Need To Overcome Late Payments?

Late payments happen to almost everyone. Sometimes we will forget about a bill or a financial emergency will arise beyond our control. When you have a late payment post to your credit report it will reduce your credit score. If the late payment persists, it will virtually destroy your credit rating.

But just because you have had late payments does not mean that you have to suffer the effect of them indefinitely. Specialized Credit Repair deletes thousands of late payments from credit reports each month.

Not only are we successful in removing erroneous late payments but we are experts in getting various other erroneous, unverifiable and negative items removed from your report. Whether you have collections, charge offs, bankruptcies, judgments or foreclosure, Specialized Credit Repair is here for you.

How We Do It.

Once you complete your enrollment into the Score Surge program, you will receive a user name and password to access your online account. Your online account will show you all active credit items that appear on your credit report. You will be able to view the credit items that are being disputed directly with the credit bureaus, and you will be able to track the results of those disputes online.

The process for Credit Disputes:

1. We identify which credit items are in need of correction, and dispute those items directly with each applicable credit bureau. The bureaus then have 30 days to complete their investigation.
2. Once the credit bureau has completed their investigation of each particular credit item, they will send a letter directly to you advising you of the results of their investigation.
3. You then forward all correspondence you receive from the credit bureaus to us. We then update your account and move forward on your case. Due to the fact that each credit bureau and creditor reacts differently to investigations, it often takes several investigations to thoroughly update your credit profile.

The process for Credit Optimization:

1. The Score Surge program identifies the items on your credit report that could potentially offer you a higher credit rating.
2. Once these items are identified, they are detailed in the recommendations portion of your online account. Here we offer you a simple checklist of what you can do to optimize each of your individual credit line items.
3. Provided you follow the recommendations, you will see that your credit will improve drastically.