Free Consultations, Repair Credit, Payoff Debt

After your free credit consultation, we put together a plan of action that is customized to your financial situation. This is important because no two Credit Reports are exactly alike. Therefore to get the best results possible it will entail more than just writing letters to the bureaus, but also your creditors and collection agencies as well. The federal & state laws in place are there to protect you from inaccurate and unverifiable credit reporting. Debthelpusa.org makes sure that these laws are being followed by using a multi-stage process.

Debt Help USA demands validation and verification of uncomplimentary information using such laws like the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transaction Act and the Health Insurance Portability and Accountability Act . Necessarily so, these four laws have been established to protect consumers’ credit reports. Creditors and credit bureaus are legally obligated to produce documented evidence within a reasonable amount of time, usually 30 days, to solidify the claims they make. They must immediately remove any undocumented information from the consumer’s credit report if they cannot validate their claims.