days—a few exceptions can extend this to 45 days—it’s a short timeline. The timeline is particulary important when consumers want to buy a house, get a new car or open up a new credit card and don’t have time to wait to build good credit organically.

Pay off those debts with the highest interest rate first with any extra cash, a strategy called avalanching. You'll pay the amounts needed to keep your current accounts current and use your excess cash flow to pay down past due accounts one by one in the order of the highest interest rate to the lowest. This will save money in the longest run and is the fastest way to reduce your debts.
The creditors don’t have the time or manpower to negotiate with every one of their customers individually. They work with credit counseling agencies like us to create a set of standard concessions that we may offer to clients when appropriate. The creditors also understand that we provide counseling and education, which makes our clients more likely to succeed in repaying their debts.

With the elimination of downloadable credit repair software, companies found themselves with an old program in a new age world. Most credit repair software programs were made to facilitate 32-bit computers, which have now become a thing of the past. Having updated computer systems are a must when it comes to operating a successfully growing credit repair businesses, and outdated software will only inhibit and restrain your advancement.
There are many reasons to start on the path to credit repair. The biggest reason is that credit affects you every day. It affects the interest rates you pay on credit cards and loans, including mortgages, and can result in higher security deposits for rentals. It can also affect what you pay for insurance rates and what credit limits you qualify for. Good credit can also mean financial freedom where you don’t have to depend on cosigners to help you make purchases and secure loans.
When the bureaus and data furnishers receive the dispute and supporting information, they then work with the credit repair company to determine if the item should be removed from your credit report. The major law governing your rights when it comes to credit reporting is the Fair Credit Reporting Act, but it isn’t the only law on your side when it comes to credit repair.
Pay down current and past-due debts first. Don’t fall into the trap of paying off old debts by postponing payments of current debt. The late payment accounts are already reflected on your credit report and score. Keeping credit accounts current helps your score by having good credit sources that are older, rather than new.[11] When paying off past debts, explain to your creditor that you are trying to become current and ask for help. Your creditor might:
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Credit.org evolved from a standalone credit counseling service agency under the NFCC to an independent, for-profit, national credit and debt resolution company. The organization is equipped with the tools to provide clients with the debt and credit repair services they need. Credit.org continues to maintain an A rating with the Better Business Bureau, a testament to their dedication to clients throughout the years.
When the bureaus and data furnishers receive the dispute and supporting information, they then work with the credit repair company to determine if the item should be removed from your credit report. The major law governing your rights when it comes to credit reporting is the Fair Credit Reporting Act, but it isn’t the only law on your side when it comes to credit repair.
Although a debt settlement company may be able to settle one or more of your debts, these programs can be very risky and have serious negative financial consequences for consumers. Additionally, some debt settlement companies deceive consumers by making promises they do not keep and engaging in other illegal conduct (like charging fees before obtaining any settlements, in violation of the TSR). For information, read Coping with Debt and Settling Credit Card Debts.
Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.

Our Editorial Policies: The information contained in Ask Experian is for educational purposes only and is not legal advice. Opinions expressed here are author's alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities. All information, including rates and fees, are accurate as of the date of publication and are updated as provided by our partners.


We offer several template websites (provided with your software) that allow you to get in business from day one. These websites are provided in English and as well as "proper" Spanish. Our team of software engineers include bilingual professionals who speak Spanish (as their native language) which translate every one of the paragraphs of our template websites using correct translations.

