Your Privacy
Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested.

Google Adsense and the DoubleClick DART Cookie
Google, as a third party advertisement vendor, uses cookies to serve ads on this site. The use of DART cookies by Google enables them to serve adverts to visitors that are based on their visits to this website as well as other sites on the internet.

To opt out of the DART cookies you may visit the Google ad and content network privacy policy at the following url http://www.google.com/privacy_ads.html Tracking of users through the DART cookie mechanisms are subject to Google’s own privacy policies.

Other Third Party ad servers or ad networks may also use cookies to track users activities on this website to measure advertisement effectiveness and other reasons that will be provided in their own privacy policies, Credit Repair New York has no access or control over these cookies that may be used by third party advertisers.

Collection of Personal Information
When visiting Credit Repair New York, the IP address used to access the site will be logged along with the dates and times of access. This information is purely used to analyze trends, administer the site, track users movement and gather broad demographic information for internal use. Most importantly, any recorded IP addresses are not linked to personally identifiable information.

Links to third party Websites
We have included links on this site for your use and reference. We are not responsible for the privacy policies on these websites. You should be aware that the privacy policies of these sites may differ from our own.

Changes to this Privacy Statement
The contents of this statement may be altered at any time, at our discretion.

If you have any questions regarding the privacy policy of Credit Repair New York then you may contact us at damon@thecreditprosintl.com

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Our Services

We raise your credit score by removing negative items from your credit report while giving you sound advice on what you can do to raise your score on your own. We average a 60-100 point FICO score increase in three to six months. Substantial results usually start in as little as 35 days.

Our state of the art web based software system allows you to keep track of the progress of your file 24/7. In fact, every time a change is made to your account, we email you to let you know. You are always involved.

Our Pricing

Since we work on a case by case basis, please call us for our lowest custom quote. Raising you score a mere 20 points can save you hundreds of thousands of dollars over the life of a home loan. We average 60-100 points.

Money Back Guarantee

We will refund 100 percent of your money if we do not remove at least 25 percent of the negatives we work on from all three major credit bureaus within 6 months from when you sign up.

Our Past Success Rates

Just a 20 point FICO increase can mean the difference of tens of thousands of dollars in interest paid over the life of an average priced home. We, and our associates, have a proven track record of raising FICO scores quickly and effectively to give our clients better purchasing power.

Average FICO score increase in 6 months: 60-100 points

Score increase in 35 days

10 points or more 93%
20 points or more 71%
50 points or more 20%
100 points or more 10%

Score increase in 90 days:

10 points or more 97%
20 points or more 82%
50 points or more 35%
100 points or more 20%

There are too many factors that make up the credit score, so it is impossible to give you an accurate prediction of how much your score will increase. Since we do not know for sure which inaccurate items we are going to get removed, it is nothing more than a guess for us to tell our client how much their score will increase.

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Who is New York Credit Repair

New York Credit Repair is a national credit restoration company that works with clients and creditors to raise credit scores. New York Credit Repair is Trained and Certified as Credit Experts.

What We Do

We understand the unforeseen can happen. We believe everyone deserves a second chance and our credit experts are here to help you. We can raise your credit score an average of 60 to 100 points.

New York Credit Repair works with you on devising an action plan for things you can do to improve your credit score. We educate you every step of the way so you know how you can continue to manage your credit long after your time with us.

During this entire process, you are able to login to your file 24/7 to view recent activity, messages from our staff, and to see what negative items have been removed from your report. The most important part is that everything we do to raise your score is 100% legal. We NEVER had an unsatisfied client.

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CREDIT REPAIR NEW YORK: BAD CREDIT FIXERS

Credit Repair New York  is a credit repair company located in NY. We provide credit repair services to clients nationwide with an emphasis on New York and the surrounding NY areas. Credit Repair New York offers a free consultation with a trained credit repair specialist for any of your credit repair work. Our credit consultants in New York, NY are standing by to assist you with your credit related issues including identity theft, student loans, debt settlement and the removal of inaccurate negative remarks on your credit report such as late payments, judgments, bankruptcy and collection accounts.

