Credit Repair NYC New York
Are you looking for a NYC Credit Repair service that will be able to increase your credit score with the fastest results? Do you want to stay on the right track and be informed on getting to and maintaining a better credit rating? If you have never been sure of how credit works or just had some credit pitfalls and are unsure what credit repair service in NYC, New York, to choose, you’re in luck; Credit Roadrunner is here for you! Credit Roadrunner is here to help you get to a better credit score and help all our clients to prevent them from making any future mistakes. Our NYC credit repair service also allows our customers to recognize and prevent future credit no-no’s.
We at Credit Roadrunner credit repair services understands that the need for a credit repair company sometimes can be from things entirely out of your control, such as:
1. identity theft
2. mistaken identity with someone who has a similar name
3. Loss of employment and the ability to pay your bills
Credit Roadrunner can help you regain the credit score you once had before after any of these unfortunate incidents. The NYC Credit Roadrunner, credit repair specialist, will guide you to an event better credit score than before! Credit Roadrunner is a nationwide credit repair and credit counseling company with over 40 years of combined experience in the financial services industry. At Credit Roadrunner, we understand how hard it can be to take control of your credit situation and what steps might be necessary to get to that credit rating you desire. At Credit Roadrunner credit repair, not only do we make the process easy for you but, we inform you along the way because we believe “knowledge is power.” When it comes to your credit score, it’s this power that will save you money on interest rates, get you approved for that car or home you’ve been dreaming of, save you money on car insurance, and even in some cases meaning the difference between getting hired for that dream job!
Once you decide to let us take you on the exciting journey to better credit, we will start disputing negative items from your credit report, disputing incorrect information from your credit report, and disputing credit inquires you didn’t approve of or should have fallen off your report over time! Our credit repair experts are ready to fight for you and any credit situation, identity theft, late payments, charge off accounts, repossession, foreclosures, defaults, duplicate accounts, incorrect names or aliases, incorrect address or employment history, items that belong to someone with a similar name, business credit showing up on your credit. If it’s negative and on your credit report, we will dispute it!
Stop paying high-interest rates on your credit cards, personal loans, consolidation loans, homes loans, or cars loans. Bad Credit Can have you paying higher insurance premiums and potentially not getting the job you desire. Call us today for a free credit repair consultation and start on your new adventure to a higher credit score, incredible savings, and all the things in life you dream of!
Is Credit Repair a Gad Idea or Bad Idea?
Anything that will make your life better is a good idea, especially if bad credit holds you back from the many privileges that people with good credit get. Why be looked at like loan companies or car dealerships are doing you a favor when they get you into a car, hand you a new credit card, or get you approved for a loan. Your business is something creditors should be fighting for, not make you fight to get. Credit Roadrunner is here to change the dynamics of your credit situation and get you to a better place for better peace of mind and, of course, better interest rates! Better credit means better interest rates and overall savings!
How do I keep My Credit Good?
The truth is that you can manage your debts on your own; it's recovering from life’s unexpected events that’s the hard part. Let Credit Roadrunner NYC, New York’s Credit Repair Services help you get back on track! With the knowledge you’ll gain through the credit repair processes with Credit Road Runner and some discipline, you’ll have a grip on your finances. Just as important as your fixing your credit is the knowledge, you'll gain that will allow you to maintain the credit score you want!
It's time you get approved for a car loan with a low-interest rate, a credit card that you’re not paying for, the privilege of making them money, or loans that won’t cost you half of what you borrowed in interest.
“Fix My Credit Myself”
“Fix my credit myself, you say,”? Consumers make big mistakes trying to fix their credit reports and often make it harder for a credit repair company to do the work the right way. If someone is not sure of the proper way of getting derogatory items deleted from their credit report, they should not do it! The reporting agencies will start to reject your attempts as frivolous and ignore them.
Some people may try to give you the advice to do debt settlements, and that’s something we would try to have you avoid, as it can hurt your credit worse and take a longer time to start the recovery process. We at the #1 credit repair company in New York believe through aggressive action on our part and some negotiation on yours; we likely can come up with a better way to get your credit back on track without going that route.
Is Bankruptcy a Good Idea?
Bankruptcy leaves a black mark on your credit report for at least seven years. While it may seem like a good idea at the time, this option does nothing to repair the negative information on your credit report. It can hurt you more in the long run because you will now be paying late fees and higher interest rates for your accounts. In some cases, you can avoid bankruptcy and do other things more conducive to a better credit score quicker.
