LAMB ENTERPRISES, LLC.

IS CREDIT REPAIR LEGAL?

YES, CREDIT REPAIR IS LEGAL AND OUR CREDIT EDUCATION AND DOCUMENT PROCESSING SERVICES WILL HELP YOU TO USE THE LAW IN YOUR FAVOR.

THAT LAW IS CALLED "THE FAIR CREDIT REPORTING ACT." THE FCRA GIVES YOU THE RIGHT TO DISPUTE ANY ITEM ON YOUR CREDIT REPORT.

IF THAT ITEM CANNOT BE VERIFIED WITHIN A REASONABLE TIME (USUALLY 30 DAYS) IT MUST BE REMOVED. STUDIES HAVE SHOWN THAT 79% OF ALL CREDIT REPORTS CONTAIN ERRORS. THIS IS NEARLY 8 OUT OF 10 REPORTS.

THEREFORE, MOST CREDIT REPORTS IMPROVE IMMEDIATELY. FOR ITEMS THAT DISPUTED THAT ARE NOT ERRORS, A CREDITOR OR DATA FURNISHER IS OFTEN UNABLE TO FIND THE RECORDS OR SIGNED DOCUMENTS WITHIN THE ALLOTTED TIME AND THE ITEM GETS REMOVED.

SOMETIMES THE DATA FURNISHER WILL SAY IT HAS BEEN VERIFIED BY NOT OFFER PROOF.

IT IS OUR JOB TO PREPARE DOCUMENTS THAT CHALLENGE THIS, AND WE ARE VERY SKILLED AT THAT.

CREDIT REPAIR, IS IT WORTH MY TIME MONEY?

CONTRARY TO WHAT CREDIT BUREAUS WANT YOU TO BELIEVE, CREDIT REPAIR DOES WORK IN MOST CIRCUMSTANCES. BUT IT ONLY WORKS IF YOU ARE GETTING THE BEST ADVICE FROM AN EXPERIENCED PROFESSIONAL.

ANYONE WITH A CREDIT SCORE BELOW 720 CAN BENEFIT LONG-TERM FROM THE ADVICE AND INFORMATION PROVIDED THROUGH OUR CREDIT EDUCATION.

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HOWEVER, THERE ARE LIMITING FACTORS THAT WILL PREVENT US FROM HELPING YOU.  TWO MAIN FACTORS ARE: (1) YOUR FINANCIAL SITUATION AND/OR (2) THE TIME FRAME IN WHICH YOU NEED TO REACH YOUR RESULTS.

IT IS POSSIBLE TO REMOVE ANYTHING FROM A CREDIT REPORT, EVEN ACCURATE ITEMS. FOR INSTANCE, IF THE CREDITOR MAKES MISTAKES OR DOES NOT ADHERE TO THE SPECIFIC TIME FRAME, THE NEGATIVE ITEM MAY BE REMOVED.

​WHAT CAN I EXPECT WHEN I ENROLL INTO YOUR CREDIT RE-BUILDING PROGRAM?

WE WILL GUIDE YOU THROUGH THE PROCESS FROM START TO FINISH AND PREPARE ALL YOUR DOCUMENTS FOR YOU.

WE HAVE A SUPERB KNOWLEDGE OF CREDIT SCORING AND EXPERIENCE WORKING WITH CREDITORS AND CREDIT BUREAUS.

IT MAY BE DIFFICULT FOR AN INDIVIDUAL TO COMMUNICATE WITH CREDITORS AND BUREAUS WITHOUT AN ADEPT UNDERSTANDING OF THEIR TECHNIQUES AND REGULATIONS IN PLACE FOR CREDIT REPORTING.

WE HAVE SPENT A GREAT DEAL OF TIME LEARNING THE LAWS THAT WILL HELP YOU TO REMOVE NEGATIVE INFORMATION ON YOUR REPORT, WHICH ENABLES US TO OFFER YOU A FLAWLESS, MONEY-BACK GUARANTEE SYSTEM.

IN ADDITION TO STARTING THE CREDIT RE-BUILDING PROGRAM ,WHAT CAN I DO TO HELP RAISE MY CREDIT SCORE?

PAY ALL OF YOUR BILLS ON TIME, EVERY TIME. THIS INCLUDES YOUR UTILITY BILLS, MORTGAGE AND AUTO PAYMENTS, AND ALL OF YOUR REVOLVING LINES OF CREDIT LIKE CREDIT CARDS.

CHECK YOUR CREDIT REPORT AT LEAST ONCE A YEAR. YOU CAN FIND OUT HOW TO CHALLENGE BAD INFORMATION ON YOUR CREDIT REPORT HERE.

NEVER CHARGE MORE THAN 30% OF THE AVAILABLE BALANCE ON ANY OF YOUR CREDIT CARDS. BANKS LIKE TO SEE A NICE RECORD OF ON-TIME PAYMENTS, AND SEVERAL CREDIT CARDS THAT ARE NOT MAXED-OUT.

