Clean up your past
Track your present
Change your future
Why Choose Access Credit Management?
Access Credit Management specializes in credit restoration, credit rebuilding, student loans, bankruptcy, repo, divorce, medical billing and credit education. We are committed to your journey to financial freedom and to regain financial confidence. We look forward to working with you!
Our Proficiency Speaks for itself
We guarantee results or your money back!
Let’s work together to optimize your scores. If you are ready to take action, we are ready to help!
Get Solutions To Your Credit Problems
Negative items on your reports need to be challenged immediately to regain a healthy credit score in a reasonable amount of time.
Our highly trained and certified specialists will provide a complete analysis of your reports to catch all those inaccuracies and disputable items.
We will then take action with our proven system designed to get optimal results and have your credit on the path to recovery in no time!
Credit Report Analysis
We will help you obtain a better understanding of your credit report, credit history, credit score, and show you how to improve your creditworthiness.
Credit Monitoring
Monitor the scores submitted by the credit bureaus to ensure that only accurate and up-to-date information is reflected.
Credit Repair
We review your credit report, dispute and challenge unfair marks on your credit.
Credit Education
We show you ways to reduce interest rates, pay off loans and pay debt in a timely manner and maintain healthy credit scores.
Credit Repair in 3 Steps
Clean up your past
We work with credit bureaus and your creditors to challenge the negative report items that affect your credit score.
Track your present
Easy access to your account 24/7 for live status updates to improvements on your credit reports and scores.
Change your future
We’ll maximize your score so you can achieve your goals and learn how to maintain great credit long after our work is done.
FAQ
Frequently Asked Questions
Your credit report defines if you can acquire a home loan, vehicle financing, credit card rates and even affordable car insurance! The misconception among most Americans is that we have just the one credit report. Each of the three main credit bureaus (TransUnion, Equifax and Experian) has their own credit report to show. Over 75 percent of credit reports contain errors and it is extremely important that you review all three credit reports to make sure the information is up to date and accurate! A lender may pull just one of your reports or all three when considering a loan, so it is paramount that you keep a close eye on ALL 3 reports.
There are many things that can affect your credit score, but for now let’s go over the main negative and positive factors.
-Negative- Collections, Charge- offs, Repos, Loans, Delinquent accounts, closed account, Medical Bills and Late Payments.
-Positive- Long and Positive Credit History, Low Credit Utilization, Positive Trade Lines, On-Time Payments and Paying More Than the Monthly Minimum On Payments.
Each person’s credit report is different and each item on the report holds a different weight. If your score isn’t rising or is declining slowly; the main issue causing this is simply that the weight of the negatives is outweighing the positives. If you have been making your payments on time, but your credit utilization rate is above 30% then you may see a slow increase. If you are to remove any negative items but don’t have much positive credit recorded underneath, then you may experience a small decline in your score or a very small increase. On the other hand, if you remove many negative items and underneath you DO have positive credit, your score will rise 90% of the time!
Let’s Make A List!
- Names- Is your name listed correctly or are multiple names present?
- Is your address accurate and up to date?
- Are items listed properly or missing?
- Manner of Payment- This one is a little difficult to start looking for at first, but we have a handy dandy video to show how to find these discrepancies! – MOP Mistakes
- Do you not recognize an account/ is the account even yours?