We hope you can find everything you need. S.Foreman & Associates, Inc. is focused on providing high-quality service and customer satisfaction - we will do everything we can to meet your expectations.

 

 

 

There are two acts, the FCRA (Fair Credit Reporting Act) which was recently revised into the Fair and Accurate Credit Transactions Act (FACT Act), and the FDCPA (Fair Debts Collections Practices Act).  These two acts were set up to protect your credit rights.  Sounds like legal stuff right? Don't worry, they're simple to understand. What they basically do for you is hold your creditors and credit bureaus responsible—legally.  Which means every claim against your credit they have to back up, and prove—which is a beautiful thing.

 

Because here's where it gets good.

 

By now, I'm sure you know you want to fix your credit. Here's how we do it without letters: 

 

Because of those two acts, anyone can get a copy of their three credit reports. We pull  a copy of your report when you sign up. We will go through the negative items and work to get as many of them legally removed as possible. Things like late payments, outdated or inaccurate information, judgments, collections...the usual.  Basically all the things that home lenders, credit departments, and so on look at when they decide whether to give you that car, home loan, credit card, or interest rate you want. 

 

 

Any information on your credit report that contains inaccurate and negative information is noted, and then it will be removed. We go directly through the credit reporting agencies who then informs the credit institution who placed the negative item on your report to remove it. We demand written confirmation of the deletion and a copy is sent to us from the reporting agency.

 

Let me give you an example.

 

Let's say your credit report shows you have late payments on your credit card 3 months in a row back in 2008.  We'll dispute your visa or master card company asking for proof of this.  The fact is, either they'll not respond with the right evidence because they have no record of the item, or not bother with our dispute at all. Then just like that, the 3 months of late payments, according to your credit record, never even happened.  By law it has to come off your credit record.

 

The same works for collections, chargeoffs, etc.

 

You would be amazed at how many times the companies don't even get back to us.  Think about it, you've got millions of people you have to keep track of, then you get a notice asking you to prove an event from 2008 about one of your millions of customers.  Companies don't have time for that and they definitely don't have the staff for it.  We know, we've been doing this for over 6 years.  And even if we don't get it off your record in the first dispute, we'll send another one, and another. It's like releasing a highly trained swat team on your creditors.

 

 

With a variety of offerings to choose from, we're sure you'll be happy working with us. Look around our website and if you have any comments or questions, please feel free to contact us.