Rand Miller

Rand Miller

Credit Manager
E-mail

Personal service since 1989.

We repair bad credit, fix bad credit, and erase bad credit. We delete late payments and paid collections.

We also provide credit repair after Bankruptcy, Repossession, Divorce and Foreclosure.

Legal debt negotiation and settlement. Yes we negotiate debts collections, charge-offs, and judgments.

We improve credit rating scores [FICO, Fair Isaac, Beacon, and Empirica].

After your credit issues are resolved or neutralized, then we will advise you on how to re-establish your credit if needed.

We enjoy fixing bad credit, repairing bad credit and cleaning up bad credit. Call us today and let us help you regain an A+ credit rating again.

Frequently Asked Questions

I have been refused credit. Can I do something about it?

Yes. you can. Nearly 90% of Americans, just like you, have some "blemish" on their credit reports. Due to the nature of the credit reporting industry, those blemishes can be mistakenly included on your record. Frequently, credit reports contain outdated information, unverifiable negative items, or totally inaccurate entries. Under the law the credit reporting companies must remove such information. You should check your credit report and see why you were denied credit. We can help you remedy some and possibly all of your credit problems.

Are Credit Reporting Agencies "CRA's" a part of the government?

No. Credit reporting companies are non-government entities. They are in business to make money, just like the any other business. The credit reporting business is a multi-billion dollar industry. They generate their income by selling credit reports to creditors. In other words they make their money by selling your credit information to businesses who want to lend you money or credit.

Is it illegal or wrong to have your credit cleared?

No. It is not illegal or wrong to eliminate mistakes on your credit report. In fact the Federal government, under the "1970 Fair Credit Reporting Act, Section 1681e" protects your right to do so.

How does the credit reporting system work?

Today, the credit reporting system consists of millions of computer files which describe payment patterns and credit account history regarding individual consumers. There are three main agencies that dominate the credit industry, they are Experian, Trans Union, and Equifax. Each of these companies maintain a separate file on each consumer.

How can I get a copy of my credit report?

By enrolling in our credit cleaning program you will get a copy of your credit report from each of the three CRA's. The credit report that we provide you will also include your Credit Risk Score (FICO score).

Can I get a free copy of my credit report from a CRA?

Yes, Sometimes. There is no charge if a company takes adverse action against you, such as denying your application for credit, insurance or employment, and you request your report within 60 days of receiving the notice of the action. The notice will give you the name, address, and phone number of the CRA. In addition, you're entitled to one free report a year if you certify in writing that (1) you're unemployed and plan to look for a job within 60 days, (2) you're on welfare, or (3) your report is inaccurate because of fraud. Otherwise, each of the three CRA's may charge you up to $8.50 for a copy of your report.

Keep in mind, the CRA issued credit report will not include your Credit Risk Score (FICO score). It is important to know your three Credit Risk Scores because they typically determine whether you qualify for consumer and real estate financing.

We can provide you with a low cost comprehensive credit report that will include all three of your credit scores including your FICO score. The cost is only $15 for an individual and $19 for a married couple. Complete our Online Inquiry Form and get your credit report today.

How can I find out what my Credit Risk Score's are?

If you want to know your credit scores we will provide you with all three CRA credit reports including your three Credit Risk Scores. The cost $15 for an individual and $19 for a married couple. Complete our Online Inquiry Formand get your credit report today.

Even if you have not been denied credit, you may want to find out what information is in your credit report. Some financial advisors suggest that you review your credit report periodically for inaccuracies or omissions. This could be especially important if you're considering a major purchase, such as buying a home or a car. Checking in advance on the accuracy of the information in your credit report could speed the credit-granting process.

What information is contained in my personal credit file?

Credit files can contain personal information about you. This information typically falls into four different categories:

  1. Identification and employment information: Your name, birth date, Social Security number, employer, and spouse's name are routinely noted. The CRA also may provide information about your employment history, home ownership, income, and previous address, if a creditor requests this type of information.
  2. Payment history:Your accounts with different creditors are listed, showing how much credit has been extended and whether you've paid on time. Related events, such as referral of an overdue account to a collection agency, may also be noted.
  3. Inquiries: CRAs must maintain a record of all creditors who have asked for your credit history within the past year, and a record of those persons or businesses requesting your credit history for employment purposes for the past two years.
  4. Public record information: Events that are a matter of public record, such as bankruptcies, foreclosures, or tax liens, may appear in your report.

