We offer Personalized... Not Computerized Credit Report Repair!

No two peoples credit reports are exactly the same!  So, no pre-set computer program is going to be as effective as real, skilled credit report correction counselors.  Period! At SavemycreditUSA we offer personal and professional service, we are real people working hard for our clients.   Of course we use technology, but we do not rely on it to perform the task of credit report repair!  We do not scan credit reports and have an automated system produce duplicate dispute letters to mail to the credit reporting bureaus.   We have skilled counselors that analyze your credit reports, then determine the best possible plan for maximum results.   Then we draft unique and individual letters to the credit reporting agencies or to the creditors, collections agencies, or courthouses, depending on your unique and individual needs.   NO computer program can do that!   When you call our office you will not be patched through to a call center full of unskilled telemarketers that read a pre-written script of answers to the "most commonly asked questions".  Instead you will speak to your assigned counselor, and they will answer your questions directly and personally.  With identity theft becoming the largest crime in America do you really want call centers and out-sourced companies accessing your personal financial information?  Before you decide on a Credit Repair Company please consider these differences.

With interest rates going up, the motive and importance of having your credit scores as high as possible has never been greater!   Statistics show that 79% of all credit reports contain errors, these errors are costing consumers millions of dollars in interest a year!   You have to right to challenge inaccurate, out-dated, and unverifiable information that is reported on your credit report.  You also have to right to hire a professional to assist you.  Fowler and Fowler has been in the credit repair business since 1998, and we have helps tens of thousands of people get the credit they need and deserve.  We are honest, straight forward and dependable.  There is no secret to success, it takes hard work and determination, and that is what we offer you at Fowler and Fowler.  Click here to read more about our services.

If you are serious about improving your credit rating, call us today and speak with a Credit Report Repair Specialist!  The call is free, and the service is backed by our Money Back Guarantee.  We will even look at your credit reports before you enroll in our program.

What Makes Us Exceptional !

1. Unlimited Dispute
2. Unlimited Deletions
3. Full Refund Policy
4. Personal  Service
5. No Per Dispute ------Fee
6. No Per Deletion-----Fee
7. No Hidden Fees
8. Free 24/7 Account -- Access 

There are two acts, the FCRA (Fair Credit Reporting Act) which was recently revised into the Fair and Accurate Credit Transactions Act (FACT Act), and the FDCPA (Fair Debts Collections Practices Act).  These two acts were set up to protect your credit rights.  Sounds like legal stuff right? Don't worry, they're simple to understand. What they basically do for you is hold your creditors and credit bureaus responsible—legally.  Which means every claim against your credit they have to back up, and prove—which is a beautiful thing.

Because here's where it gets good.

By now, I'm sure you know you want to fix your credit. Here's how we're going to do it: 

Because of those two acts, anyone can get a copy of their three credit reports.  They'll charge you a $29 fee to get them, but it's a must.  After we have a copy of your reports we'll go through the negative items and work to get as many of them legally removed as possible. Things like late payments, outdated or inaccurate information, judgments, collections...the usual.  Basically all the things that home lenders, credit departments, and so on look at when they decide whether to give you that car, home loan, credit card, or interest rate you want. 

The bottom line is this...

Any information on your credit report that contains inaccurate and negative information is noted, and then it will be removed. We are prepared to go directly through the credit reporting agencies to the credit institution who placed the negative item on your report if necessary to remove it. We demand written confirmation of the deletion and a copy is sent to you.

Let me give you an example.

Let's say your credit report shows you have late payments on your credit card 3 months in a row back in 2006.  We'll dispute your visa or master card company asking for proof of this.  The fact is, either they'll not respond with the right evidence because they have no record of the item, or not bother with our dispute at all. Then just like that, the 3 months of late payments, according to your credit record, never even happened.  By law it has to come off your credit record.

The same works for collections, chargeoffs, etc.

You would be amazed at how many times the companies don't even get back to us.  Think about it, you've got millions of people you have to keep track of, then you get a letter asking you to prove an event from 2006 about one of your millions of customers.  Companies don't have time for that and they definitely don't have the staff for it.  We know, we've been doing this for 8 years.  And even if we don't get it off your record in the first dispute, we'll send another one, and another.  It's like releasing a highly trained swat team on your creditors.

 

We Can Remove:

Late Payments Collections Charge Offs Bankruptcies Judgments Repossessions Foreclosures Garnishments and more...

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