The timing always sucks.
You’ve been going along for two or three years, minding your own business, taking care of yourself and your family, living your life. Then a change comes; you decide you need a new car, or your family is expanding and you need a bigger home, or you’ve changed jobs and have to buy a new home in another state.
The strange part? The part you didn’t expect after you’ve put the gears in motion? You’re getting denied credit or being offered ridiculously high interest rates. It doesn’t make any sense. You pay your bills on time. At some point in your detective work you decide to pull your credit report, only to find it says you have a credit card you’ve never heard of, and/or late payments on accounts you’re positive you’ve never paid late. And that medical collection from ten years ago? You paid it ten years ago.
Finding out you have inaccurate information on your credit report – and it’s keeping you from getting what you need – can feel like a punch to the gut. Typical emotions when this happens range from overtly hostile to justifiable homicide. Something as important as this should be remedied with a couple phone calls. Unfortunately, this isn’t the case. It never is. So, the car you needed to replace your old one, or the new home you found and fell in love with, cannot be purchased until your credit report and credit score reflect the truth. And that takes time.
This is one of the biggest obstacles to using a credit repair company to help you maximize your credit score. By the time you’ve found out your credit score is low due to inaccuracies on your credit report, you’re typically sitting at the Finance Desk at the auto dealership, or sitting in the office of a mortgage broker after finding the perfect house. Many balk at the idea of using a service that will take at least a month to fix your credit. Why? Because every business who reports to one of the three major credit bureaus – Equifax, Experian, and TransUnion – send their information once a month. The process of credit repair is a time consuming one. In a society used to getting what they want in less than 30 seconds, hearing the process will take longer than a week often sends away those who need the service the most.
Even if you can’t buy the car that day, or make an offer on that particular house, doesn’t mean you should forgo cleaning up the negative information on your report – the information bringing your credit score down. The Bradburn Group is one of the best at expediting your credit optimization in the most streamlined way possible. It won’t be overnight, but you will see a rise in your score if you make the choice to work with us. It’s never too late to repair your credit.