Some of your creditors and lenders might report only to one of the credit bureaus. And, since credit bureaus don’t typically share information, it’s possible to have different information on each of your reports. Ordering all three reports will give you a complete view of your credit history and let you repair your credit at all three bureaus instead of just one. 
When in the market for the best credit repair software system, credit repair businesses mostly commonly search “Credit Repair Software for Businesses” in the leading search engines. While researching, it is recommended that credit repair businesses looking to invest in credit repair software, review and outline the tools and management options they will need to help their business succeed, and match those to TurboDispute, the leading credit repair software for businesses.
Professional credit repair software performs as a management tool for professional credit repair advisors and credit managers in order to maintain client records, create dispute letters, and communicate with clients. Communicating straight to the client through the credit repair software, is why credit repair software has proven to be so efficient. Confidential client information is guaranteed safe and secure while using credit repair business software and that is why it is administered by the largest and most prestigious professional credit repair businesses in the world.
We are always here when you need us, and we offer different support channels, including real-time phone support for 5 days a week. Talk with a software specialist from 8:00AM-4: 00 PM Monday – Friday. You can also reach us through any of our other support channels. In free training that we always have with over 100 credit repair companies every two weeks, we discuss various topics that will help you run your business better. We also share best practices of those who are seeing success in the industry and rub shoulders with Million-dollar credit repair companies.
TurboDispute has opened a gateway in the credit repair business, allowing companies the opportunity to work from any part of the world without bulky networking fees. With a web-based online credit repair software program, there are no maintenance fees or hardware costs, so you can focus on running your credit repair business without the stress and worry of overage charges. Since all you need is internet access, credit repair businesses can now offer their employees at home positions and allow for a flexible work environment within the company. In addition to the affordability of online credit repair software, web-based programs like TurboDispute’s, offers free updates that occur instantly over the web without interruption to your credit repair business.
With Dispute Wizard from SX3 Credit Repair, you just need to select the dispute letter template that you want to use (you can have unlimited templates) and the system will randomly generate the content of the letter based on a database of multiple entries, making sure that no letter is the same or even "similar". This guarantees that your disputes will pass the first requirement of the Credit Bureaus and increase the chances of obtaining a result in the first round.
Be persistent. You won't see your credit score dramatically change overnight. Repairing your credit actually means repairing your credit history. The score then reflects this.[14] The best things you can do now, are pay your bills on time and pay down debt. Even then, it will probably take at least 30 days before these actions impact your credit.[15]

Be persistent. You won't see your credit score dramatically change overnight. Repairing your credit actually means repairing your credit history. The score then reflects this.[14] The best things you can do now, are pay your bills on time and pay down debt. Even then, it will probably take at least 30 days before these actions impact your credit.[15]

Also, when we purchased this vehicle, we were going through a Chapter 13 bankruptcy, purchased after we filed, and when we told them we were going through a bankruptcy, they stopped sending us statements, they stopped calling, we heard nothing from them. When we came out of the bankruptcy, they informed us we needed to pay the equivalent of 5 payments, or they would repossess the vehicle.

When you apply for credit, it results in a hard credit inquiry on your credit report. And any hard inquiry into your credit slightly dings your scores. As hard inquires fade into the past, they have less impact. A year is generally when a hard inquiry begins to stop hurting your credit scores. Bottom line: Apply for new credit only when needed. Don’t be lulled by the offer of a discount to open a new charge card at virtually every store you shop at.
If you’re thinking about filing for bankruptcy, be aware that bankruptcy laws require that you get credit counseling from a government-approved organization within six months before you file for bankruptcy relief. You can find a state-by-state list of government-approved organizations at www.usdoj.gov/ust, the website of the U.S. Trustee Program. That’s the organization within the U.S. Department of Justice that supervises bankruptcy cases and trustees. Be wary of credit counseling organizations that say they are government-approved, but don’t appear on the list of approved organizations.
TurboDispute has opened a gateway in the credit repair business, allowing companies the opportunity to work from any part of the world without bulky networking fees. With a web-based online credit repair software program, there are no maintenance fees or hardware costs, so you can focus on running your credit repair business without the stress and worry of overage charges. Since all you need is internet access, credit repair businesses can now offer their employees at home positions and allow for a flexible work environment within the company. In addition to the affordability of online credit repair software, web-based programs like TurboDispute’s, offers free updates that occur instantly over the web without interruption to your credit repair business.
If you’re thinking about filing for bankruptcy, be aware that bankruptcy laws require that you get credit counseling from a government-approved organization within six months before you file for bankruptcy relief. You can find a state-by-state list of government-approved organizations at www.usdoj.gov/ust, the website of the U.S. Trustee Program. That’s the organization within the U.S. Department of Justice that supervises bankruptcy cases and trustees. Be wary of credit counseling organizations that say they are government-approved, but don’t appear on the list of approved organizations.
Bankruptcy. Declaring bankruptcy has serious consequences, including lowering your credit score, but credit counselors and other experts say that in some cases, it may make the most sense. Filing for bankruptcy under Chapter 13 allows people with a steady income to keep property, like a mortgaged house or a car, that they might otherwise lose through the Chapter 7 bankruptcy process. In Chapter 13, the court approves a repayment plan that allows you to pay off your debts over a three to five year period, without surrendering any property. After you have made all the payments under the plan, your debts are discharged. As part of the Chapter 13 process, you will have to pay a lawyer, and you must get credit counseling from a government-approved organization within six months before you file for any bankruptcy relief.
It doesn’t cost anything to dispute mistakes or outdated items on your credit report. Both the credit reporting company and the information provider (the person, company, or organization that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights, contact both the credit reporting company and the information provider.

