Here at Fancy Credit Services, our main focus is to thoroughly analyze your credit reports with you to prepare your file to enter the dispute process. Transunion, Experian & Equifax are the largest data furnishers that repeatedly report inaccurate information on credit reports. These organizations are the first contact between businesses when extending credit.
The Fair Credit Reporting Act is a federal law that states that every piece of criteria must report 100% accurate & verifiable. We utilize this law to get the job done! Whether the account is yours or not, if we find any violations (as we always do) the Credit Reporting Agencies must delete the account. If you suffer from identity theft or simply want to fix your credit YOU HAVE THAT RIGHT!
There is no time limit for credit restoration. No credit report is one in the same. If you enroll and do what’s needed, this process can be simple. However, results will vary per individual. It can take anywhere from 3 months to a year to get your credit reports to where it needs to be
Any information that is inaccurate, incomplete, unverifiable & outdated. This includes: Personal information, Late Payments, Collections, Charge Offs, Inquires, Identity Theft. We DO NOT dispute Bankruptcies
If accounts don’t remove be prepared to settle or enter into the pay for delete process. Everything is not meant to remove
We partner with MyscoreIQ, a third party provider that allows credit reports to be accessed. This credit monitoring platform allows your credit reports to align side-by-side to easily spot errors and/or inaccurate data to help us prepare your disputes. This services also offers identity theft protection which is an important incentive while getting your credit restored. Free sites often fail to provide full credit reports
By law, the Credit Reporting Agencies must provide a letter within 5 business days if an account comes back. If you don’t receive the letter before this occur, they have violated your rights and must delete the account. Please note that debts often get recycled from company to company. Accounts that removed were because of an FCRA violation. If you feel overwhelmed with debt: Bankruptcy, Settlements or Debt consolidation may be something to consider
We do not offer refunds for work that has been process & completed