Could a typo be ruining your credit score?

How to clean your credit report faster so you can get approved to buy the things you want

Style Magazine Newswire | 2/11/2020, 11:09 a.m.

“We send all the inaccurate negative accounts to the credit bureaus along with our legal documents. We do this three times, with each round lasting 40 days. With this method, clients will often see 50% of their inaccurate negative accounts deleted in the first round and raise their credit scores by as much as 100 points. Once we get 90% of the inaccurate negative accounts deleted, we start using credit-building products, which can increase scores another 50 to 100 points.”

Credit Score Guru’s pricing reflects its faster strategy. “Our fee structure has three levels, ranging from $750 to $1500, depending on the number and types of inaccurate negative accounts. Other companies may charge less but they drag out the process for years. And our clients can easily make up the difference by qualifying for lower interest rates.”

Miller cautions that removing inaccurate negative accounts from your credit report is not a form of debt consolidation. “Credit repair frees up your credit so you can get approved for things you want. Unless it wasn’t your account, you still owe the debts.”

How to spot the credit repair scammers

The credit repair industry is on fire. That has opened the floodgates for scammers who take the money and run. “It’s illegal to ask for all the money up front before they do the work, so insist on affordable monthly installments,” cautions Miller. To find a reputable company, Miller advises people to look at the provider’s education and industry experience. “There are a lot of people doing credit repair without a professional background,” says Miller, who routinely advises others in the industry about best practices. “Also, check the reviews and confirm that they are registered with the Better Business Bureau.” Credit Score Guru also offers ongoing continuing education so clients can learn how to manage their credit scores moving forward.

What other tips and strategies can improve your credit score?

In addition to getting inaccuracies removed from your credit report, Miller says everyone should have their own credit, separate from their spouse. “You never know which person in a relationship the lending institution will use to get approval,” he advises. Also, don’t max out your credit cards. “Keep your balance below 30% of the approved amount.” And have a healthy mix of credit. “That may include a revolving line such as a credit card, and an installment loan.”

Miller concludes, “We all need credit to survive. I want to teach people how to make the credit system work for them instead of allowing it to work against them. There’s no one we can’t help.”

For a free credit analysis, email