Tips For Credit Repair
Credit Repair is an unfortunately necessary option for anyone who is falling behind on their bills. But there are so many companies out there advertising themselves as credit repair experts in New York that it can be challenging to know what legitimate and which ones is are not. When selecting one of these companies to help you fix your credit, make sure you research them. Don't simply take the company's word for it. Here are some tips to help you choose the right company for credit fixing.
Credit repair companies are people who fix credit reports. They are to remove incorrect and other things wrong with your credit, so; they should be willing to do a free credit consultation and help you understand better what they plan to do.
You should be copied on all work done on your behalf when you deal with credit repair professionals; this will allow you to be aware of what they are doing for you and learn from the process as you go along.
The most important thing to do when beginning the relationship with the credit repair company is to closely look over your credit reports. The credit repair company will help you determine precisely what information is being reported accurately and whether it should be removed.
Your newfound credit repair adventure should be exciting. While you see what’s wrong and what needs to be removed, the credit repair company should help to show you things like the credit utilization part of your reports and help you figure out the best ways; to get that tackled!
Once you've worked with your credit repair company or hired a credit counseling service, they will teach you the way to not only a better credit score but the way to maintain that credit score and make it even better from there! Now it's time to get started!
You Have a Super Power! We Will Help You Access It,
We know you have a superpower and our goal is to make sure everyone, including you, can access it. You won’t be able to fly unless you get on an airplane or helicopter and you may not be able to run faster than a locomotive, but we promise it will open doors for you.
In society today, the world is becoming increasingly dependent on credit, whether it be for making important financial decisions or just day-to-day purchases; having and maintaining good credit has never been as important. So what is your score? Credit Roadrunner is here to helo with credit repair in NYC and the surrounding areas. Credit Roadrunner is the premier credit repair company in NYC and around the country. We at Credit Roadrunner know the higher your credit score the better chances you have at getting approved for all things necessary, but at rates that wont be three times higher than the next persons. What does your credit score say about you? To put it in simple terms, a credit score measures one's ability to borrow money from a second party with the promise to pay that second party back within the requested timeframe. You can view your credit score quite simply as your “risk” score. Financial institutions don’t want to loan money out if they are not going to get it back on time. The higher your score the less risk the financial institution is taking by loaning you money and the lower the interest rate will be. The better your score the more power you have and a high score can really help open doors for you to a better life. Here are just a few of those superpowers:
Lower interest rates on loans and credit cards. Why is this important? The lower your interest rate the cheaper it is to borrow money and the easier it is to pay it back.
Get money when you need it. With a high credit score, it is much easier to get approved for a loan or credit card.
Get more money when you need it. You will be able to borrow much larger amounts of money if needed because you are much more likely to pay it back.
Pay less for auto insurance. That's right, your credit score can affect your insurance premiums as well.
You can negotiate. “I can negotiate?” You sure can. Financial Institutions like their money to be safe and they want to minimize their risk. You can talk to your lenders about lowering their rates since your credit score is so good. You can contact other financial institutions that will offer you a lower rate and use these as leverage to get the rate your want.
Alright, so what are the challenges that can occur when you have a low credit score?
More difficult to get a loan. When you have a low credit score it is very challenging to get a loan and the loan you do get is going to have a much higher interest rate making that money very expensive.
Much higher interest rates. Because you are a much greater risk to financial institutions you are going to pay a much higher interest rate for them taking that risk. For example, if you buy a $300,000 house with a low credit score you might get a rate of 4.8% or higher. Someone with a much higher interest rate may get a rate at 3.2% or lower. Over a 30 year time period the person with a low credit score is going to pay $99,000 more to pay off their mortgage.
Tougher time getting what you need. When you have a poor credit score, it becomes more difficult to get utilities, rent an apartment, or get the internet.
Delays building wealth and saving for retirement. When you have high-interest loans and a lot of debt, it becomes very difficult to build wealth.
These are just a few reasons why working to improve your credit score is so very important as it impacts many aspects of your financial life.
At Credit Roadrunner, we have spent over 40 years helping those with poor credit to repair and allow their great credit score to become their superpower. We make the process easy and we communicate with you every step of the way.
Here are some questions that many people like yourself have asked us over the years.
