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Obtain a credit analysis in November, you just have to schedule a free consultation with our credit repair experts to determine what factors affect your credit history and accomplish to Buy a House before May, 2025.

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Credit Repair Service in Paisley, Lake, Oregon 97636

If having bad credit is not helping you meet your financial goals and you are in Paisley, Oregon 97636 let us help you. Our credit repair company is committed to helping the residents of Lake, Oregon getting positive results in the first 90 days of service.

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City: Paisley
County: Lake
State: Oregon
Zip Code: 97636

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Why choose Us as your Credit Repair Company ?

Experienced Professionals

Our credit experts have a deep understanding of credit laws, regulations, and best practices to ensure effective and ethical credit repair services.

Proven Results

Over the years, we have helped numerous clients restore their credit scores and achieve financial success. We are proud of the positive impact we've made on our clients' lives.

Personalized Approach

We recognize that each individual's credit situation is unique. That's why we tailor our solutions to address your specific needs and goals.

Customer Support

Our dedicated support team is always available to answer your questions and provide updates on your credit repair progress.

Top Rated Credit Repair Services in 2024

At Credfixx, we are committed to empowering our clients to take control of their credit scores. We believe that everyone deserves a second chance and the opportunity to achieve their financial dreams. Our mission is to provide personalized credit repair solutions that are tailored to your unique circumstances and goals.


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A Credit Repair Company you can trust

Credfixx is a trusted and reputable credit repair company with years of experience in helping individuals just like you overcome credit obstacles and rebuild their creditworthiness. Our team of credit experts, financial consultants, and dedicated professionals are here to assist you every step of the way.


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Questions and answers about

Credit Repair

Do you need more information about our credit repair services? Check out our frequently asked questions for everything you need to know about the credit repair process.

A Credit Consultation is a general analysis on your credit report 3-in-1 that includes the three main credit bureaus (Equifax, Experian and TransUnion). Every credit inquiry or every time they pull your Credit (as it is popularly described) it can affect the credit score depending on whether it is a soft inquiry or a hard inquiry (Soft pull or Hard pull).

Soft pull, sometimes known as a soft credit check or soft credit pull, does not affect your credit score, when someone authorized (such as a potential employer) checks the credit report. They can also occur when a business, such as a credit card issuer or mortgage lender, checks credit to pre-approve it for an offer.

When applying for a new line of credit, such as a credit card or loan, a hard inquiry, or "hard pull", occurs (Hard pull). It means that a creditor has requested to analyze your credit file to determine how much risk you have as a borrower. Hard inquiries appear on your credit report for two years and affect your credit score by approximately two to five points per inquiry.

It is very important that before authorizing an inquiry on your credit, you verify if you will have a soft inquiry or a hard inquiry in the credit report to determine if it's worth a negative mark on your credit history. To carry out the credit analysis, it is necessary to obtain credit monitoring, which reflects a soft credit inquiry, therefore it does not affect credit score; After this a credit specialist performs a complete credit analysis to verify negative accounts in the credit report such as: repossessions, Bankruptcies, late payments, foreclosures, debts, credit inquiries, etc.

By identifying the negative elements and inaccuracies in the credit report, we will be able to determine the credit objectives. From there, we provide recommendations based on the credit profile and create a strategy to reach the credit goal. In addition, the initial credit analysis will determine if the client is a candidate for credit restoration, after making a detailed audit of your credit reports, the process of disputing the negative, inaccurate, unverified and/or questionable accounts.
The credit audit or better known as credit analysis is a comprehensive analysis of the credit profile, broken down to understand it easily and processed in segments.

To break down the credit report we must import it into our credit repair and financial education platform to view in detail the negative elements in the credit history, after verifying all aspects of the credit profile, we determine our plan to increase the credit score.

The credit audit includes a complete description of each element in the client's credit report, our company checks each negative or positive element in the credit history and then removes the negative elements from the credit profile, some of the negative elements in a credit report can be: Foreclosures, collections, debts, late payments, repossessions, tax liens, hard inquiries, etc.

In the credit analysis the client has the opportunity to identify inaccuracies within the credit report; in addition to our credit analysts explain how we handle disputes to make credit repair successful and achieve positive results in the shortest possible time.

In addition to making disputes to remove negative accounts in the credit report, our company assists with positive lines of credit if necessary, this helps the credit score to increase quickly and safely to achieve the financial goal that the client longs for.
The credit analysis or credit audit is a totally free service, the client must provide us with his credit monitoring which it is the same credit history and it is obtained through a credit monitoring company that must be compatible with our platform of credit repair and financial education.

To obtain a free credit analysis, you only need to have active credit monitoring, we offer the list of credit monitoring companies that work with our credit repair and financial education platform so you can view the customer's credit history and perform successful credit analysis.

The credit audit or credit analysis is the first step for a successful credit repair, since through this We identify negative items on the credit report to begin the dispute process.
Credit monitoring is vital to successful credit repair, as in each credit update cycle you can notice changes in the credit report.

