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We've HELPED OVER 2,521 PEOPLE GET REAL GOOD CREDIT
Space is limited so it is a first come first serve basis. Start as soon as 24hrs. Please submit an application to see if you qualify.
*Applications Typically Responded To Within 24 Hours
What Sets Us Apart From Other Credit Repair Services
Real Good Credit (RGC) takes an in-depth approach to improving your credit, beginning with a thorough analysis of both your past and current situation. At RGC, our evaluations go far beyond typical credit repair services; instead we delve deep into every corner of your report in search of key areas where improvement and growth may lie.
Our knowledgeable credit experts then work closely with you to understand your credit goals, customizing a strategy that aligns with them.
Once your application has been received, one of our credit experts will reach out.
From there your credit repair expert will guide you through its intricacies, offering invaluable insights and strategies to quickly improve your score.
Our team is fully dedicated to your success, ensuring you have access to the necessary knowledge and tools for massive credit improvement.
Our Process
Detailed Credit Report Analysis
First, our team conducts a complete credit report analysis to identify any negative items impacting your score and create a custom
credit repair solution for you.
Factual Disputing
We then verify the correctness of the data on your credit report is known as factual disputing. Each negative item on it will be carefully examined by our credit experts, and any contradictions or discrepancies found will be challenged - often by writing letters directly to credit bureaus and collections agencies asking them to confirm the information stated there.
Metro2 Compliance
A collection of rules and specifications defining how credit information is provided to credit agencies are referred to as Metro2 compliance. Most credit repair companies miss this. However, our highly qualified team can ensure that your report is correct and up to date by using their considerable understanding of Metro2 compliance rules.
How Credit Repair Can Help You
We help you eliminate a variety of negative items in order to enhance your credit rating.
We can address a variety of credit factors that might be dragging down your credit score thanks to our tried-and-true techniques and unrelenting pursuit of credit excellence.
Here are just a few examples of the things we can assist you with:
Collections Removed
Repossessions Removed
Hard Inquiries Removed
Charge-offs Removed
Late Payments Removed
Foreclosure Removed
Student Loans Removed
Bankruptcies Removed
Personal Information Removed
Judgments Removed
Medical Bills Removed
Tax Liens Removed
You Also Get Access to Your Own Personalized Online Portal
You will have access to our private online credit repair portal as a client of Real Good Credit. A single location from which you can monitor your progress, check your credit reports, and get in touch with your personal account manager.
Customized Credit Restoration Plan PDF
Get your personalized credit repair plan PDF. This strategy is customized to your circumstances and provides a thorough overview of the activities we'll take to raise your credit score. We'll also provide you pointers on how to keep your credit in excellent standing in the future.
Get Monthly Updates On Your Progress
Maintaining accountability is essential to the credit restoration process. To demonstrate the progress we have achieved, we give you regular reports. These reports contain the most recent information on any disputes we've brought on your behalf and any alterations to your credit report. We work hard to keep you updated at every turn because we believe that being transparent is essential to establishing your confidence.
Your Dedicated Customer Success Team
Get first-rate customer service with our dedicated account managers, because we recognize that fixing your credit may be unpleasant and intimidating. Throughout the repair process, your account manager will be your primary point of contact and is accessible to answer any questions you may have.
How to Stop Contact from Collection Agencies Permanently
It may be difficult and irritating to deal with collecting agencies. Because of this, we notify our clients of how to permanently cease receiving calls from collectors. We'll help you comprehend your rights under the Fair Debt Collection Practices Act (FDCPA) and give you the resources you need to safeguard yourself against obnoxious collection calls.
How Our Credit Repair Service Has Helped Others
Our Best In-Class 90-Day Risk FREE Guarantee
We're so confident that you'll love our credit restoration services and that you will see a significant impact on your credit report that we decided to throw in a no-brainer guarantee!
If you do not see aggressive deletions of negative items on your report in 90-days we will issue you a 100% refund, no-haggle... GUARANTEED!
Here's What You Might Want To Know
FREQUENTLY ASKED QUESTIONS
Q: How long does positive and negative information stay on my credit report?
The Credit Bureaus would like you to believe that all information stays for 7-10 years, regardless of anything you do.
Good credit - 10 years or longer
Negative credit (late payments, collections, charge-offs, closed accounts, child supports, civil and small claim judgments, paid tax liens) - 7 years from the date paid
Chapter 7, 11 and 12 Bankruptcy - 10 years
Chapter 13 Bankruptcy - 7 years
Unpaid tax liens - 10 years
Inquiries - 2 years
However, the dispute process we use may DELETE THESE NEGATIVE ITEMS ALTOGETHER before this time.
If you had the choice to wait it out, or be pro-active and clean up your credit reports, which one would you choose?
Q: How long does it take to repair credit?
