Posted by: Garrett Bennett on April 22, 2016 12:56 pm

(Tips to Fix Your Credit Score)

Many know the basics and fundamentals to keeping a positive credit history going, many don’t know where to start. Whether you’re one or the other doesn’t matter, slip ups happen. Many negative statements found on one’s credit report have nothing to do with what knowledge is known or not known, it simply has to do with accidental unmade moves, or even moves that are complete mistakes and aren’t in your hands.

Late payments have a big impact on your credit scores. Payment history can be crucial to maintaining a higher and steady credit score. Where problems can occur are starting on that first 30 day late payment that could come from an old credit card or something in use that you may have just forgotten about. Medical collections are also a common occurrence in going into collections because the outside billing used. A bill can be sent via mail from a source unknown in a different location you’ve never interacted with and can be sent to the trash, thus a bill never being paid and sent to collections.

There are a bunch of different factors and reasoning for staying on top of your credit history. Odds are if you haven’t checked your credit in a few years there could be something on there damaging your credit score. If you are unsure of what could be reporting or never have checked your credit reporting history yourself, give one of our Credit Repair Specialist at Credit Team USA a call to discuss what’s on your credit reports and what Credit Team USA can do to help restore your credit reports.

Credit Team USA- Credit Repair Specialist
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Posted by: Garrett Bennett on November 12, 2015 1:10 pm

Fix My Credit- Seattle, Spokane, Vancouver, Portland.

Renting with a lease option to purchase is an alternative to conventional home financing.

Renting a house with the lease purchase option can help you beat the rising cost of home prices. Generally, the renter signs a 12- or 24-month agreement with the property owner. During this time, the renter repairs their credit and saves the required down payment needed to obtain a conventional mortgage loan. When the initial lease period is over they can obtain a mortgage for the remaining balance of the “option,” or purchase price of the property. In some cases, when a property is rented with the option to buy, a portion of the rent each month and the down payment may be able to be applied toward the purchase price.


1. Save enough money to cover the down payment or “option payment.” The option payment is a deposit that is paid to the property owner when the lease-to-own agreement is signed. Generally, the option payment is applied to the purchase price.

2. Meet with the property owner and discuss the terms of the rent-with-option agreement. Fully understand the terms of the agreement and the expectations of the property owner before entering into a lease-to-own agreement.

3. Meet with a mortgage lender to discuss the terms of the contract. Make sure you will be able to qualify for a mortgage once the rental period has expired.

If you have any questions on how to pursue such option please feel free to give us a call. Further, Credit Team USA has works with some of the top mortgage lenders in the country who will be able to help you faciliate your next mortgage loan.

Credit Team USA

(888) 990-9978

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Posted by: Garrett Bennett on August 18, 2015 5:36 pm

Fix My Credit- Seattle, Spokane, Vancouver, Portland.

Here’s good news if you’re trying to fix an error on your credit report

Experian, Equifax and TransUnion, the three main agencies that track your credit, have agreed to follow new guidelines to handle disputes on your reports.
The credit-reporting firms will now be required to use trained employees to respond when a consumer flags a mistake on their file.
Credit reports have immense sway on a person’s borrowing ability. The credit bureaus track data from lenders, credit card issuers and collections agencies, among others, to produce credit scores for millions of Americans. The obtained credit scores will help determine a person’s mortgage rate, car loan interest rate, no less the credit worthiness for credit cards and so on.
Critics say the credit bureaus don’t do enough to address complaints about mistakes in credit reports. They say the firms just pass on complaints about inaccuracies to lenders rather than investigate the claims.
Under the newly revised agreement, credit-reporting bureaus will be required to use trained employees to respond when a consumer flags a mistake on their file.
Statistics show that credit bureaus only resolve about 15% of disputes they receive from consumers internally, according to a 2012 report from the Consumer Financial Protection Bureau. The remaining 85% are referred back to the lender to investigate. Thereby, leaving millions unresolved complaints and incorrect adverse information on consumers credit reports. If you have any questions regarding adverse information reporting on your credit files and need help getting it resolved and removed give us a call.

Credit Team USA (888) 990-9978

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What is affecting my credit score: Debunking the myths

Posted by: admin on September 3, 2014 11:07 am

Improve My Credit- Bend, Eugene, Portland, Seattle, Vancouver WA

Many of us don’t know or are confused about how the whole credit world works. In this day and age you want to be able to provide yourself with what you need at any time. One of the biggest parts of this is keeping a constant flow of good credit history. But like most people, achieving this is something we don’t even understand. There are a high percentage of layman consumers who have some incorrect information and understanding about how something such as a collection or inquiry will affect their credit history and overall credit scores.