Your credit score is the most important three-digit number in your life. We offer credit and financial consulting and work to raise your credit score so you can recover and save thousands to hundreds of thousands on your mortgage, credit cards, auto loan, car insurance and more. By fixing errors on your credit report you will be eligible for better interest rates  because of your improved credit score.Credit Repair New York is the #1 Credit Repair Restoration company in New York, NY. We work with the three major credit bureaus directly; Experian, Equifax & Transunion. We offer a FREE Consultation with a 100% money-back guarantee.

Credit Repair New York works with you on devising an action plan for things you can do to improve your credit score. We educate you every step of the way so you know how you can continue to manage your credit long after your time with us.

During this entire process, you are able to login to your file 24/7 to view recent activity, messages from our staff, and to see what negative items have been removed from your report. The most important part is that everything we do to raise your score is 100% legal. We NEVER had an unsatisfied client.

With an average credit score increase of 60-100 points, our clients have the opportunity to save hundreds of thousands on their mortgage, credit card bills or even their car insurance. Credit Repair New York is New York, NY’s #1 trusted Credit Repair Company.

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Credit Resources – New York Credit Repair

AnnualCreditReport.com

Federal Law mandates that your credit report be made available to you freely on an annual basis. The three credit bureaus, Experian, Equifax and TransUnion all make your annual reports available at https://www.annualcreditreport.com/cra/index.jsp. You are able to get one free report at a time, but keep in mind your other reports most likely will be reporting data the one you recieved don’t.

MyFICO.com

Your credit report and your credit score are different. FairIsaac Corp developed the FICO score, the most commonly used credit score. The FICO score is a number between 350 and 850 that predicted how likely you are to become 90 days late on a loan. You can purchase your FICO score for all three credit bureaus, or just for one, at http://www.myfico.com.

Fair Credit Reporting Act

As credit scores became more and more important to the everyday person’s life, it became apparent that some laws governing the credit bureaus were needed. The Fair Credit Reporting Act (FCRA) is the law that governs the credit bureaus and protects consumers.

Equifax, TransUnion and Experian

The credit bureaus have a lot of helpful information on their sites about credit, and the ability to purchase reports if you have already recieved your free report for the year.

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Credit Repair New York is a Professional Credit Repair Company located in New York, NY. We specialize in correcting/removing inaccurate or unverifiable negative information from credit reports with experian, equifax and transunion. We serve all boroughs of NY including Bronx, Queens, Staten Island, Manhattan as well as Long Island’s Suffolk and Nassau counties.

Call today for a free consultation (904) 685-8971

CreditRepairNew York.net

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Credit Repair New York – Credit Score Basics

What is a Credit Score?

The majority of people understand the basics, like how failing to make a payment will cause your score to go down, but there are a number of complexities that trip up the average consumer. If you pay your debts on time, don’t carry too much debt on any one card, don’t close older accounts unless absolutely necessary and only apply for new credit when you have to you will generally be in good shape. However, it is important to keep yourself informed so you can maintain a credit score that accurately reflects your consumer status.

Lenders use your credit report in order to judge your reliability as a loan candidate. Your credit report indicates your ability to handle debt responsibly and will help banks decide if you are a desirable loan customer. A high credit score can help you lock in low APR rates or secure special deals on loans. A bad credit report may prevent you from securing loans and can damage your ability to buy a car, open a credit card or rent a home. A history of inability to manage your credit successfully will make lenders uncomfortable about trusting you with additional funds in the future.

You are entitled to a free copy of your credit report once a year, an offer you should take advantage of. When you do receive your credit report, check to ensure the figures are accurate and act quickly to correct any mistakes. This may include any clerical errors, identity theft issues or incorrect information. If your credit score is low, you should begin working on a financial rehabilitation plan, either on your own or with a certified debt counselor, to begin correcting your bad debt habits.

