Absolutely, and for many reasons. The obvious one being that a creditor has erroneously submitted it to a credit bureau. Many consumers' credit reports are incomplete and inaccurate. By law, Credit bureaus are obligated to remove erroneous account information in an expedient manner. Credit bureaus and even government officials employed by the federal trade commission want you to believe that it is not possible to delete bad credit from your credit report. We will do it legally and efficiently, in a manner in accordance with all the rules and regulations inherent upon our company.

AUTOMOBILE FINANCING:
It costs approximately eight thousand dollars ($8,000.00) to finance a twenty thousand dollar ($20,000.00) car over the course of five years.

HOME MORTGAGE
It also costs approximately one-hundred-thirty thousand dollars ($130,000.00) over the course of thirty years to finance just a $100,000.00 one-hundred thousand dollar home.

CREDIT CARDS
An individual with bad credit will not be able to obtain a prime credit card. There are a few credit cards available for individuals with bad credit, they are called sub-prime credit cards that usually come with exorbitant set-up fees, high interest rates and often require cash deposits. Most of these credit card issuers do not report your positive credit card activity to the credit bureaus.

It is possible but very unlikely. The way in which Mercedes Enterprises disputes and contests the procedure in which the original creditor used to go about submitting the account to the credit bureaus minimizes this possibility.

To a very limited extent. The best way to improve a person's credit rating is to remove the negative item from their credit profile.

Anyone can correct his or her own credit. Let's face it, many of us could represent ourselves in the court of law or file our own taxes as well, but we would rather hire lawyers and accountants. We offer a professional alternative to correcting your credit profile. Due in part to the fact that creditors and credit reporting agencies do not want to remove negative items from consumers profiles, they will use a variety of roadblocks and bureaucratic red tape to delay the process and elude the credit laws. We are all too familiar with these tactics and have developed the best known plan of action to make sure the creditors as well as the credit reporting agencies adhere to and abide by all the rules and regulations of the Fair Credit Reporting Act. It has been our experience and for many reasons that the majority of creditors and the credit reporting agencies themselves have had much difficulty following proper Federal procedure either in handling and/or submitting a negative account to be placed on a consumers credit profile.

Not recommended. Even if the decide not hire us, one of the worst ways to go about repairing your credit is to file disputes online. The credit bureaus want you to believe that the convenience itself will benefit you but that couldn't be further from the truth. It will save the credit bureaus money and will allow the creditor to just click one button to verify that their data is correct. Stay away from online disputes if you can.

Absolutely. Although we can't guarantee the removal of any specific item on your credit report, we have been successful at removing items of public record such as Bankruptcies and have done so for many of our past clients. This includes Tax liens whether Federal or State as well as Civil Judgments. These are all considered items of public record.