Creditelves works by taking the information you provide and generating custom letters to credit bureaus on your behalf. You simply print out the letters and mail them to the credit bureaus. It's that simple.

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Tag Archives: credit reporting agencies

Removing Charge Offs From Credit Report

If you’re not successful and the charge off remains on your account, it’s generally best to try and pay down the debt. Mortgage lenders, banks and car loan companies won’t give you a loan if you have an outstanding debt on your credit report. This can be problematic if you plan to make a sizeable purchase in the next 7 years. That’s why it’s always better to have a “charge off settled” or “charge off paid” entry on your report than just the charge off.
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Writing a Dispute Letter

If you find a mistake on your credit report, it can be pretty disheartening. Here your credit score is being affected by something you didn’t even do. However, with the billions and billions of consumers in this country, mistakes are bound to happen. So, how do you fix them? By writing a dispute letter to the credit bureau reporting the error.
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Three Credit Reporting Agencies

It seems as though no matter what publication you are reading, what television channel you are watching or what internet website you are visiting there are advertisements or articles about protecting and maintaining your credit report and credit history. There are three credit reporting agencies that monitor your credit score Experian, Equifax and TransUnion. With all these companies watching you, why not let Credit Elves.com help you with their proven methods of credit history repair.
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Bad Credit Repair Credit Restoration Kit Do It Yourself

If you’re among the millions of people who have bad or questionable credit, you may have recently realized it when you got a copy of your credit report from one or all three of the major credit reporting agencies. Looking over those sheets of paper can be daunting and depressing, and it might seem like an insurmountable task to get your credit repaired. But that’s exactly what you have to do if you want to make a major purchase such as a car or home. You need to get your credit straight simply to save yourself money if you already make payments on a mortgage, credit card or loan. The banks are charging you more than someone with excellent credit, because you are a bigger risk in their eyes. A history of late or non-payments to other creditors or utility companies may have caused your current lender to charge you the very highest interest and fees possible, just in case you don’t make good your load. Your peace of mind is greatly enhanced with just taking the steps of getting your credit report, and further peace comes when you start knocking those negative marks off your report, one by one.
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