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  • ASJ Consulting Services

Credit Restoration


Credit repair is a process of fixing inaccurate remarks on each of your credit bureaus that could negatively affect your credit score and credit worthiness. Ensuring that the information reporting on your credit profile is accurate is extremely important in having and maintaining healthy credit. Your credit score is calculated from the information contained on your credit reports. Negative information can result in a lower score, which usually means higher interest rates on credit cards and loans that could cost you a lot of money in the long run. Most remarks on your credit report remain for 7-10 years. But this does not mean that you can’t fix your credit and potentially lift your score before then.

As a consumer there are Laws that protect you and require that the credit reporting agencies must report 100% accurate information.

Inaccurate credit reporting plagues many consumers. Statistics shows that 1 out of 5 consumers had credit report errors that could affect their credit score. These errors can be caused by anything from simple typos to identity theft. Whatever the source, mistakes in a credit report can have devastating effects on a consumer's ability to access their credit.

Luckily, we can help you monitor and fix the data that is reporting on your credit reports.

There’s a lot of businesses that are claiming to do credit repair, and while others are providing services that can assist consumers, the actual results of their accomplishment may be questioned. If you are going to hire a person or company to assist you with identifying these errors and repairing your credit, make sure that they use the “factual dispute method”.

Remember repairing your credit is something you can do yourself as well. There is plenty of information online and in stores where you can learn the laws that protect you and you use those laws to make sure the furnishers are doing their job in reporting accurate information. If you find the process to stressful or complex you may want to consider a professional to assist you on your behalf.


Everyone is entitled to a free credit reports every 12 months (1 year) from credit reporting bureaus. If you’ve been denied credit after receiving your annual report, you are entitled to another copy for free.

A good credit repair company or yourself if you are doing it alone would want to first pull your credit reports from each of the three major credit bureaus; Equifax, Experian and TransUnion in order to spot your credit issues.

Why do we need to get all three? Because each credit reporting agency has its own “data furnisher” (aka lenders, credit card companies, debt collectors, etc.), that data furnisher reports your credit information to the credit bureaus. And there may be errors that appear on one of your credit reports, but don’t appear on the others.

Once you have all three reports you will look through it closely and make sure everything is reporting accurately. This includes addresses, phone numbers, employment details, open dates, charge off dates, balances ect.

Once you identify the outdated and/or inaccurate information you would contact each bureau in writing asking them to update or remove said items. It will take approx. 45 days to get a response from the bureau regarding each of your requests, depending on the outcome would determine your next step.


It is important to us that we not only help you to achieve your credit worthiness goals, but also to help educate you on credit and budgeting so that you don’t fall into the same troubles later.

We will provide you educational and budget materials and offer you additional services to assist you with your budget so you can continue to maintain healthy credit and spending habits.

We can assist you in rebuilding your credit and make suggestions as to how to increase your score (there are several factors in achieving a high credit score that go beyond just having beyond having what is already there report accurately).


• Outdated information

• Incorrect account numbers

• Accounts that have been re-aged

• Incorrect opening date

• Incorrect credit limit

• Credit card account not reporting the credit limit

• Incorrect account type

• Charge off account showing currently showing past due

• Open charge off accounts

• Accounts not include it in your bankruptcy, chapter 7 and chapter 13

• Collection accounts with a credit limit

• Closed accounts reported as open

• You are reported as the owner of the account when you are actually just an authorized user

• Accounts that are incorrectly reported as late or delinquent

• Incorrect date of last payment, date opened, or date of first delinquency

• Same debt listed more than once possibly with different names

• Your name misspelled, wrong date of birth, incorrect addressed

• Your file merging or identity mixed up your name may be similar or the same of another person

• Re-insertion of incorrect information after it was corrected

• Accounts that appear multiple times with different creditors listed especially in the case of delinquent accounts or accounts in collections

• Reinsertion of incorrect information after it was corrected

• Incorrect accounts resulting from identity theft

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