How does information about me get into my credit report?

Every time you apply for credit from a bank, store or finance company you complete an application either in writing, online or over the phone verbally. This information that you provide is added to your credit file with one or all of the three credit agencies. Typically the application that you complete authorizes the creditor (bank, store, finance company) to forward your information to one or all of the three credit agencies. Your information is then made available to other creditors who are interested in offering you credit. They pay to have a copy of your credit report, so they can see whether you will be a good credit risk. The creditor wants to verify whether you will pay them back according to the terms of their credit agreement.

How frequently is my credit reported to the credit agencies?

This depends on the creditor. The creditor could report your credit as frequently as every month, quarter, or year. It usually depends on how frequently you are required to make your payments.

Do all three credit agencies have identical files regarding my credit?

No. Creditors have to pay to work with each of the different credit agencies. Because of the cost involved, some creditors only report to to one or two credit agencies. National creditors typically report to all three credit agencies. Therefore, each credit agency typically has different information regarding your credit accounts and payment history. The three credit agencies maintain separate databases and typically do not share their information with each other.

Do the credit reporting agencies own the information on your credit report?

No. In fact you don't own the information either. The information is owned by the individual merchants or creditors who reported the information to the credit agencies.

Why should I care what is on my credit file?

You better care. It is your credit report that determines whether you are allowed credit from a creditor. Your credit report may also be used to determine if you get a certain government issued license or in some cases job. You may be refused a loan, credit line, state license, or even a job.

Who can request information regarding my credit file?

Under the Fair Credit Reporting Act, a credit reporting company may only disclose your credit report to any of the following who is:

  1. Granting credit, reviewing your credit account, or collecting on your account.
  2. Reviewing you for employment purposes.
  3. Reviewing your application for insurance.
  4. Reviewing your eligibility for a license or government related benefit.
  5. Providing information for a business transaction, such as renting an apartment, buying a franchise, etc.
  6. A court order.
  7. An IRS subpoena.
  8. Someone to whom you have given written permission.

Why do the credit reporting agencies have separate reports for husband and wife?

The credit reporting agencies collect information on individuals based on their social security number and name. That is why, for credit cleaning purposes, it is best to request separate credit reports per individual and per credit agency.     

How often are mistakes entered into my credit file?

Frequently! Some experts say that as many as 90% of all credit reports contain errors. That is inaccurate, erroneous, or obsolete information that can cost you the credit, job, or license you deserve.

Who will remove items from my credit file?

Only the credit reporting agencies have the power to remove items from your credit report. But, as required by law, the credit reporting agencies must delete inaccurate, erroneous, or obsolete information.

What is a FICO score?

The term FICO is an abbreviation for the phrase Fair Isaac Credit Score. Each credit agency has their own name for their credit risk score i.e.: Equifax = Beacon, Experian = FICO, TransUnion = Empirica.  The credit score system is a rating system which has a maximum score of 900, which is the best possible score to have.

What are the different classifications of the credit score?

Typically the scores are classified as follows: 619 or below is bad, 620 to 679 is less than good, 680 to 719 is good, and 720+ is excellent. The higher your score, the better your rate and financing terms. The lower your score, the more money you have to pay in finance costs and interest. Low scores can cost you thousands of dollars more per year.

How does the Credit score system work?

Credit scores are computer generated scores. Each credit agency maintains a high degree of secrecy as to the specifics of how the scores are calculated. The scores rate a persons credit in relation to any of the following:

  1. Proportion of balances to credit limits.
  2. Length of time accounts have been established.
  3. Excessive number of revolving accounts.
  4. Excessive number of accounts with balances.
  5. Number of recent inquiries.
  6. Delinquency of payments.
  7. Derogatory public record information.
  8. Collections, charge-off's, or judgment accounts .
  9. Number of accounts with delinquent payments.

Can this credit cleaning process improve my FICO score?

