Repair Your Credit!
See fast improvement to your credit score
Decrease your auto insurance rates
Lower interest rates on home mortgages
Why My Credit Focus?
The attorneys at My Credit Focus have helped over 160,000 clients over the past ten years repair their credit! Whatever your credit issues may be, reach out to our friendly and experienced lawyers now.
Successful Credit Repairs!
How We Repair Your Credit:
Our attorneys will carefully review your credit report for any item that is inaccurate, misleading, incomplete, and/or unverifiable in any way.
After we discover your areas of improvement or the disputes available on your credit report, your personal Case Advisor will fight for you.
By implementing audits and enforcing federal laws and acts of Congress, the lawyers at My Credit Focus will start to free you of low credit scores.
After the bureaus respond to our disputes, you will start to see improvement in your credit score. Timeframe depends on the number of negative items filed.
Not only do we fight for you to improve your credit score, we also set up a credit management system so you can keep track of your progress online.
Enjoy Better Credit
From lower auto insurance rates to a decrease in the interest rates on home mortgages, you can start enjoying the many benefits of a better credit score.
Happy Client Testimonials
"I found mycreditfocus.com after a friend told me about them. We were able to get started right away and have my credit repaired quickly."− Natasha L.
"I was able to buy a house after just 6 months of working with mycreditfocus.com. A dream come true!"− Sally B.
"Joe was able to improve my credit score by 90 points in what seemed like no time. I drive a new car now and have my bills in line."− George M.
"I lost my job in 2009 and it messed up my credit pretty bad. The staff at MyCreditFocus.com helped me get back on track. They really took the time to explain everything to me as they were doing it. Thanks for the help, guys!!"− Robert R.
"I spent over 6 months fighting with the different credit reporting agencies over errors THEY made on my report and still couldn’t get things resolved. I called MyCreditFocus.com and they were able to fix the errors quickly and effectively. I wish I would have called them first, before trying the DIY approach. Would have saved me time and money in the long run."− James L.
"These guys were upfront and honest with me about what they could and couldn’t do regarding my credit report. I also like the fact that I have an attorney working my file here. So far they have done a great job and I am seeing a big improvement in my score."− John C.
Frequently Asked Questions
Why do I need your service?
Inaccurate information or a single negative item on your credit reports can lower your credit FICO score with all three major credit bureaus. Low FICO scores can affect your chances to obtain lower interest rates for home mortgages and auto loans. It also will increase your auto insurance rates and affect your ability to obtain employment. MyCreditFocus.com has been very successful in the past with removing negative credit items. Although you can attempt to do this yourself, many individuals have found that it becomes very frustrating and time consuming when they do not achieve the results that we can provide. The fact is that the credit bureaus may choose to ignore your attempts or choose not to re-investigate the negative items at all.
Are you a licensed company?
Yes, in most states the law requires that you be licensed.
How do I know my personal information is safe?
Any personal information that you submit to MyCreditFocus.com has the fiduciary duty to protect your information. Not only are we ethically and morally bound, our license also requires it. We will not disclose, resell, or allow your personal information to be viewed by anyone.
How long does it take to improve my credit?
The bureaus must respond in 30 days of the dispute. Within the first 60 days you will start to see improvement in your credit report. Depending on the number of negative items appearing on your credit reports will determine the duration of time that services will be needed.
Can I apply for credit while my credit is under repair?
No, do not apply for any new credit because it will interfere with the process of restoring your credit and void our guarantee.
How often should I expect to get mail from the credit bureaus?
You will receive updated credit reports about every 2-3 weeks until your account is completed. As items are disputed, the bureaus will forward correspondence directly to you regarding the progress of the disputes.
When I receive my credit reports/correspondence, what should I do with them?
Send the original reports to MyCreditFocus.com and make copies for your records.
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The Proven System That Helps Fix Your Credit Score
Allow us to guide you on how to fix your credit score! The truth of the matter is that you don’t have to live with a bad credit score that is going to invite high-interest rates. The credit experts at mycreditfocus.com are who you need to take command of your credit. We have experience in credit repair, years of knowledge, and the technology required to put a good plan into action.
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Our experts will immediately pull up your credit reports once you sign up with us. After that, the next step is organizing your report in a way that it will be easy to identify items you are looking to change or challenge. This will let us know where we should focus our efforts on building a highly customized game plan to fit your personal needs and goals.
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More than any other area, this is where you need an expert by your side. Our experts would directly communicate with the credit agencies to assist them to fulfill their responsibilities toward our client’s personal financial situation. After which, we will then communicate back to the credit bureaus to confirm if all changes have been implemented. We have been in this industry for long, and we know how to protect you.
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It may seem impossible, but we can help you repair the damage by showing you what you can do to get a better credit score. My Credit Focus is dedicating to offer long term solutions that will secure your financial success for a long time to come. Through our services, you will learn how to build user-friendly systems, which will help you avoid low credit scores ever again.
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Frequent Asked Questions
How long will it take to see the results I’m looking for?
This is a quite frequently asked question: what is the time frame I am looking at? In fact, the answer to this question is it will depend on your current financial situation, future goals, and how much work is needed to fix your bad credit score. This is why our clients highly rate our services. At MyCreditFocus.Com, we focus on your individual situation and build a highly customized personal game plan for you. Our experts will use your personalized Game Plan to focus only on what matters most for you.
What happens if your negative items are accurate and true?
Some people may be worried about whether everything negative on their credit report is accurate. Could credit repair still work if that’s the case? Well, the fact is that you have an opportunity for growth as well as changes, more than you think. The reason is actually quite simple. Every single day critical information is sold by your creditors about you. This is the information that can have a very large impact on your life, from home payments, car payments, employment etc. You want to make sure that what is being shared is fair about you, that it is highly accurate and that it doesn’t paint you in an incorrect manner. There is a lot to be said about the importance of having up-to-date credit information. This is another area the MyCreditFocus.com professionals come in. They will assess every aspect of your credit report and intervene where necessary to make sure your information is accurately reported, especially as you work to make improvements. There is a lot the process could help you with, why not check it out? You might be surprised at how much can be done to help you.
Why is credit repair significant?
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The fact is that credit does affect all aspects of life. When you have a bad credit score, it can affect many areas of your life such as;
(1) Loan applications
Lenders check credit ratings to consider new customers. If you have low credit, your borrowing power is very low and you are considered high risk. As of late, because of the economy, automotive lenders and mortgage companies have more restrictions than ever when it comes to issuing loans. An average borrower will be required to have much more, this can include a substantial down payment and a credit score that is at least 720 if not higher. If your score is lower than 700, you might run into problems.
2. Interest Rates
It is a known fact that interest rates heavily rely on credit scores, and it is determined after calculating risk in your report. For example, if the credit report shows late payments, collections, bankruptcy, and so on, then the higher the interest rate will be. Once you begin making improvements, you can expect to start receiving offers with lower interest rates.
3) Insurance Premiums
Insurance is all about risk mitigation. In fact, a good credit report will result in lower insurance premiums. Providers look carefully at your past with finances to indicate how much risk you might have throughout other aspects of your life. A low credit score equates a high-risk behavior.
It is now a requirement from many employers to run a credit check prior to hiring a new employee. The reason being that – the job market is competitive, and it’s used to gauge responsibility. A bad credit report will make you look bad, it will make you seem careless, disorganized and despite your other high qualifications, it can result in you not being hired.
Having employment, good insurance premiums, low interest rates and favorable loan terms all equal up to one thing; savings. A good credit score means an abundance of opportunities. If you are not constantly spending money on your debt, you can set that cash aside and put it into a savings account for your future.
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