It's never too late to repair your bad credit.
Working with the right Credit Services company is key.
Trying to fix bad credit on your own can be a nightmare. We help you correct negative inaccurate items on your credit report. Although we are not attorneys, Illinois Credit Services understands the credit system and our team of FICO Certified Credit Experts understands what to do and how to do it. Over 78% of people have errors on one or more of their Credit Reports.
We will contact the Credit Bureaus on your behalf. The bureaus should send YOU results within 30 days. That's right! You will see all of the responses from the credit bureaus and you will see what information they have deleted, corrected, or verified.
Our First Work includes a packet of credit information mailed to you including specific Strategies and Plans for Credit Improvement for your credit reports. You will also receive periodic educational emails and our credit experts are available during normal business hours to answer all of your credit questions.
Just because credit information is reported on your credit report – it does not mean that information is accurate. It also does not mean that information is wrong either.
Under federal law, you have a right to an accurate credit report. This means, you have a right to challenge information you believe may be unverifiable, obsolete, questionable, or incomplete. You do not have the right to challenge everything and anything on your credit reports, including information you believe is 100% accurate, without regard to the laws.
Remember, YOU have a right to 100% accuracy of the information on your credit report. And there are laws which protect this right!
The credit reporting system has several laws which govern the credit reporting system.
The 2 primary laws are the FCRA (Fair Credit Reporting Act) and the FDCPA (Fair Debt Collection Practices Act) which governs the collection activity of third party debt collectors. View more laws pertaining to your credit rights.
Here's the thing....these laws provide all of the rules, guidelines, and do's and don't for all of the creditors and credit bureaus who are reporting information about you on your credit report. These laws also contain YOUR rights. Yes....you have rights!! The problem is that most consumers do not know what their rights are because they have not read these laws. (for copies of these laws – click on these links FCRA, FDCPA).
Or for help in understanding them,
Call ICS now: 630-ICS-8500
|We are not attorneys and we are not a law firm.
We are credit repair experts.
|“….we are scheduled to close on our house on the 25th….
Jim [and the] team have done a great job on helping us get to where we need to be. The wife and I greatly appreciate everything all of you have done for us. I have and will continue to recommend your services to everyone I can. Thanks again for all of your help"