Yes. If late payments, collection accounts, charge-off items, or any other inaccurate information is removed, your credit score (FICO) will ultimately increase. In fact, we have witnessed many of our client's credit scores increase by as much as 100 points within 1 to 3 months.

How can I add positive (good) information to my credit report?

The Fair Credit Reporting Act does not require creditors to report information about you, because of this oversight many do not. That means some of your positive (good) credit information might not be reported. But, as long as the positive information is verified, it can be added to your credit file. Call or email us for further details.

How long will it take to have my credit cleaned?

It may take as little as 1 to 3 months to clean a persons credit file of blemishes. In some cases, depending on the severity of a persons credit it may take more time due to credit reporting agencies' continuing mistakes and delaying tactics.

Can I speed up the process by contacting the credit reporting agencies directly?

When enrolled in the credit cleaning program it is best to let us communicate with the agencies and creditors, so as not to cause conflicting communication.

Should I apply for credit while enrolled in the credit cleaning program?

It is not recommended to apply for credit until the credit cleaning process is complete. Each time you apply for credit, an inquiry is recorded on your credit record. Too many inquiries can lower your credit score, thus possibly causing you to be denied credit.

Does paying a past due debt remove the debt from my credit report?

Paying a collection or charge-off usually will not erase these items from your credit report, though they will after full payment be reported as a paid collection or paid charge-off. There are times that these accounts can be deleted from your credit report after full or even partial payoff. Call or email us for details.

How long can negative information stay on my credit report?

-When negative information in your report is accurate, only the passage of time can assure its removal. Accurate negative information generally can stay on your report for seven years. There are certain exceptions:

  1. Bankruptcy information may be reported for 10 years.
  2. Credit information reported in response to an application for a job with a salary of more than $75,000 has no time limit.
  3. Information about criminal convictions has no time limit.
  4. Credit information reported because of an application for more than $150,000 worth of credit or life insurance has no time limit.
  5. Default information concerning U.S. Government insured or guaranteed student loans can be reported for seven years after certain guarantor actions.
  6. Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.

How does the seven year reporting period work?

-There is a standard method for calculating the seven-year reporting period. Generally, the period runs from the date that the event took place.

With regard to any delinquent account placed for collection internally or by referral to a third-party debt collector, whichever is earlier charged to profit and loss, or subjected to any similar action, the seven-year period is calculated from the date of the delinquency that occurred immediately before the collection activity, charge to profit and loss, or similar action. For example, assume that your payments on a loan were late in January, but that you caught up in February. You were late again in May, but caught up in July. You were again late in September, but did not catch up before the account was turned over to a collection agency in December. You made no more payments on the account, and it is charged to profit and loss in July of the following year.

Under the FCRA, the January and May late payments each can be reported for seven years. The collection activity and the charge to profit and loss can be reported for seven years from the date of the September payment, which was the delinquency that occurred immediately before those activities.

We realize that you may have more questions, we look forward to answering your questions. Call or email us. By enrolling in the credit cleaning process we will inform you of all the details that pertain to the process. We look forward to helping you regain that A+ credit rating again, by putting your credit problems behind you. Call us today.

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Testimonials

More testimonials...

“I really like the way I was treated by everyone involved in your business, both on the phone and in person.”

L. McLaurin
Los Angeles, CA

“Thank you for helping... We appreciated your patience and persistence. We would be pleased to recommend you to others.”

S & B Nixon
Los Angeles, CA

“Already referred a friend. and will do so again when the opportunity arises.”

J. Hughes
Agoura Hills, CA

“This is to express my appreciation for the good work that was done... What appeared to be a ‘Lost Cause’ was brought to a successful conclusion, thanks to your tact, perseverance and resourcefulness. I would recommend you to anyone.”

R. Seifert,
Oakhurst, CA

Free Credit Review

Do you have a credit report, but frustrated with the credit problems that you see? Fax us your credit report. We will Review your credit for FREE!

Just fax your credit report to the below fax number and we will review your credit and respond with what we think we can do to improve your FICO scores and/or credit. Include your name, phone number & email on the over sheet, then fax to:

FAX 1:
(650) 475-5655
FAX 2:
(661) 244-4428