Online Credit Repair Software
If you are looking for online debt solutions,AVAIL online credit repair software is a powerful program giving you 24-7 access on a secure server
. Powerful and effective, AVAIL online clean credit software will provide you with a credit report analysis that is second to none.
Online credit repair software has been around for several years, but only recently have the credit reporting agencies given consumers access to the
same information lenders see. This does not mean you can manipulate the credit file, but you can view in an easy to read format, all the information
affecting your credit scores. Call it a tri merge report, but it is really a consolidation of all three reports from the major credit reporting
bureau's. Experian, transunion and Equifax all gather financial information on consumer spending and bill paying habits.
Very few of the agencies are allowed access and some provide consumers with the ability to also see their credit reports along with scores. With
proprieoritoty software, consumers are afforded the opportunity to see what is holding them back as far as credit is concerned. Uncovering errors and
writing dispute letters are other features common with this software.
You might think having these capabilities in the credit repair area would be expensive, but for only $199, a temporary discounted price, the AVAIL
Credit Coach does all of this plus more. Play the "what if" scenerio if you expect to have extra money and can pay down debt every month. The software
tells you exactly what to pay as well as alerting you to how many points you will gain in your credit report by following the reccomendations. As I
mentioned, the reports cannot be changed, but the paticular accounts uncovered as erroneous can be disputed with the click of a button. The software
writes and addresses the dispute letter to the appropiate credit bureau and you simply have to sign and mail.
It is suggested that all dispute letters be sent by USPS, Certified Mail, Return Receipt. The reason for this is because the credit bureau's have
thirty days to verify the accounts in dispute. The way they do this is by contacting the lender or reporting institution and asking them to check
their records to ensure that the account is accurate. If, within about 30 days, this does not happen, the credit reporting bureau must delete the
information from your credit file. By having a signed receipt of when the bureau received your dispute letter, you know when the clock starts. You
might imagine that with millions of requests, the agencies will not be able to get everything done according to the terms of the Fair Credit Reporting
Act. It is in your favor to keep the pressure on by not allowing more than 30 days to lapse.
Some of the ways the bureau's buy more time is to make sure you include proper identification with your dispute letter. Also according to law, the
bureau will be fined if they provide your credit report information to anybody but you or your assigned agent. This is why you should always include a
copy of your drivers license, social security card and a copy of a utility bill showing your name and address. If you do not send this information
with your dispute letter, the process will be stopped and the thirty day statute also stops. You will get a letter from the reporting agency asking
you to supply the personal information for validation purposes.
It's hard to believe that any satisfactory credit repais has ever been accomplished without an online software. Waiting for the credit bureau's to
send reports in the mail seems like pre historic methods for credit repair. Also, I am just not comfortable looking for addresses and trying to deal
with credit bureaus. I would much rather log on to a secure server, get my own password and start my own credit monitoring and repair. I love the idea
of having 24-7 access and I also love the automatic writing of a dispute letter.
by: robert ludrige
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