You have the right to dispute any information on your credit report that is incorrect, unjust, or unproven.

This covers a range of items such as collections, delinquent payments, charge-offs, legal claims, bankruptcy, vehicle seizures, and additional items that may be incorrect or outdated. You can challenge these items with the credit bureaus or your creditors to have them investigated and possibly removed from your credit report.

Furthermore, you have the right to remove any personal information held in public records that may be holding you back from opportunities in the credit world.

It is possible for your creditors to report an item on your credit report once again, even after it has been removed or deleted. It is crucial to communicate with both the credit bureaus and your creditors to ensure that any incorrect or unfair negative items are not re-introduced to your credit report. Taking these steps can improve the chances of maintaining an accurate and positive credit report.

If you purchase the Complete Credit Sweep from us, we will handle this for you free of any additional charge.

CreditCards.com and CNNMoney report that having just one negative item on your credit report may result in a decrease of more than 100 points in your credit score.

Late payments, debt settlements, foreclosures, bankruptcies, collections, and hard inquiries are among the negative items that may lead to credit score reductions.

Late payments can decrease your score by up to 110 points, while debt settlements may lower it by up to 125 points. Foreclosures and bankruptcies can decrease your score by up to 160 and 240 points, respectively. Collections and hard inquiries may lead to a decrease of up to 110 and 15 points, respectively.

Although there are several laws pertaining to credit, the Credit Repair Organizations Act (CROA) and Fair Credit Reporting Act (FCRA) are the two laws that we predominantly employ to remove inaccuracies from your credit report.

To be honest, it is impossible to predict how long it will take to improve your credit since each credit situation is unique. However, our previous clients have experienced an average credit score increase of 60 points in just two months*. However, our consulting service lasts for 6 months and we will work on your report for its entire duration. Additional information regarding the credit repair timeline will be provided upon your purchase of the service.

*Please note that individual results may vary and are not guaranteed.

Purchasing credit-building services from Dun & Bradstreet is not only unnecessary, but it may also be detrimental to your business. If you reach out to Dun & Bradstreet after obtaining your Aged Corporation, they will likely try to sell you Corporate Credit Building Services. Despite appearing beneficial initially, we believe these services are actually unhelpful and may harm your business because buying them could trigger an immediate audit of your corporate entity. During this audit, D&B may discover changes in ownership or other movements you have made with the corporate entity, which could reveal information you do not want to be exposed. It is not essential to buy anything from Dun & Bradstreet, even if their sales pitch is compelling.

Purchasing credit-building services from Dun & Bradstreet is not only unnecessary, but it may also be detrimental to your business. If you reach out to Dun & Bradstreet after obtaining your Aged Corporation, they will likely try to sell you Corporate Credit Building Services. Despite appearing beneficial initially, we believe these services are actually unhelpful and may harm your business because buying them could trigger an immediate audit of your corporate entity. During this audit, D&B may discover changes in ownership or other movements you have made with the corporate entity, which could reveal information you do not want to be exposed. It is not essential to buy anything from Dun & Bradstreet, even if their sales pitch is compelling.

The primary difference between S-Corporations and C-Corporations is that S-Corps are Flow-Through Entities, which means they are not taxed in the State of Incorporation as C-Corps are, and the Net Income is passed through to the Shareholders and taxed at their Personal Income Tax Rate. For most of our clients, S-Corps are preferred as being taxed as a C-Corp in the State of Incorporation leads to additional expenses and complexities that distract from the primary objective of establishing Corporate Credit. If an S-Corp is the best fit for your business, we can help you file IRS Form 2553 to elect S-Corporation Status, which is a simple process that can be completed in one day.

Shelf corporations do not include tax returns and the EIN number (Tax ID) is not assigned until the client purchases the Shelf Corp. This is due to several reasons: First, EIN numbers are not sequential and it is impossible to determine when an EIN number was issued by simply looking at the number. Second, an EIN number must be assigned to a “Responsible Party”, which cannot be the incorporator of hundreds or thousands of entities at the same time. Third, assigning an EIN number to a corporate entity requires it to file tax returns each year and pay some amount of tax, even if the income is $0. This would increase the costs of each Shelf Corp and result in higher prices for clients. Fourth, Shelf Corps with EIN numbers and filed yearly $0 tax returns may have difficulty obtaining stated income financing, as the returns have already been filed with $0 income. If different income is stated on funding applications, it may result in bank fraud charges.