If you don't plan on using them all it can help. Keep in mind, applying to multiple credit agencies can negatively impact your credit score. However if you already have multiple accounts that are in good standing, that looks good for credit variety and age of credit. Either way there are pros and cons and a lot of factors to consider when making decisions about your credit.
Just because you have a poor credit history doesn’t mean you can’t get credit. Creditors set their own standards, and not all look at your credit history the same way. Some may look only at recent years to evaluate you for credit, and they may give you credit if your bill-paying history has improved. It may be worthwhile to contact creditors informally to discuss their credit standards.
When the dust settles, consider a unique way to build your credit like Self Lender.  Self Lender offers four different types of loans, each which you pay down monthly.  At the end of the term, Self Lender sends you back the initial term of the loan, minus interest and a small application fee.  Each month you make a payment, they’ll report to good behavior to the credit bureaus and you’re credit score and profile will likely improve.  The initial application may drop your credit score, but if you make all payments (to yourself) on-time, it should increase.
When negative information in your report is accurate, only time can make it go away. A credit reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. The seven-year reporting period starts from the date the event took place. There is no time limit on reporting information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance.
You've probably seen advertisements for credit repair on television or heard them on the radio. Maybe you've even seen credit repair signs on the side of the road. You don't have to hire a professional to fix your credit. The truth is, there is nothing a credit repair company can do to improve your credit that you can’t do for yourself. Save some money and the hassle of finding a reputable company and repair your credit yourself. The next steps will show you how.

All of our tools offer complete English and Spanish user interface, selectable per user, this way if a user feels better using the software in Spanish, all what the user needs to do is to click on "Spanish" and the entire system will change menus, messages and screens to Spanish. Click on that icon again and the system will be back to English interface, that simple!
When negative information in your report is accurate, only time can make it go away. A credit reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. The seven-year reporting period starts from the date the event took place. There is no time limit on reporting information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance.
The cloud-based credit repair software is simply more productive and affordable. Downloadable software can be expensive, unreliable and the prices will only increase as your business grows. But with this cloud-based online software, your company can continue to grow, and you will simply continue the routine of opening a browser and logging in. Aside from its competitive price, you can rest assured you will never experience crashes with 99.9% uptime. You don’t want software that starts bugging out every few days. This program has 99.9% uptime, which means you don’t need to worry about losing time and money. In addition, your data will be backed up on a secure backup server as you work.
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.
When in the market for the best credit repair software system, credit repair businesses mostly commonly search “Credit Repair Software for Businesses” in the leading search engines. While researching, it is recommended that credit repair businesses looking to invest in credit repair software, review and outline the tools and management options they will need to help their business succeed, and match those to TurboDispute, the leading credit repair software for businesses.
A good credit repair company first pulls your credit reports from each of the three major credit bureaus in order to pinpoint your credit issues. Why all three? Because each credit reporting agency has its own “data furnishers” (aka lenders, credit card companies, debt collectors, etc.), that report your credit information to them. And there may be errors that appear on one of your credit reports, but don’t appear on the others
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