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Our Services

We raise your credit score by removing negative items from your credit report while giving you sound advice on what you can do to raise your score on your own.  Our credit repair services here at Action Credit Repair offer everything you need to get your credit in good standing once again. In order to achieve this it demands our attention on two critical areas of your credit score. 

First using our Credit Repair Services techniques we need to determine that everything that is contained on your credit reports are accurate. In many cases credit reports contain inaccuracies which in turn affect the credit score, with the end result being a very negative impact on the individual's life. Almost everyone needs credit at some point in time during their life and not being able to attain it can have some very dramatic effects.

There are those that want to buy the house of their dreams only to be held back from doing so because of a poor credit score. There are others who wish to buy a vehicle that they prefer for many different reasons, only to be restricted in their choices because that they cannot qualify for credit. Again this is because of a poor credit score. Then there may be times where credit is needed for emergency funding and it is denied because the individual cannot qualify because of a poor credit rating. For those that that are able to get credit with a poor credit score they end up with a very high interest rates that can stay with them for very long time.

Based on this it is very important that any individual with a poor credit rating seek out credit repair services from us here at Action Credit Repair.

Once at this segment of our Credit Repair Services has been completed our next task is to ensure that you are well educated and become knowledgeable in a sustaining a good credit rating.

Our Credit Repair Services also include constant contact with you throughout the entire process of our services so you are able to track firsthand progression that is being made. This is done through our software system that is totally secure. We will ensure that you are constantly updated to any changes in your file by sending you an email advising you of the change.

One of the many reasons that you want to utilize our credit repair services here at Action Credit Repair is because we make your credit needs our priority. Each of our clients is treated as an individual with individual credit repair needs. It is our policy not to charge any upfront or advanced fees for ours. You only pay for our Credit Repair Services once they are completed as outlined in our agreement.

Contact us now to make your appointment with one of our highly trained and experienced Action Credit Repair Experts that is ready to perform for you. Don't go another day with poor credit when there is much that can be done by us to put you into a good credit standing.

OUR PRICING: We Don't Charge Advance FEES for ANY of our Services!

Any Credit Repair Company quoting score increase or time to repair is acting deceptively and should be avoided.  Action Credit Repair, LLC will be committed to your success and will do everything we can to meet your individual goals as quickly as possible.

As a company we'd rather tell you the truth, educate you, and allow you to make the best decision possible. What we can promise you is our efforts and education are unmatched, and our commitment to ensure your complete satisfaction is what will ensure you're not only happy about choosing us, but you will also tell others about your great experience working with our team!

Our company offers the following services to ensure we can accommodate any situation:

  • Unlimited Disputing of ALL Derogatory Items

  • Unlimited Disputing with ALL 3 Credit Bureaus

  • Direct with the creditor Disputes Included

  • Unlimited Support Through The Entire Repair Process

  • Help with settling any of outstanding collections & charge-offs

  • Debt validation request on any questionable collection reporting

  • Professional advice from a FICO Expert

  • FREE coaching on how to increase your credit scores the right way

  • Month to Month Credit Repair that you can Cancel Anytime
     

While most credit repair companies will stagger their work and prolong the program by only disputing 3 of you derogatory items with ONLY 1 Credit Bureau, which will double if not triple the amount of time it will take to complete.  This will ultimately cause you to pay more money.

Action Credit Repair, LLC will work on every negative record you have from day one. We offer a true unlimited service built for speed and results so you achieve your Credit Repair Goals.

If you have inquired with companies that have asked you for your Credit Card number or money in advance of any work, RUN don't walk.  Action Credit Repair will NEVER ask you for any payment information in advance of any Service completed for any Client.

They are clearly breaking the law.  You deserve personal professional service to discuss any questions or concerns you could have throughout the process.

In order to determine which one of our program fits your needs and if you are a candidate for our services, we must review a recent credit report.  We have several different program options to meet any one individual needs and goals.  From Unlimited Disputing & Service, Pay-For-Deletion, One Time Dispute, Mortgage Express and even a Do It Yourself (DIY) Credit Repair Service.

Since we work on a case by case basis, please call us today at 518-945-2299 to see which program best fits your needs.

How Long Does it Take:

No credit repair company can guarantee credit score increases, how long the process will take nor what exactly will be removed from the credit report.

Action Credit Repair can raise your credit scores to lendable scores on average of 3-4 months. Our Clients on average complete the total credit repair process in as little as 4-6 months. How are we different? We care about your end goal and work with you directly to reach that goal as quickly as possible.

We use our knowledge of the Fair Credit Reporting Act (FCRA), the Fair Credit Billing Act and Fair Debt Collection Practices Act (FDCPA), as well as other applicable Federal statutes to maximize your results quickly.

Our Credit Repair Process Is Fast, Secure and Effective.  We work on every negative item on your credit report, not just one or two. Within 6 months of the starting with us, we average 70% removal and/or correction of negative items as outlined in your Initial Credit Audit. We are more than just your typical Credit Repair Company.  Our main goal is to get you into the Home or Car of your dreams.

During your Initial Credit Audit, we will customize and go over your personal plan of action to start improving your credit score. In addition, you will have a time line with specific dates and expectations for each occurrence in the process, especially the estimated date of completion.

We are not here to judge you, but to help you repair your credit, and raise your credit score by removing the derogatory items and educating you so you can achieve your personal goals.

Our Past Success

Just a 20 point FICO increase can mean the difference of tens of thousands of dollars in interest paid over the life of an average priced Home or Car. We, and our associates, have a proven track record of raising FICO scores quickly and effectively to give our clients better purchasing power.

On Average of the Items we disputed on behalf of our Clients, we achieved an overall deletion/correction of 70.3%.

Average FICO score increase in 6 months: 60-100 points

Score increase in 35 to 45 days:
10 points or more 93%
20 points or more 71%
50 points or more 20%
100 points or more 10%

Score increase in 90 days:
10 points or more 97%
20 points or more 82%
50 points or more 35%
100 points or more 20%

There are too many factors that make up the credit score, so it is impossible to give you an accurate prediction of how much your score will increase. Since we do not know for sure which inaccurate items we are going to get removed, it is nothing more than a guess for us to tell our client how much their score will increase.  It would be a violation and illegal based on the Credit Repair Organizations Act (CROA) for any Credit Repair Company to quote completion times or which derogatory items will be removed from your credit file. No two reports are the same and we cannot predict the future activity on any particular client.