Your Credit Report and You

Your credit scores are tied to almost every aspect of your financial life these days. When you want to purchase a home, car, or obtain any financing your credit report will be scrutinized by the potential creditor and as you would expect, the interest rate determined by that score. But beyond that, credit can also affect seemingly unrelated items like insurance premiums and even employment opportunities. Your consumer credit score has become the single most useful tool you possess for financial matters, or perhaps the single most costly.

Is Your Credit Profile an Accurate Picture of Your Finances?

You may be surprised but, not likely. Your credit score is created from your consumer credit profile, to which any number of people in your financial life has reported. Add to that, there are over 100 million such profiles being maintained by each of the three major credit bureaus. This adds up to only one quarter being considered accurate with the remaining three out of four credit profiles having potentially serious mistakes. The statistics are troubling for consumers; according to the US Public Interest Research Group: (Reference: U.S. PIRG)

• Twenty-five percent (25%) of the credit reports surveyed contained serious errors that could result in the denial of credit, such as false delinquencies or accounts that did not belong to the consumer;
• Fifty-four percent (54%) of the credit reports contained personal demographic information that was misspelled, long-outdated, belonged to a stranger, or was otherwise incorrect;
• Twenty-two percent (22%) of the credit reports listed the same mortgage or loan twice;
• Almost eight percent (8%) of the credit reports were missing major credit, loan, mortgage, or other consumer accounts that demonstrate the creditworthiness of the consumer;
• Thirty percent (30%) of the credit reports contained credit accounts that had been closed by the consumer but remained listed as open;
• Altogether, 79% of the credit reports surveyed contained either serious errors or other mistakes of some kind.

Consumers are losing billions of dollars to unwarranted fees. How much of that is coming out of your pocket?

Are you concerned about what is on your Credit Report?

You're not the only one. Congress continues to pass "consumer protection" laws, but they include provisions that require strict procedures be followed. If you are a busy working adult with a typical American lifestyle, you simply don't have the time or resources to research consumer credit law. This leaves the millions of Americans with potentially harmful errors on their credit reports helpless to do anything effective about it by themselves.

Adding to the complexity of consumer credit law is the drastic rise of identity theft. Consumers are simply not adequately protected from the costs of credit profiles corrupted by illegal or unauthorized use of credentials. Consumers are left with the responsibility of disputing these horrendous invasions of privacy to unresponsive credit bureaus while trying to navigate the legal pathways to save their good name. The cost of restoring a truthful credit profile stacks the deck against the American consumer.

We Make Credit Repair Fast, Easy and Effective for Our Clients.

This is where RMCA brings the power of consumer protection law to the average person. We are proficient at leveraging the protections in place that make the credit bureaus respond to you. We work with creditors and reporting bureaus to assure only accurate, verifiable information is in your profile. We check to make sure all the information is up to date and categorized correctly. We know credit reporting, we understand how the credit bureaus work and we use this knowledge to get the best results possible for you.

We study credit law so you don't have to. We have used this knowledge over and over again which also gave us experience, which we again use to help you. Everything we do is 100% legal, our company is founded by lawyers who wanted to take the costly practice of consumer law and make it affordable and accessible. Come join the tens of thousands of Americans already helped.

We at RMCA have effectively disputed every type of problem a credit report can have. Let us show you the difference RMCA can make for your credit today.

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