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About Us

A Different Approach to Credit Repair

Credit Repair companies typically lack a multi-faceted approach to credit restoration. The average credit repair company will only address the negative items on a consumers credit report without taking a holistic approach to credit restoration. However, here at ECR, we realize that only addressing the negative items on a consumers credit report is an inadequate means to improving credit scores. For example, derogatory information like collection accounts that have reported for more than 24 months can actually become a part of the credit scoring process. If you delete negative items without re-establishing new credit, then one's credit scores can actually decrease as opposed to increasing.

This is the very reason that we have developed a multi-dimensional approach that addresses all areas affecting the credit scoring algorithm. Our software includes a comprehensive credit analysis and our knowledgeable staff of experts will give advice regarding decreasing balances, establishing new credit and other valuable information. There are many myths regarding the credit disputing process; however, this is our area of expertise. The truth is that it's not what is reported to the credit bureaus, but rather how it was reported. The Federal Fair Credit Reporting Act states that there are over 300 laws that a creditor must follow before reporting positive or negative information to the credit bureaus against any consumer. The Federal Trade Commission can actually penalize a creditor for up to $1,000 per misreported trade-line. There are three credit bureaus, so the fine can actually be up to $3,000 per misreported trade-line. Failure to do so is a violation of the FFCRA; therefore, if a violation has been committed, then the information reported to the credit bureaus MUST be deleted without exception.

Our tenured staff of credit underwriters have done extensive research and our experts in this area, as it relates to a consumers rights under federal law. We have the ability to hold the credit bureaus and creditors accountable to the laws that protect the American consumer. If an item is inaccurately reported or reported in violation on your credit report, then it must come off. If a creditor fails to remove a debt found to be in violation, then we have the ability to levy a class action lawsuit against the creditor. No other credit repair organization can say the same. Once an item has been found to be a violation of the FFCRA and is deleted, then it can not be re-sold to another collection agency nor can it be re-reported. Many creditors, especially collection agencies will illegally update the date of last activity on a derogatory account and we will protect you against this tactic as well. Other creditors are leaving the account in a dispute status to negatively affect lending decisions rendered to prospective applicants. ECR is the only company that uses the FTC laws to combat this issue. Rest easy knowing that all you have to do is simply turn over the "heavy lifting" to us for the most part; however, we need your help in identifying items on your credit report that you feel are inaccurate or in violation. We will dispute each and every negative account on your credit report automatically and electronically. After that we will count on you to update us regarding any written correspondence that you receive from the credit bureau. Additionally, many American consumers are mislead to believe that there is nothing that can be done to change the inaccurate information on their credit reports. Fortunately, this is not true. You have protection under the federal law that gives you the right to have errantly reported information on your credit reports corrected. In the end, you are ultimately responsible for assuring that your credit reports accurately represent your behavior as a consumer.

The Fair Credit Reporting Act (FFCRA) gives you the right to contact credit bureaus directly and dispute items on your credit reports. You can dispute any and all items that are inaccurate, untimely, misleading, biased, incomplete or unverifiable (questionable items). If the bureaus cannot verify that the information on their reports is indeed correct, then those items must be deleted. However, this process is difficult and time consuming. If one submits a written dispute, the creditors have 30 days to verify the accuracy of the information reported, as opposed to only 5 days through our electronic disputing process. Disputing inaccurate items on your credit report can be arduous and cumbersome. This is why many consumers give up before they ever see any results. They may not have properly educated themselves or do not take time to learn the consumer protection rights created to protect them. Their efforts for credit justice will then remain futile, laborious and unfruitful. ECR has the staff, knowledge and experience to help you address any derogatory credit history. We stand alone as the trusted advisor in credit restoration because of our passion for our clients' success and dedication as an advocate for the consumer. This fact in partnership with our experience and tenure in the credit repair industry, have led to amazing results that have been a true benefit to our clients.

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