Credit Repair Services - Dispute Negative Credit Reports

Estimates show that over 70% of credit reports contain errors;

29% contain serious errors.

Helping you get back on track

TR & Associates Credit Services disputes negative items on your credit report authorized by you, including bankruptcy, tax liens, late pays, collections, judgments, repossessions, charge offs, excessive inquiries and others. TR & Associates will communicate with the three major credit reporting agencies on your behalf via written correspondence. We prepare all the documentation and monitor the correction and deletion of negative inaccurate, misleading, obsolete, outdated and unverifiable information from your credit reports for 12 months. The majority of our clients are finished with our program in 4-6 months but we will continue to work for you for an entire year if necessary.

We help improve your credit with our hard work, expertise, and a total focus on our customers. You have been given certain rights through the Fair Credit Reporting Act as to how credit bureaus and creditors report and maintain information about you. Most people do not know they can affect the information reported about them and improve their credit situation. We know and understand the law, and we know the best methods to utilize the rights given to you.

The costs associated with poor credit are sometimes difficult to calculate, but are astonishing once revealed. By only modestly improving your credit score, you can easily realize thousands of dollars of savings in interest payments.

Home Mortgage

Assume you have an outstanding mortgage of $150,000. A look at these numbers illustrates the benefit of good credit (based on a 30 year mortgage).

Credit Score	Rate	Monthly Payment	Monthly Cost of Bad Credit	Additional $ Required to Pay Debt (Life of Loan)
Excellent	5%	$805.23	$0.00	$0.00
Average	7%	$997.95	$192.72	$69,379
Poor	9%	$1206.93	$401.70	$144,612

As you can see, a poor credit score can easily cost you tens of thousands of dollars when making a major purchase such as a home. As we have illustrated above, poor credit can be very costly, while the savings of optimal credit are astounding.

Automobile Financing

Look at another example. Assume you have an outstanding 5 year car loan in the amount of $15,000. A look at these numbers again illustrates the benefit of good credit.

Credit Score	Rate	Monthly Payment	Monthly Cost of Bad Credit	Additional $ Required to Pay Debt (Life of Loan)
Excellent	7%	$297.02	$0.00	$0.00
Average	12%	$333.67	$36.65	$2,199
Poor	18%	$380.90	$83.88	$5,033

Credit Card Payments

Assume you are carrying $10,000 in credit card debt. Additionally, let’s assume that you commit $200.00 per month to service this debt. Below we can see how financially draining the effects of high interest credit cards can be.

Credit Score	Rate	Monthly Payment	Months Needed to Pay Debt	Additional $ Required to Pay Debt
Excellent	8%	$200	62	None
Average	15%	$200	79	$3,400
Poor	25%	$200	Infinite	Infinite

Consumer’s budgets are finite, but unfortunately the negative effects of credit card debt are not. As the example above illustrates , it is possible for consumers with damaged credit to be stuck in credit card debt forever! With an interest rate of 25%, paying $200 per month, your balance owed would actually increase each and every month!