IF YOU ARE CARRYING HIGH BALANCES ON YOUR CREDIT CARDS, THEN MAKE PAYING THEM DOWN BELOW 30% A PRIORITY.

DO USE YOUR CREDIT CARDS – MANY PEOPLE WHO MAKE MISTAKES WITH THEIR CREDIT BELIEVE THAT THE BEST WAY TO FIX THINGS IS TO NEVER USE CREDIT AGAIN.

IF YOU ARE AFRAID THAT YOU CANNOT HANDLE YOUR CREDIT CARDS CORRECTLY, THEN THE BEST POLICY IS PROBABLY THIS ONE: RUN ONLY YOUR UTILITY BILLS ON YOUR CREDIT CARDS EACH MONTH, AND THEN PAY THE BALANCE IN FULL BY THE DUE DATE. THIS ENSURES THAT YOUR UTILITY BILLS GET PAID ON TIME AUTOMATICALLY, AND AS LONG AS YOU KEEP THE HABIT OF PAYING OFF YOUR CREDIT CARD BALANCE EACH MONTH, YOUR SCORE WILL CONTINUE TO GO UP.

LEAVE THE CREDIT CARDS LOCKED IN A SAFE OR DRAWER AT HOME.

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KEEP YOUR ACCOUNTS OPEN AS LONG AS POSSIBLE – EVEN IF YOU ARE NO LONGER CHARGING ON THE CARD.

THE BEST POLICY IS TO KEEP THOSE UNUSED ACCOUNTS OPEN, BLOW THE DUST OFF YOUR CARD EVERY FEW MONTHS TO MAKE A SMALL PURCHASE, THEN PAY IT OFF.

HOW LONG EACH OF YOUR ACCOUNTS HAVE BEEN ACTIVE IS A MAJOR FACTOR IN YOUR CREDIT SCORE.  REMEMBER THAT THIS ALL TAKES TIME – FOLLOWING THE ABOVE STEPS CONSISTENTLY OVER A LONG PERIOD OF TIME WILL INCREASE YOUR CREDIT SCORE AND ALLOW YOU TO QUALIFY FOR BETTER LOANS AND LOWER INTEREST RATES.

REPAIRING YOUR CREDIT SCORE DOES NOT HAPPEN OVERNIGHT, SO IF YOU DO THESE THINGS FOR A FEW MONTHS AND DO NOT SEE A LARGE INCREASE IN YOUR SCORE, DO NOT GIVE UP.

THEY ARE ALL HABITS THAT YOU WILL WANT TO MAINTAIN THROUGHOUT YOUR LIFE, AS THEY WILL HELP YOU TO KEEP YOUR FINANCES AND LINES OF CREDIT UNDER CONTROL.

WHAT IS YOUR 100% GUARANTEE?

YOU ARE ENTITLED TO A 100% REFUND ON ALL MONTHLY PAYMENTS IF: NO ITEMS ARE REMOVED WITHIN THE TIME GUARANTEED FOR SERVICE. (3 MONTHS, 6 MONTHS, 9 MONTHS) 

YOU AGREE TO SEND UPDATED REPORTS FROM THE THREE CREDIT BUREAUS TO US WITHIN 5 DAYS OF RECEIPT.(CLIENTS SHOULD RECEIVE UPDATED CREDIT REPORTS EVERY 15-45 DAYS.)

***IT IS THE CLIENT'S RESPONSIBILITY TO MAKE US AWARE IF UPDATED REPORTS HAVE NOT BEEN RECEIVED!***​

HOW LONG WILL IT TAKE TO RAISE MY SCORE?

THROUGH OUR SERVICES, 93% OF OUR CLIENTS SEE THEIR CREDIT SCORE INCREASE 10 POINTS OR MORE IN THE FIRST 35 DAYS.

OVER THE FULL 180-DAY TERM OF THE CONTRACT, THE AVERAGE CREDIT SCORE INCREASE IS 80 POINTS.

SEE FULL STATISTICAL BREAKDOWN.

WHY ARE MY RESULTS DIFFERENT?

RESULTS MAY VARY.

THERE ARE TWO SIDES TO THE CREDIT SCORE BATTLE.  SOMETIMES, THE CREDITORS AND THE CREDIT BUREAUS HAVE DONE ABSOLUTELY EVERYTHING RIGHT AND WE HAVE NO CASE AGAINST THEM.

ON AVERAGE, CLIENTS ARE ABLE TO REMOVE 70% OF THE NEGATIVE ITEMS FROM A CREDIT REPORT.

​​WILL THE REMOVED ITEMS COME BACK?

ITEMS CANNOT COME BACK AS LONG AS THE ITEM IS CURRENT OR PAID AT THE TIME OF REMOVAL, OR IF THE COLLECTION IS OLDER THAN THREE YEARS.

THIS HOLDS TRUE EXCEPT IN VERY RARE CIRCUMSTANCES.

WHAT ITEMS CAN YOU HELP ME TO REMOVE AND/OR IMPROVE?

