A Great Credit Report Is Essential To
Getting The Most Out Of Life.
“The difference in your credit will be like day and night!”
We have been successful at removing the following items for our clients:
Credit Errors & More!
We will help you by disputing inaccurate and unverifiable items on your credit reports.
We will show you how to maximize your debt ratio score, even if paying off credit cards is not an option. We can also help you to removing credit inquiries from your credit report. Most people are aware of the three credit reporting bureaus, Equifax, Experian and TransUnion. The average difference in scores between the highest and lowest of your credit scores, from the three bureaus, is 60 points. This is the result of the credit bureaus having different items on their report, which may be correct, incorrect or are not reported in full compliance with credit law. According to a recent study, nearly 80% of all credit reports have serious errors on them and this does not even include the even smaller errors for which we look.
How It works
We Take an In-depth look at your credit
Are you looking to get an auto loan or to refinance an existing loan? Have you found your dream home but your credit is preventing you from being approved? CALL US TODAY and let us clean up your credit and raise your credit scores. After using AM/PM Credit Repair, “The difference in your credit will be like day and night!”
After your evaluation, we will work with you to develop a personalized strategy and dispute inaccurate items with all three credit bureaus. We know what works! We will write customized letters on your behalf. Within 45 days the bureaus will respond to you directly with your results.
What Can You Expect From Us?
Results Typically in 30-45 Days
No Hidden Fees
Debt Management Plan
What Is A Credit Score?
A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. Credit scores range from 300-850. The higher your score is, the more likely you are to get a loan. The lower your score is, the less likely you are to get a loan. If you have a low credit score and you do manage to get approved for credit then your interest rate will be much higher than someone who had a good credit score and borrowed money. Therefore, having a high credit score can save many thousands of dollars over the life of your mortgage, auto loan, or credit card.
700-719 Very Good
500-559 Very Poor
Never charge more than 30% of the available balance on any of your credit cards. Banks like to see a nice record of on-time payments, and several credit cards that are not maxed-out. If you are carrying high balances on your credit cards, then make paying them down below 30% a priority. Do use your credit cards – Many people who make mistakes with their credit believe that the best way to fix things is to never use credit again. If you are afraid that you cannot handle your credit cards correctly then the best policy is probably this one: Run only your utility bills on your credit cards each month, and then pay the balance in full by the due date. This ensures that your utility bills get paid on time automatically, and as long as you keep the habit of paying off your credit card balance each month your score will continue to go up. Leave the credit cards locked in a safe or drawer at home.
Keep your accounts open as long as possible – Even if you are no longer charging on the card. The best policy is to keep those unused accounts open, blow the dust off your card every few months to make a small purchase, then pay it off. How long each of your accounts have been active is a major factor in your credit score.
Remember that this all takes time – Following the above steps consistently over a long period of time will increase your credit score and allow you to qualify for better loans and lower interest rates. Repairing your credit score does not happen overnight, so if you do these things for a few months and do not see a large increase in your score, do not give up. They are all habits that you will want to maintain throughout your life, as they will help you to keep your finances and lines of credit under control.
Collection Accounts: May remain seven years from the date of the initial missed payment that led to the collection (the original delinquency date). When a collection account is paid in full, it will be marked as a “paid collection” on the credit report.
Charge-off Accounts: When a delinquent account is sent to a collections company. This will remain for seven years from the date of the initial missed payment that led to the charge-off (the original delinquency date), even if payments are later made on the charge-off account.
Closed Accounts: Closed accounts are no longer available for further use and may or may not have a zero balance. Closed accounts with delinquencies remain for seven years from the date they are reported closed, whether closed by the creditor or by the consumer. However, the delinquency notation will be removed seven years after the delinquency occurred when pertaining to late payments. Positive closed accounts continue to be reported for ten years from the closing date.
Lost Credit Card: If there are no delinquencies, credit cards reported as lost will continue to be listed for two years from the date the creditor is contacted. Delinquent payments that occurred before the card was lost are reported for seven years.
Bankruptcy: Chapters 7, 11, and 12 will remain on one’s credit report for ten years from the filing date. A Chapter 13 bankruptcy is reported for seven years from the filing date. Accounts included in a bankruptcy will remain for seven years from the date reported as included in the bankruptcy
Judgments: Remain seven years from the date filed.
City, County, State, and Federal Tax Liens: Unpaid tax liens remain for fifteen years from the filing date. A paid tax lien will remain on one’s score for 10 years from the date of payment.
Inquiries: Most inquiries listed on one’s credit report will remain for two years. All inquiries must remain for a minimum of one year from the date the inquiry was made. Some inquiries, such as employment or pre-approved offers of credit, will show only on a personal credit report pulled by you.
Our CustomersLove Our Service
On 2/17 my credit score was 654 and as of 3/31 it is 718. I can’t wait to see what my score will be once everything is removed. Looking forward to my future thanks to AM/PM Credit RepairBrenda - Baltimore, Maryland
AM/PM Credit Repair was able to get over 16 items deleted in less than 60 days. I was skeptical before signing up but I’m glad I did. I can’t wait to see what my scores will be once I complete the program.Melanie - Montgomery, Alabama
Ashley help me go from a 512 to a 680 in 30 days and my credit is still under construction. She is truly heaven sent, very professional and extremely humble. It’s a blessing to have met someone who has a real passion for helping others.China - Grand Rapids, Michigan
In my first 3 weeks working with AM/PM credit repair I had over 10 items deleted. One of them being a $6000 student loan. I am so excited for what’s to come next.Monique - Detroit, Michigan
AMPM Credit Repair
Call us at 1-888-569-9861. Our customer service team is available from 9 a.m. to 5 p.m. Monday to Friday (CST)