Ladybug Credit Consulting uses conventional dispute methods to ensure maximum results in restoring your credit. Our process is based on knowledge of consumer laws and experience with the credit bureaus. We take advantage of your rights as established by the Fair Credit Reporting Act (FCRA). You have the right to question any information on your credit reports that your feel may be questionable or inaccurate. If a questionable item cannot be proved then it must be removed. Ladybug Credit Consulting uses an effective 3 Step process that provides exceptional customer service and results. ”Credit repair services” means all actions taken by Ladybug Credit Consulting, on behalf of you (Client), related to the removal of any errors, misrepresentations, outdated and/or unverifiable information from Client’s Credit Report(s), and/or any Ladybug Credit Consulting attempt to remove the same, as permitted under Federal Law (15 U.S.C.S 1681 et seq.).
Credit can affect everything from home loans, auto There are five factors in determining your credit score:loans, rental agreements, insurance, social status, and even employment. Bad credit means higher rates on just about everything related to borrowing money. Making a plan to try to improve you credit will help save you money
The five factors in determining your credit score:
• Payment History
• Amounts Owed
• Length of Credit History
• Taking on More Debt
• Types of Credit in Use
• Late Payments
• Collections
• Charge Offs
• Bankruptcies
• Judgments
• Tax Liens
• Repossessions
• Inquires
• Identity Theft
• Fraud
• Foreclosures
• Garnishments
• Closed Accounts
• Negative Settlements
Please read and sign our agreement. Then get your 3 credit bureaus account using the link we provided (using other credit reports wont import your items into our proprietary system). Once this is complete we will contact you, and go over your credit restoration.
We use a proprietary software that works like the Chess Computer. It knows every move within the 3 credit bureaus and it never looses. We will also be drawing upon our vast arsenal of credit restoration strategies and experience. You will be receiving constant letters from the 3 bureaus as we work. Keep these for your records, again our software keeps track of. So you don't have to send them to us (like the old days).
The credit bureaus by law have 30 days to investigate your disputes. After that, they must inform you of their results and send you a copy of your updated report. Remember we don't need a copy of these letters, keep them for your records.
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