Credit Repair
Omni real estate has been in business for 70 years, helping people find the homes of their dreams. We understand that some of our customers need to repair and improve their credit. Here we provide you with additional information which may help you to better understand the credit repair process.
Find Out More about Credit Repair
Can bad credit be deleted?
Yes, it can. Negative credit listings are deleted from peoples' credit reports by the thousands each and every day!
How is it possible to improve your credit?
The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his or her credit report on the basis of "completeness and accuracy". When a consumer files a dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete. In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor's own computer record. If, within 30 days, the credit bureau has not received verification from the creditor, the credit bureau must promptly delete the credit listing.
Can credit repair companies be trusted?
Many "credit repair" companies claim to remove negative credit with the flick of a wrist. Their advertisements make bold assertions and money-back guarantees. While some credit repair companies are outright frauds, others are NOT fraudulent and they use the dispute process to obtain impressive results. We are one of the most prominent and successful credit repair companies and have been improving credit for over a decade.
Can credit repair companies guarantee results?
Not a chance! No credit repair company is so good that it can guarantee a specific outcome. Be careful as guarantees are a sure sign of credit repair fraud. A warranty, where the credit repair company promises a refund if certain results don't occur, is a better, more realistic claim.
Fill Out Credit Repair Application