Licensed. Bonded. Reliable.
Understand your reports, challenge negative items, and move forward with personal guidance at every step.
No pressure. Clear answers. A plan built for you.
No matter where you are today, we’re here to help you understand your options, take positive action, and move toward your goals with confidence.
Support | Education | Real Results
Charm City Credit Service understands living with bad credit can be discouraging, frustrating, shameful, and just no fun. We want to learn about your situation and help make it right. Isn’t it time to have your credit work FOR you, not against you? We have established proven credit repair methods that get results for our clients. We’ve made client satisfaction and service our top priorities. We will work diligently to have inaccurate, misleading, and unverifiable items on your credit report removed and will be relentless in the fight. Because negative items will remain on your credit report for 7-10 years, many people find it impossible to recover from bad credit. Fortunately, we offer a legal, moral, and ethical credit repair service to help people escape from “credit prison” and enter into the financial world again.
As a consumer you have the right to dispute anything on your credit. There are a few qualifying variables that must be met in order for negative information to remain. We will go to bat for you against the Fair Credit Reporting Act to make sure these variables are met. Quite often one or a combination of, are not, and according to the FCRA these items must be removed.
Through our Credit Restoration Program, we help you strategically add positive credit and manage existing open accounts. This is done to positively impact 100% of the FICO scoring model that is focused on configuration, debt ratio, length, and applications of open accounts.
We have identified banks, credit unions, companies, and creditors that will offer credit to those with low scores. We’ll also help you apply for new credit, and then track and manage your new and pre-existing open accounts.
We listen, learn your goals, and examine your credit profile.
We challenge inaccurate, misleading, or unverifiable reporting.
We share practical education to support healthier credit habits.
The most commonly used credit scores are those created by Fair Isaac Corporation, better known as FICO. Interestingly enough, Fair Isaac Corporation still preserves the mystery of how a FICO Score is truly calculated by never actually revealing the secret of their formula.
Even if the secret was known, and there was a blanketed FICO Scoring Model, they reserve the right to make amendments without any notice. This leaves most consumers completely baffled about their credit and how it works.
The fact of the matter is, FICO does not produce the scores. FICO created the software that is used by Equifax, Experian, and TransUnion to produce scores. In turn, it is the credit bureaus that manipulate the FICO software by inputting their data into the FICO formula to produce their desired results. Fortunately for consumers, FICO has disclosed a general outline of what information is used and how it is weighted.
Get the guidance, support, and clarity you deserve from a team that’s invested in your success.
