"Your Best Credit made credit repair so easy and stress-free. They kept me informed every step of the way and were always available to answer my questions. My credit score has improved so much, and I owe it all to them!"
"I've tried other credit repair services in the past, but none of them compare to Your Best Credit. Their team is knowledgeable, professional, and truly cares about their clients. I recommend them to anyone looking to improve their credit score."
That's why we have put together this list.
That is a great question and there are a few steps that you need to take.1st step would be to go to www.mycreditaudit.com and fill out the form to request your credit audit.2nd step would be to follow the link provided and set up your monitoring account. We offer a 7-day $1 trial (that's where the cost of a $1 comes from).3rd step come back to the application and add your user name and password to the monitoring account.We will then be able to pull your credit report and start on our audit process. This process takes a couple business days to put together. Once we have your credit audit finished we will send you an email with a link to a video presentation that we will make about your audit.There is no obligation for anything. You can cancel the monitoring on the 7th day to avoid any future charges.We are so confident that you will find value in the credit audit that we create for you that If you don't find the credit audit valuable in any way we will send you a $10 Starbucks gift card on us just for letting us provide you with a detailed audit on your credit profile.
The Credit Bureaus would like you to believe that all information stays for 7-10 years, regardless of anything you do.
Good credit - 10 years or longer
Negative credit (late payments, collections, charge-offs, closed accounts, child supports, civil and small claim judgments, paid tax liens) - 7 years from the date paid
Chapter 7, 11 and 12 Bankruptcy - 10 years
Chapter 13 Bankruptcy - 7 years
Unpaid tax liens - 10 years
Inquiries - 2 years
However, the dispute process we use may DELETE THESE NEGATIVE ITEMS ALTOGETHER before this time.
It all depends on how many negative inaccurate, obsolete, misleading, or duplicate items are on your credit reports. It also depends on the credit bureaus properly doing their job by heeding the federal law, Fair Credit Reporting Act.
You will usually see results from all 3 credit bureaus in as little as 45-60 days per dispute round. The credit bureaus can respond faster if they gather all the information back from your creditors in a timely manner, which by law is no more than 30 days. However we guarantee deletions over 180 days or 100% of your money back.