We offer comprehensive credit repair, credit building, and credit education services that are designed to provide you with the results you need so that you can have the life that you deserve for the long term. We will be there to guide you in your credit journey every step of the way.
We'll give you a professional consultation and credit analysis to see if you are a good fit for our credit repair program.
We have a wide assortment of credit-building tools that put you in a position to maximize your credit score!
Log in to your personal dashboard where you can see real-time progress and results every step of the way.
Simple definition: Credit Repair is the process of improving creditworthiness with creditors.
The top three credit bureaus in the U.S. are Experian, Equifax, and TransUnion. A credit bureau collects and researches individual credit information, then sells it to creditors so they can make decisions about granting loans. The companies or agencies that help to legally clean-up bad credit information in order to give a fresh start to the consumers are known as credit repair companies or agencies.
How We Can Help You
When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or to sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report.
When a creditor believes that a debt is unlikely to be collected, they can write off this debt as a loss. This type of debt is known as a charge-off. Like a collections account, this usually occurs after an account has a significant delinquency.
Late payments are payments that are at least 30 days behind their scheduled due date. They are reported to the credit bureaus and added to your credit report as 30, 60, 90, 120, 150 days late. Recent late payments can have a high impact on your credit score.
Student loan delinquencies can have a major impact on your credit score. Also, if student loans are not consolidated into one account, being late 30 days can result in multiple late payments added to your credit report at once.
A repossession typically occurs when there is a serious delinquency related to an auto loan. The lien holder will either voluntarily or involuntarily take back the vehicle and report this negatively to the credit bureaus.
When a creditor believes that a debt is unlikely to be collected, they can write off this debt as a loss. This type of debt is known as a charge-off. Like a collections account, this usually occurs after an account has a significant delinquency.
Bellaire’s Most Trusted Credit Repair Company is dedicated to helping you improve your credit and reach your financial goals. With years of experience and a proven approach, we provide personalized, compliant credit repair solutions designed to support a stronger financial future.
At Bellaire Credit Repair Company, we’ve refined our credit repair process to deliver effective, compliant, and efficient results. Our step-by-step approach is designed to identify inaccuracies, address credit challenges, and guide clients toward long-term financial improvement.
We begin with a comprehensive review of your credit report to identify inaccuracies and negative items impacting your credit score.
Based on our assessment, we develop a tailored credit repair plan designed to address your specific credit challenges and strengthen your overall financial standing.
Our team works directly with credit bureaus and creditors to dispute and seek removal of inaccurate or unfair items from your credit report.
For clients with outstanding debts, we work with creditors to negotiate potential reductions and help minimize overall financial strain.
Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.
Through our services, 93% of our clients see their credit score increase 10 points or more in the first 35 days. After a full 6 months of credit repair, the average credit score increase is 80 points. See full statistical breakdown.
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.
IMPROVE YOUR CREDIT SCORE