Thanks to credit monitoring, it is possible to visualize the changes in the credit history with each of the three main credit bureaus (Equifax, Experian and Transunion), which allows you to know what is the next step to follow to achieve that financial goal that so longs for our client.

To obtain a credit monitoring account you must access the website of the credit monitoring company, this is a process totally individual since it requires the social security number and answer some credit security questions; After accessing the complete credit history of the person can be viewed how many negative accounts, debts, repossessions, bankruptcies, inquiries, late payments, financial mortgages, etc. contains such credit history. In short, a complete and detailed credit report with all credit accounts.

If credit monitoring is not active, it is impossible to detect credit changes in the customer's credit history, so that in order to view the client's credit report it is necessary to maintain active credit monitoring, without a credit monitoring account. The credit report cannot be accessed, so the client cannot be assisted by our credit repair and financial education company.
Credit restoration is a team effort, the client needs to meet all the requirements of the credit repair program in order to increase the credit score in the shortest possible time.

After performing the initial credit analysis and identifying the negative accounts in the credit report such as: Bankruptcies, late payments, inquiries, repossessions, foreclosures, bankruptcies, debts and any other negative element that affects the history of credit dispute letters are sent to the credit bureaus with information on the negative elements in the credit report.

Disputing the negative elements of the credit report begins the verification cycle with the credit bureaus (Equifax, Experian and Transunion) where a credit investigation is opened which helps the client to start seeing positive results in their report credit within the first 90 days of service.

If no positive changes are reported on the credit report within the first 90 days of service, our restoration company of credit and financial education will return all the money paid to the client.

The credit repair process is a delicate process, since we try to eliminate as many negative elements as possible: Bankruptcies, late payments, inquiries, repossessions, foreclosures, bankruptcies, debts, other negative elements in the credit history, etc. In the shortest time possible, most of our clients complete the credit repair and financial counseling program in a average time of 6 months; Other customers with more negative items may take a year or more for credit restoration.
According to the law that regulates Credit Repair and Financial Education, the client has three days after the initial registration to cancel the credit counseling and credit restoration service. After the 3 days of initial enrollment in the service of credit repair , you must give 30 days advance written notice by the 1st of the month or before the next billing date.

It must be taken into account that when our credit restoration services are canceled, the credit monitoring continues to be active, to cancel the credit monitoring account the client must contact the credit monitoring company directly; If the client is interested in checking for changes in their credit and their detailed credit history, we suggest to leave credit monitoring active.
We send credit dispute letters to remove inaccurate, unverified and questionable accounts with credit bureaus, collection agencies and the original creditors. Helping the client build a solid credit profile and providing financial education throughout the process of credit restoration.

Each client has 24/7 access to their credit portal where they get credit updates on the credit restoration process and financial education, whenever a negative element is removed from the credit history such as: Bankruptcy, late payment, consultation, auto repossession, foreclosure, bankruptcies, debts or any other negative item in credit history can be seen directly in the client portal just like when a positive account is added to the credit report.

As part of the credit repair process we know that the client usually has credit and financial doubts which can be clarified via the customer portal.
Credit restoration and financial advice are very delicate credit processes in which you must have patience, our company of credit repair and financial education makes sure to update the financial analyzes month after month providing the client with advice credit and obtaining new changes in the credit history.

By applying these credit methods with good financial advice, it is possible to improve the credit score accompanied by the goal desired credit; In addition to assisting our clients obtaining positive lines of credit such as: credit cards, personal loans, secured cards, debit cards, etc which help with credit restoration to achieve fast and secure credit approval.

We help thousands of people with credit restoration by providing financial advice and disputing negative accounts with creditors, collection agencies and major credit bureaus (Equifax, Experian, Transunion); Our credit reputation in the market already distinguishes us that we strive every day to increase the credit score of our clients and remove as many negative accounts as possible from the credit report in this way we can restore credit and the client can achieve their financial goal in the shortest possible time.
Our credit repair and financial counseling program aims to start providing positive results from first credit update where the credit history is updated through credit monitoring every 35 days.

Each credit dispute made to the credit bureaus (Equifax, Experian and Transunion) must be answered within 30 days since it is the time that credit bureaus have by law to respond to credit disputes; The inaccuracies, the negative elements, debts, collections, late payments, inquiries, repossessions and any other negative element in the credit report that cannot be verified within the time established by law must be removed from the customer's credit history.

At the time of the credit update that is carried out through credit monitoring, changes can be seen in the client’s credit report. The credit repair and financial education contract states that if the client does not begin to see positive credit changes. In your first 90 days of credit restoration services, our company is required to return all money paid.
The credit update or credit monitoring is nothing more than the customer's credit analysis verified periodically within order to obtain credit report updates; To carry out the credit update it is necessary to have active credit monitoring, since through this all credit changes in the credit history are identified. In addition, credit monitoring helps identify any attempted credit identity theft and verifies credit inquiries made to a credit file.

Through the credit update or credit follow-up, the increase in the credit score is visualized and strategies are drawn credit to achieve the financial goal that is so much wanted to be achieved; In addition, new credit strategies are determined to achieve the boosting credit to steam therefore upgrading credit is critical to a successful credit restoration.
The credit score is made up of 5 factors that by staying in good condition, financial stability is achieved in the credit report.