WITH OUR ASSISTANCE AND DOCUMENT PROCESSING, OUR CLIENTS HAVE HAD GREAT SUCCESS WITH BANKRUPTCIES, FORECLOSURES, COLLECTIONS, CHARGE-OFFS, REPOSSESSIONS, MEDICAL BILLS, CREDIT CARD DEBT, INQUIRIES, LATE PAYMENTS, OLD ADDRESSES, JUDGMENTS, TAX LIENS AND STUDENT LOANS.

HOW LONG WILL CERTAIN ITEMS REMAIN ON MY CREDIT FILE?

• DELINQUENCIES (30- 180 DAYS): A DELINQUENCY MAY REMAIN ON FILE FOR SEVEN YEARS; FROM THE DATE OF THE INITIAL MISSED PAYMENT. 

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• COLLECTION ACCOUNTS: MAY REMAIN SEVEN YEARS FROM THE DATE OF THE INITIAL MISSED PAYMENT THAT LED TO THE COLLECTION (THE ORIGINAL DELINQUENCY DATE). WHEN A COLLECTION ACCOUNT IS PAID IN FULL, IT WILL BE MARKED AS A "PAID COLLECTION" ON THE CREDIT REPORT. ​

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• CHARGE-OFF ACCOUNTS: WHEN A DELINQUENT ACCOUNT IS SENT TO A COLLECTIONS COMPANY. THIS WILL REMAIN FOR SEVEN YEARS FROM THE DATE OF THE INITIAL MISSED PAYMENT THAT LED TO THE CHARGE-OFF (THE ORIGINAL DELINQUENCY DATE), EVEN IF PAYMENTS ARE LATER MADE ON THE CHARGE-OFF ACCOUNT.​

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• CLOSED ACCOUNTS: CLOSED ACCOUNTS ARE NO LONGER AVAILABLE FOR FURTHER USE AND MAY OR MAY NOT HAVE A ZERO BALANCE. CLOSED ACCOUNTS WITH DELINQUENCIES REMAIN FOR SEVEN YEARS FROM THE DATE THEY ARE REPORTED CLOSED, WHETHER CLOSED BY THE CREDITOR OR BY THE CONSUMER. HOWEVER, THE DELINQUENCY NOTATION WILL BE REMOVED SEVEN YEARS AFTER THE DELINQUENCY OCCURRED WHEN PERTAINING TO LATE PAYMENTS. POSITIVE CLOSED ACCOUNTS CONTINUE TO BE REPORTED FOR TEN YEARS FROM THE CLOSING DATE. 

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• LOST CREDIT CARD: IF THERE ARE NO DELINQUENCIES, CREDIT CARDS REPORTED AS LOST WILL CONTINUE TO BE LISTED FOR TWO YEARS FROM THE DATE THE CREDITOR IS CONTACTED. DELINQUENT PAYMENTS THAT OCCURRED BEFORE THE CARD WAS LOST ARE REPORTED FOR SEVEN YEARS.​

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• BANKRUPTCY: CHAPTERS 7, 11, AND 12 WILL REMAIN ON ONE'S CREDIT REPORT FOR TEN YEARS FROM THE FILING DATE. A CHAPTER 13 BANKRUPTCY IS REPORTED FOR SEVEN YEARS FROM THE FILING DATE. ACCOUNTS INCLUDED IN A BANKRUPTCY WILL REMAIN FOR SEVEN YEARS FROM THE DATE REPORTED AS INCLUDED IN THE BANKRUPTCY.​

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• JUDGMENTS: REMAIN SEVEN YEARS FROM THE DATE FILED.​

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• CITY, COUNTY, STATE, AND FEDERAL TAX LIENS: UNPAID TAX LIENS REMAIN FOR FIFTEEN YEARS FROM THE FILING DATE. A PAID TAX LIEN WILL REMAIN ON ONE'S SCORE FOR 10 YEARS FROM THE DATE OF PAYMENT.​​

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• INQUIRIES: MOST INQUIRIES LISTED ON ONE'S CREDIT REPORT WILL REMAIN FOR TWO YEARS.                    ALL INQUIRIES MUST REMAIN FOR A MINIMUM OF ONE YEAR FROM THE DATE THE INQUIRY WAS MADE. SOME INQUIRIES, SUCH AS EMPLOYMENT OR PRE-APPROVED OFFERS OF CREDIT, WILL SHOW ONLY ON A PERSONAL CREDIT REPORT PULLED BY YOU.​​

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​INFORMATION THAT CANNOT BE IN A CREDIT REPORT:

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• MEDICAL INFORMATION (UNLESS YOU PROVIDE CONSENT).

• NOTICE OF BANKRUPTCY (CHAPTER 11) MORE THAN TEN YEARS OLD.

• DEBTS (INCLUDING DELINQUENT CHILD SUPPORT PAYMENTS) MORE THAN SEVEN YEARS OLD.

• AGE, MARITAL STATUS, OR RACE (IF REQUESTED FROM A CURRENT OR PROSPECTIVE EMPLOYER)​

STILL HAVE QUESTIONS?