It all is dependent on the quantity of incorrect, out-of-date, false, or duplicate negative items on your credit reports. It also depends on the credit bureaus correctly performing their duties and abiding by the Fair Credit Reporting Act, a federal statute.
Typically, it takes between 45 and 60 days for all 3 credit bureaus to respond to a dispute round. If your creditors return all the necessary information to the credit bureaus promptly—which, by law, is no later than 30 days—the bureaus will be able to reply more quickly. But we provide a 100% money-back guarantee for deletions that last longer than 90 days.
Q: Can information be removed from my credit reports even if it belongs to me?
Any information on a credit report may be deleted, but this requires that there have been specific violations of the Fair Credit Reporting Act (FCRA), which are detailed in the law. The erasure of any accounts, including judgments, liens, collections, charge-offs, bankruptcies, and late payments that are wrong, misleading, outdated, or inaccurate will result from any violations of the numerous laws established to protect you, the consumer.
Q: Why do the credit bureaus make the process of credit restoration so difficult? Why would they benefit from not assisting the consumer?
The bureaus do not want you to be educated on:
- How to read your credit reports,
- Understand what certain details mean,
- What is a positive account,
- What is a negative account,
- What is a red flag and how it can hurt you,
- How to delete or correct duplicate,
- misleading, obsolete, or inaccurate items,
- How to add positive credit,
- How to delete unauthorized inquiries, addresses, employment information, etc.
Remember that the reason they are in business is to include both positive and negative information about you in their report.
The credit bureaus are paid by your creditors, collection companies, courts, or anyone else who is getting a hold of your credit report, with or without your consent! You must stand up for yourself!
Until you can demonstrate your innocence in this case, you are guilty.
Funny how the adage "You are innocent until proven guilty" has been flipped around. Who will do it for you if you don't check your credit reports for errors at least once a year? No one! Because the credit reporting organizations operate for and are compensated by the creditors, collection agencies, etc., rather than you, they are free to report any type of information about you.
Q: Can a collection agency harass me?
Legally, they cannot, so no. The Fair Debt Collection Practices Act outlines what a collection agency is permitted to do and is not permitted to do, as well as when they may call you. The Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Fair Credit Billing Act are credit protections that the majority of people are unaware of.
Q: How long do evictions stay on your record
The average time an eviction remains on your record is seven years. They may significantly harm your creditworthiness and ability to obtain accommodation during this period. It's vital to keep in mind, though, that credit counseling services could be able to help you challenge and delete false or unfair evictions from your credit report, thus enhancing your credit standing. So when it comes to how long does an eviction stay on your record... 7 years unless you work with a results driven credit counseling service who can help you rid you profile of any evictions.
Here are your rights under the Fair Debt Collection Practices Act:
- Debt collectors are only permitted to contact you once each day.
- Debt collectors may only get in touch with you from 8 am to 9 pm (your time).
- Right to Contest: You have the option to contest a debt if you think it is incorrect, lacking information, or that you are not obligated to pay it. Debt collectors are required to conduct an investigation and present you with any supporting documentation or evidence. They must stop trying to collect if they can't prove the debt.
- Verification of Debt: The debt collector is required to give you specific information, such as the amount owing and the identity of the original creditor, if you dispute a debt or ask for validation. They must give you a written response to your request within a reasonable amount of time.
- Debt collectors aren't allowed to imply or threaten to sue you, garnish your pay, or take any other legal action if they don't have the right to do so or have no plans to do so. If legal action is taken, they must adhere to the correct legal processes.
- Debt collectors are required to treat your personal information confidentially. They are not allowed to discuss your debt with unknown parties or make the public aware of it.
- Debt collectors could not inform you that they have the right to repossess your home or car.
- If debt collectors are aware that your employer disapproves, they may not approach you at work.
- Debt collectors are prohibited from making false accusations against you or using other deceptive tactics to recover debts.
- When calling you, debt collectors must introduce themselves.
- If you urge debt collectors to stop contacting you in writing, they must stop.
You have the right, under federal law, to request that the collection agencies stop calling or mailing you.
Sending them one of our particular documents, such as the "Do Not Call Letter," will allow you to use your right. A "Cease and Desist" letter is another type of letter that adopts a more forceful approach. In accordance with the rules of Public Law 95-109, Section 805-C of the Federal Fair Debt Collection Practices Act, you are informing the collection agency in this letter that they must Cease and Desist from trying to collect on an existing account.
Why You’ll Love Real Good Credit
Here What Customers Like You Have to Say About Us
Credit score went up 111 points... almost cried. Knew it was gonna feel good but wow....thanks ❤️❤️❤️
Takira P.
Great company to work with. The customer service is great too, very responsive. Thank you RGC crew for your integrity and commitment to results. Can't recommend you enough!
Mike J.
Totally helped me level up... got approved for $10,000 and even upgraded to a brand new Mercedes Benz!
Asia W.
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