35% Payment History
30% Amount Due
15% Duration in credit history
10% Types of Credit
10% Amount of Credit Inquiries

Payment history: Refers to payments made on time, this influences the credit report since every time they are paid debts on time 35% of credit score remains in good standing; Paying bills on time keeps credit stable and if credit is low the chances of increasing credit with a good payment history are many.

You have to keep in mind that if you cannot pay debts on time, such as credit card debts, it is advisable to resort to a personal loan since this is not reflected in the credit report and the interests of the personal loan are much lower than those of the credit card credit, if the payment problem is not a credit card, it is advisable to contact the financial institution or bank that owns the card debt and make a payment agreement as long as the account is not in collection.

Lenders are very careful when granting credit, they need to ensure that accounts are paid on time, therefore the credit history category consisting of payments made on time on credit accounts is the most important part of calculating the credit score.

Amount Due: High balances hurt your credit score, so keep your credit report in good standing with the amount due you must maintain a balance of less than 30% of the available credit limit. This shows the creditor or bank creditworthiness and that the person is financially organized with her debts.

A simple credit trick to keep credit cards below 30% without having to take money out of your pocket is contact the financial institution or bank responsible for the credit card and request a credit limit increase in this way the debt as a percentage will be lower even though the debt is the same monetarily, in this way the credit will not be affected when the amount owed going to exceed 30% of the credit limit.

Example: If the credit limit is $1,000 dollars and the credit card debt is $500 in credit percentage, 50% is due.

If the bank or financial institution increases the credit limit to $2,000 and the credit debt will remain the same $500 in credit percentage the debt will be 25% which will increase the credit score without paying a dollar.

Length of credit history: To obtain a good credit score, the length of time credit accounts have been used, the older the lines of credit the better.

Old credit cards with little credit use are regularly canceled by the client to avoid the annuities, also do not have sufficient credit movements. To achieve credit restoration and credit score increase cash old credit cards should not be canceled as they are positive credit accounts and in case of eliminating these credit lines old credit accounts would be removed from the credit history.

Types of credit: refers to the number of open credit accounts and credit inquiries, to have a successful credit profile It is necessary to have a variety of types of loans and debts such as credit cards, debit cards, car loans, student loans, mortgages and any other type of positive line of credit that can be added to the credit report.

Having diversity in credit history shows lenders and banks that handling different payments at the same time is not a problem since the debts are covered on time.

Number of Credit Inquiries: Having a large number of credit inquiries on the credit report makes the applicant an unattractive factor for the financial institution which is requested credit.

The more credit inquiries there are on the credit report, the lower the probability of being approved for a credit loan since for banks or lenders it means a greater risk because they consider that the credit loan applicant is a person financially unstable and more likely to fall into debt.
Yes they can. Negative accounts that have been removed from the credit report may later reappear on the credit report if they are verified by a creditor. According to the Fair Credit Act, the credit bureau must inform before re-reporting a negative account previously deleted. The Fair Credit Act makes it difficult for negative accounts previously removed from your credit history to reappear, so it is very rare that this happens. If this happens, we continue to dispute that account's credit history until it is removed from the credit bureau and if we are unsuccessful in removing the negative account from the credit report the money will be refunded to the customer.

Our credit restoration and financial education company sends credit verification letters to the credit bureaus to avoid items removed from the credit report are reinserted by the credit bureaus, so when the credit restoration process completed the chances of having credit issues due to negative items reinserted on the credit report will be very few or none.
Removal of any credit account from credit reports does not remove the debt obligation. You are still legally responsible for the debt and must pay it off if it is within the statute of limitations on your credit status. If you feel that the debt exceeds you, bankruptcy could be something to consider, it is a legal way to eliminate financial responsibility of the debt.
The Fair Credit Act gives you the right to dispute any erroneous credit counts on your credit report. The reporting agencies of the Consumers are required to correct or remove any inaccurate, incomplete, or unverifiable information within 30 days of the credit dispute.

Our credit restoration and financial education company sends dispute letters to the credit bureaus where the verification, correction or removal of negative items on the credit report and if the negative items cannot be verified within the 30 day cycle they must be legally removed from the credit report.

To carry out a successful credit dispute, the documents must be duly organized and completed; So the credit bureaus they can open a credit investigation the moment they receive our credit dispute and we can begin to achieve positive results from the first cycle of the credit dispute with the credit bureaus.
Credit repair is the best option to achieve the financial goal you are looking for in a short time, because if you wait that the negative accounts be removed from the credit report due to their long time in the credit bureau you will have to wait many years and the worst thing is that it ensures that the credit score goes up.

Our credit restoration and financial education company has managed to help thousands of families with their financial goals removing negative elements from credit bureaus such as: late payments, bankruptcies, car replacements, foreclosures, debts, collections and any other negative element that affects the credit report.

In addition, we assist our clients by adding positive credit lines if necessary in their credit report, in this way. We achieve guaranteed credit approval by accompanying the client to achieve the credit goal that they so desire.
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