hello trulia im looking for someone that can assist me in removing charge off on my credit report and raise my scores within a few months

Asked by Clement Parker, Brooklyn, NY Thu Sep 13, 2012

Help the community by answering this question:

+ web reference
Web reference:


, ,
Wed Sep 19, 2012
From the Federal Trade Commission website (linked below for the full article):

"You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail, and maybe even calls offering credit repair services. They all make the same claims:

“Credit problems? No problem!”

“We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!”

“We can erase your bad credit — 100% guaranteed.”

“Create a new credit identity — legally.”

The Federal Trade Commission (FTC) says do yourself a favor and save some money, too. Don’t believe these claims: they’re very likely signs of a scam. Indeed, attorneys at the nation’s consumer protection agency say they’ve never seen a legitimate credit repair operation making those claims. The fact is there’s no quick fix for creditworthiness. You can improve your credit report legitimately, but it takes time, a conscious effort, and sticking to a personal debt repayment plan.

Recognizing a Credit Repair Scam
Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report so they can get a car loan, a home mortgage, insurance, or even a job once they pay them a fee for the service. The truth is, these companies can’t deliver an improved credit report for you using the tactics they promote. It’s illegal: No one can remove accurate negative information from your credit report. So after you pay them hundreds or thousands of dollars in fees, you’re left with the same credit report and someone else has your money.

If you see a credit repair offer, here’s how to tell if the company behind it is up to no good:

The company wants you to pay for credit repair services before they provide any services. Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised.
The company doesn’t tell you your rights and what you can do for yourself for free.
The company recommends that you do not contact any of the three major national credit reporting companies directly.
The company tells you they can get rid of most or all the negative credit information in your credit report, even if that information is accurate and current.
The company suggests that you try to invent a “new” credit identity — and then, a new credit report — by applying for an Employer Identification Number to use instead of your Social Security number.
The company advises you to dispute all the information in your credit report, regardless of its accuracy or timeliness.
If you follow illegal advice and commit fraud, you may find yourself in legal hot water, too: It’s a federal crime to lie on a loan or credit application, to misrepresent your Social Security number, and to obtain an Employer Identification Number from the Internal Revenue Service under false pretenses. You could be charged and prosecuted for mail or wire fraud if you use the mail, telephone, or Internet to apply for credit and provide false information.

Your Rights Regarding Credit Repair
No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Some people hire a company to investigate on their behalf, but anything a credit repair clinic can do legally, you can do for yourself at little or no cost. According to the Fair Credit Reporting Act (FCRA):

You’re entitled to a free report if a company takes “adverse action” against you, like denying your application for credit, insurance, or employment. You have to ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.
Each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. The three companies have a central website, a toll-free telephone number, and a mailing address for consumers to order the free annual credit reports the government entitles them to."

Trevor Curran
NMLS #40140
0 votes
Hi Trevor,

I left you a voicemail message some time ago asking that you stop telling people that what we do is illegal. IT is not.. We are licensed, bonded, registered with the state and on the Military AKO board. 95% of credit repair companies are scams, I will give you that, but we are not one of them. I feel you are doing a disservice to people making them feel like they do not have any legitimate options to repair their credit. If you do not refrain from misleading people I will have to report you to the authorities with Trulia and the Realtor board. I do not believe your job description includes giving false information to people or trying to discredit other companies from doing their business legally. It is unethical for you to discredit our company publicly. If you would like to have a conversation about this, please feel free to call me. Again, I will report you if you do not stop . Kelly
Flag Thu Sep 20, 2012
Kelly Ward, , Utah
Wed Sep 19, 2012
KNOW YOUR RIGHTS! Credit Restoration is Legal!!!

The Fair Credit Reporting Act states:

Consumer reporting companies must investigate the items you question within 30 days. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it is required to investigate, review the relevant information, and report the results back to the consumer reporting company. If this investigation reveals that the disputed information is inaccurate, the information provider has to notify the nationwide consumer reporting companies so they can correct it in your file.

When the investigation is complete, the consumer reporting company must give you the results in writing, too, and a free copy of your report if the dispute results in a change. If an item is changed or deleted, the consumer reporting company is not permitted to put the disputed information back in your file unless the information provider verifies that it is accurate and complete.

If they cannot verify the information to be accurate within 30 days, they can no longer report it to the credit bureaus. This is how we legally can investigate and remove items from credit reports. We achieve between 55 - 80% removal within 90-120 days.

Allied Credit Solutions
800 901-8122 ext 211
0 votes
, ,
Wed Sep 19, 2012
Good morning Clement,

If the chargeoff is a legitimate debt, not a mistake because it was never your account, then you CANNOT REMOVE this item from your credit report.

Only errors can be removed from credit reports. For instance, incorrect previous address, mis-spelled names, a credit account belonging to a family member with the same name (Senior versus Junior).

If you have a derogatory account---late payments, chargeoffs, collection accounts, judgments---and these were REALLY your account then they cannot be removed.

If a derogatory account is on your report as an error on the part of the creditor (you really paid the bill on time but the creditor reported incorrectly) then you can have that error removed.

If a derogatory account such as a chargeoff, collection account or judgment shows open/unpaid but you really paid it, then you can have your credit report updated to reflect the account as paid.

Any recent activity on a derogatory account can likely lower your credit score.

Beware of anyone offering to repair your credit; according to the FTC, these credit repair schemes are SCAMS.

Instead sit down with a Licensed Mortgage Banker and have your credit reviewed free of charge by a professional who can guide you according to proper and legal standards.

Trevor Curran
NMLS #40140
Mobile: 516-582-9181
Office: 516-829-2900
Fax: 516-829-2944
PowerHouse Solutions, Inc.
185 Great Neck Rd, Suite 240
Great Neck NY 11021
Licensed Mortgage Banker – NYS Dept. of Financial Services
0 votes
Robbie Vaughn, Agent, Mineola, NY
Sun Sep 16, 2012
You can do it yourself. See the link below. Good luck!
0 votes
Kelly Ward, , Utah
Thu Sep 13, 2012
Hi Clement,

That is exactly what we do at Allied Credit Solutions. Our program is 180 days maximum, and we offer a 100% money back guarantee. We are a Credit Service Organization, not credit repair, and we are licensed, bonded and registered with the State. We use the FCRA and your consumer rights to remove items from your credit report. We do not dispute, but go directly to your creditors to verify the validity of your accounts. We offer permanent removal of items that cannot be verified.

I can do a consultation at no cost to you. Check us out at http://www.alliedcreditsolutions.com and then give me a call.

Kelly Ward
National Account Rep
Allied Credit Solutions
800 901-8122 ext 211
0 votes
Sawandi Boyke, Agent, New York, NY
Thu Sep 13, 2012
Hey Clement, please email me at your earliest convenience. I have a professional that works with all of my company's offices. I refer all my clients with similar situations to him. My contact information is below. Talk to you soon.

Sawandi Boyke
Licensed Real Estate Salesperson
Rapid Realty Clinton Hill North
880 Bedford Avenue
Brooklyn, NY 11205
Cell: 347-678-4303
0 votes
Search Advice
Ask our community a question

Email me when…

Learn more