What Can Credit Roadrunner NYC Do to Help Restore My Credit?One of our knowledgeable NYC credit repair experts will help you obtain your credit report and go over it with you one item at a time. Together with you, Credit Roadrunner will create a plan of action and attack! Remember we are the premier nationwide credit repair service and have hundreds of customers across the county, we are here o help you next.
What Qualifications Do You Have?We are a nationwide credit repair and counseling company with over 40 years of experience and we will put that experience into the work we do for you!
How much does your service cost?After the initial credit repair consultation, you will then and only then pay $100 to get started! Our service then costs only $100 per month and can be canceled at any time. For anyone who would like a discount paying for the year in full costs $999 and you save $301 on a 12-month period.
What Information Do You Need From Me?We will need credit reports from all major credit bureaus and we have the tools to guide you to get them, to see what issues are causing your credit score to be so low, and will then prioritize an action plan to resolve those issues and begin raising your score.
How Do You Fight Bureaus for Me?We know how to dispute items one at a time so that your disputes are not rejected as frivolous. We know how to take action if those disputes are ignored and we know how to properly respond and dispute again with the proper reasons and letters to keep trying to remove those negative items.
What Information Can I Dispute?If it is negative and on your report, we will fight it. Here is a list of many of the things we will dispute with major credit report companies such as Transunion and Experian : collections mistaken identity errors late payments business credit reporting charge-offs incorrect address information bankruptcies correction in spelling errors in your name repossessions foreclosures updates of incorrect financial information judgments from your credit report
How Long Will It Take To See An Improvement In My Credit Score?Every person’s situation is different but after our consultation and after we view your credit reports we should be able to provide you an estimate of the time when you will begin seeing improvement in your credit score. On average with the knowledge and experience, most customers do start to see a difference in the first 60 days and will always see us working on their file every month
Do You Work with Attorneys?In the event we can’t get something removed and have worked hard exhausting all resources at our disposal we can refer you over to one of our trusted attorneys that will take your case on a contingent basis at no upfront cost to you and try and seek damages in the form of a cash settlement and help to remove the item!
How Can I Be a Part of the Process?Please be sure to keep us informed and send us copies of every response you receive from companies like Equifax, Transunion, and Experian, so we can move forward and help get your credit score to a place that makes you feel good again. Try not to use your credit cards or apply for any without consulting with us first as this may hinder and affect the work we are doing on your behalf.
Please read a few testimonials from some of our very happy and relieved customers.
Susan, Annapolis, MD
“I was in a situation where I was struggling and I knew I needed to get another car because my car was on its last leg but the only car loan I could get approved for had an interest rate of over 22%. I was at my wit's end and a friend told me about Credit Roadrunner. That did exactly what they said they would do. Their communication was fantastic and they were able to raise my credit score by over 100 points in a short time. I would recommend Credit Roadrunner to anyone that is struggling with poor credit.”
Jason, Hollywood, CA
“Thanks to Credit Roadrunner I was finally able to buy my first house. I was getting married in a year and wanted to buy a house but I could not get anyone to approve me for a mortgage. I did some research and after looking at several credit repair companies, I chose Credit Roadrunner and I have not been disappointed. They did everything they said they would do and more. I give them 5 stars!”
Elizabeth, Columbus, OH
“What can I say, when I was younger I spent way beyond my means and was not responsible with my spending. I could see that I would struggle financially for the rest of my life if I could not repair my credit. Well, in less than 6 months I am well on my way to having a good credit score and Credit Roadrunner has been with me every step of the way.”
Dimitri, Jacksonville, FL
“I worked with Credit Roadrunner a few years back and I have a new life with a good credit score thanks to them. I tried repairing my credit on my own. I tried working with the credit bureaus and tried to get negative reports off of my credit report but I was spending a lot of time and not getting any results. Credit Roadrunner works. After all, they know how to work with the credit bureaus because they have done it for so long. They made what I thought was impossible, possible….a new life!”
Keegan, Wilmington, DE
“I had a terrible credit score, a lot of it was my fault, but once I began working with Credit Roadrunner they found a lot of false information on my report that was not me at all that further damaged my credit. They not only helped me with my self-inflicted credit damage but also resolved all of the other issues hampering my credit. I now have a great credit score which has opened so many doors for me. My husband and I just bought a new house with a beautiful inground pool on 2 acres of land. None of that would have been possible without Credit Roadrunner.”