Debunking the myths:

Here are some basic outlines and tips for improving your credit, helping your overall credit and or raising your credit scores.

-First off, how will inquiries affect my credit?
Though an inquiry can affect your credit score it really doesn’t play a big role unless you have a voluminous amount of credit inquires. The myth affecting your score and credit reports exactly 5 points is definitely not something set in stone as there are multiply factors that come into play. However, with that said, don’t let anyone pull your credit unless it’s important that you obtain the specific credit that involves someone pulling your reports.

-Where I live is affecting my credit?
No, where you live has no accountability on the manner of your credit score. If you live in Seattle, New York, Los Angeles, Chicago or remote areas such as Medford OR. These circumstances play no role; that simple. You control the flow; managing and staying on top of your credit and controlling your overall debt load ratio will improve your credit scores.

-Parking tickets don’t adversely affect your credit rating!
Let it be noted, parking tickets can play a role in lowering your credit scores. In most cases parking tickets are turned over to various collection companies who in turn report such status on your credit reports. However, properly challenged such adverse information can be deleted from your reports as well.

-Do credit repair companies hurt or help?
There is a lot of news on credit repair companies being scams and running away with your money. Though some of this information is true it’s important to understand it does not apply to all of them. Actually, having an expert help consult you on what you need to do specifically to improve your credit can be the best thing financially you can do for yourself. If you need help as well with getting collections, late payments, or false information deleted or updated then a professional hand can be very helpful. We at Credit Team USA have been helping people repair credit their credit reports since 1997. Further, we have been top leaders in educating our customers what they can do to help with their credit repair process as well. So take action today and give us a call so we can discuss what can be done to help with your Credit Repair Process.

Credit Team USA (888) 990-9978

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An error in your credit report? Exercise Your Right of Due Process.

Posted by: Ron Bennett on June 24, 2014 1:42 pm

Credit Repair and Credit Repairing Process Works – Los Angeles, Seattle, Portland

Fix My Credit- Los Angeles CA, Seattle WA, Portland OR

A mistake in your credit report can have serious consequences. It can hurt your ability to get a credit card, qualify for a loan, rent an apartment, adversely affect your insurance rates or even be hired for a job.

When is the last time you had a professional review your credit files and review your credit worthiness? Do you even know if there are errors in your reports that are costing you points and lower your credit scores? Have you ever found an error in your credit reports and want it repaired quickly? Maybe you tried to fix your credit and nothing happened. What can you do then? One option is to complain to the Consumer Financial Protection Bureau (CFPB).

However, there are thousands of people who were not satisfied when they contacted the credit bureaus or the Consumer Financial Protection Bureau as well. These are the same people who are forced to keep calling and writing to the bureaus in hopes of getting their problems resolved.

We at Credit Team USA have found that the big three credit reporting agencies (Equifax, Experian and TransUnion) vary dramatically on how the deal with complaints and challenges to their reported information.

Here are some of the key findings:

1). Number one common problem is approximately (70%) of complaints are based upon incorrect and falsely reported adverse information being reported on credit reports.

2). Experian had the most complaints followed by Equifax and TransUnion.

3). Consumers did not always agree with the company’s response. In fact, they disputed it about 18 percent of the time.

How big is the reported error rate?

It’s hard to get the real number on this, just know it’s extremely high.

We found an article showing a report released earlier this year; the Federal Trade Commission said twenty and up to seventy percent of U.S. consumers had an error on at least one of their three credit reports.  It was also found there were a lot of errors serious enough that they could result in higher payments for various financial products such as auto loans, insurance, mortgage loans or just flat out being denied for requested loan products.

Who’s to blame for these mistakes? The credit reporting industry says in nearly 9 out of 10 cases, the inaccurate information was based on a reporting error from the customer’s lender. In other words, it’s called the blame game and it can be very difficult to get changes made.

If you’ve contacted a credit bureau about a mistake and did not get the issue resolved, please contact us at Credit Team USA and we can discuss what can be done to help with your Credit Repair and Credit Repairing process.

For more Information on obtaining help Fixing Your Credit contact us at:

Credit Team USA    Toll Free: (888)990-9978

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