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Credit Advice From A Credit Geek


Have a question? We have the answers!

+1.801.610.9274 / Free Consultations

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Credit Advice From A Credit Geek


Have a question? We have the answers!

+1.801.610.9274 / Free Consultations

When was the last time you checked your credit report?

It is a known fact that 73% of credit files contain missreported information. Credit is a vital lifeline in today's society, without it you're basically not able to live the American dream. Circumstances do arise in life that may force us to alter or adjust plans we had for our future. Divorce, job transition, and death can cause stressful financial changes. Ask about our free consultation; we not only help you understand your credit but we give you a plan to fix it!

Credit can help you buy a home

Homes are a great asset where quite a lot of wealth can be made. If you are having trouble getting a home mortgage let us show you what adverse accounts are in your way.

Geek Tip: Before buying a home make sure your credit is not inquired on for 6 months prior to applying.

credit can help you buy a car

Just walked out of a car dealership and don't know why you didn't qualify for a new car? Well let us help you figure that out! Cars are a huge necessity no one can live without in today's world. However, keep in mind they are depreciating assets. 

Geek Tip: Many times, car dealerships say they are only inquiring once, when in realty they inquire multiple times. It is best to first check with a bank you are on good terms with and see how much they will lend you. Simply take the check and bargain the price down at the dealership. One inquiry hurts a lot less than 10.

credit can help you obtain a buisiness loan

Feeling like you have the next facebook idea, but are missing a couple thousand dollars to get it off the ground? Well a business loan can definitely help you get there. If you have good enough credit and some assets to back you, a bank may give you a loan with low interest.  In the long run it can be very cost effective and help you reach your goals at an accelerated pace.

Geek Tip: Make sure you take into account potential risks when applying for a business loan. It is easy to find yourself obtaining a loan with your heart instead of your mind. That can leave you in a sticky situation if the buisiness doesn't exactly hit the projected numbers you calculated.

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Credit Repair Timeline


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Credit Repair Timeline


geek step 1

obtain a copy of your credit report

When was the last time you looked over your credit report closely to make sure everything was correct? If the answer is a long time ago, then you know you have a problem. Ever citizen is offered a free annual credit report every 365 days. Simply go to annualcreditreport.com and fill in your info. If you have trouble getting the reports, well that's what the geeks are for!

Geek Step 2

Dispute missreported information

If you find any missreported information or information that isn't yours you need to write some dispute letters. Disputes can be sent out directly to the creditor/furnisher or they can be sent out to any of the three credit reporting agencies. Depending on the situation a credit repair geek can advise which route is the best to take.

geek step 3

cra investigates disputes with the creditor

Once the CRA (Credit Reporting Agency) receives your dispute they will then investigate with the creditor. This process can last as long as 30 days. If the creditor can not verify the information within the 30 day limit, the missreported information must fall off of your report.

Geek step 4

Creditor investigates dispute and responds to the cra

At this point the creditor has either verified or hasn't been able to verify the information in question. If the creditor makes no response to the CRA's, the information in question must be removed from the reports.

 

Geek step 5

The cra updates the information based on the creditors response

All updates are based on the response from the creditor. Take note that any information that is verified will not have any update.

Geek step 6

Repeat if needed

Depending on how much missreported information is on your file you may need to repeat these steps again. We recomend only disputing 3 accounts at a time. Any more may look like false disputes.

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Credit Repair Geeks


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Credit Repair Geeks


Derrick Richards

EXECUTIVE Credit Geek

This geek has all of the knowledge you need. He can answer any question regarding credit you may have. Derrick Richards goal is to help spread credit knowledge across the united states. He is currently writing a novel on steps to take when first starting off in the credit world, as well as a second on what to do if you come across a bump in the road. A credit geek extraordinaire if you will.

david garza

credit geek

David Garza has been in the credit industry for as long as he can remember. He started his first company with Procision Proccesing to help merchants achieve their goals in buisiness by accepting credit cards. A major trend he saw in the merchant industry was the denial rate due to credit related issues. After taking matters into his own hands he decided to partner with Credit Repair Geek to help people get approved. A credit geek by all means.

ranlee basas

tech geek

With over 10 years experience in the field of computer sciences; Ranlee has certainly received his geek badge. His knowledge of both IT and credit repair have allowed him to automate parts of our process. This has lead to an extremly smooth experience for the customer. We couldn't be any happier to have this geek on our team!