What Makes Up a Credit Score?

Your credit score is determined by an algorithm developed by the Fair Issue Corporation (hence its other name of FICO score). Three corporations, called “credit bureaus”, specialize in collecting and reporting on financial histories. Those three companies are Equifax, Experian and TransUnion. While, the exact formula used to calculate your credit score is a tightly guarded industry secret, these companies provide general guidelines about financial behavior that can affect your credit score.

Payment History

Thirty-five percent of your credit score is made up by your payment history. This includes late payments, collections, and even bankruptcies and tax liens. Each type of account will stay on your credit report a specified period of time and each type of derogatory will hurt your score differently. Credit Repair New York works to remove accounts that are not 100% accurate OR not 100% verifiable. Our removal rate is around 70%.

Debt Ratio

Your debt ratio is the amount of revolving credit (i.e. credit cards) you owe in relation to the amount of credit you have available. For instance, if your credit limit is $10,000 and your current balance is $2,000, your debt ratio would be 20%. While, ideally, you would have your debt ratio at 0%, we usually recommend you are at least at 30% or lower.

Length of Credit

Your length of credit is how long you have had credit. At face value, this seems like something you couldn’t really do anything to fix. However, there are ways you can hurt yourself here. If you close out your older cards, even if they have higher interest rates, it will hurt your score. The credit scoring model has no memory or credit cards you close: if you close out that fifteen year old card you will get no credit for it!

Types of Credit

Types of credit include revolving, installment and mortgage loans. By having different kinds of credit open, you show creditors that you are responsible and able to handle different kinds of responsibilities.

Inquiries

Inquiries are marked on your credit report when you ask for new credit (i.e. when you apply for a home loan). Inquiries made by yourself or for unsolicited offers do not count against your score, but are shown on your report. It is important to note than when searching for a home you are allowed unlimited inquiries over a 45 day period since it is assumed you are rate shopping.

Credit Education is a post from: Credit Repair New York

How a Low Credit Score Can Cost You

A low credit score hurts your ability to get loans, and raises the cost of credit when you can get it. Credit scores are also used for insurance rates, renting and even employment.

A poor credit score can cost you hundreds of thousands of dollars over your life. Enter in a FICO score and a Loan Principal below to see how much a poor FICO score can cost you on just your mortgage. If you are a home owner or looking to buy, raising your FICO score is the most important thing for you to do. A better score not only means lower payments, but can mean a bigger house, the chance to take out more money on a re-fi, or even the difference between being able to buy.

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Who Refers to Us

We get referrals from anyone who works with clients who need a higher credit score. Mortgage and auto professionals use us to make their borrowers more highly qualified, real estate professionals use us to help their client afford a better home and get a higher commission and lawyers use us to help their bankruptcy and divorce clients.

Why Refer to Us

• Get higher commissions when your clients can afford to borrow more
• Market yourself as the person who can get the best rates
• Approve clients that couldn’t be approved before
• Get more referrals for yourself by serving your clients to the fullest

AND it is easy to keep track of all the referrals you send to us. We keep you up to date with automatic account status emails, and 24/7 internet access to all your files.

How Do I Refer Business

1. Call one of our representatives

Call us and speak to a member of our staff about how we can help your clients. This call is free and you will receive invaluable information.

2. Send us your client’s credit report

With permission, send us your client’s credit report and we will go over what we can do for them. In the future, you can just have your client contact us directly. You can be as involved as you wish.

3. Get email updates

You will receive email updates regarding the status of your client’s account. You can also login to view your client’s account at anytime, 24/7.

4. Get a higher qualified borrower back

Scores should begin to improve within 35 days.

5. Make more money by closing more deals and getting more referrals

Be able to tell your clients you can get them the best rates and market yourself as the expert.

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