Get a Comprehensive Professional To Understand Your Credit.
WHAT IS INCLUDED IN THE CREDIT AUDIT ?
It's All In The Details
We dig into the details of your credit report, looking for any questionable items that may be negatively affecting your credit scores. These might be obvious items, like delinquent accounts and collections, or seemingly insignificant details, like incorrect dates of last activity. There are dozens of details and items of information that must be 100% correct and verifiable according to the FCRA. We check each of these to ensure you get the credit you’re entitled to by law.
Plan of Action
We work closely with you to plan actionable steps you can take right now, depending on your unique circumstances. With Ebony Credit , we customize your credit repair experience.
While some public records may not be included in bureau credit reports, lenders can still check for them. We check the same records lenders do and dispute any questionable public records.
Our Credit Audit also examines ways you can improve your credit now. One of these is your credit-to-debt ratio. We can help you get new credit and pay down your most harmful debts.
Your personal details do not have a direct effect on your credit scores. However, having a large number of former addresses or aka’s can still impact your creditworthiness and reputation.
“Hard” inquiries remain on your credit report for up to two years and can have a cumulative effect on your credit scores. We look for inquiries that may be unauthorized or inaccurate.
We check every detail of each negative account for omissions or possible errors and inaccuracies. Any questionable detail required by Federal law provides cause for dispute.