Extra Services
We take pride in offering various additional services at no extra cost, designed to assist you in achieving your credit goals. These specialized tools are tailored to your unique situation and are employed when appropriate, providing targeted solutions to enhance your credit journey.
Debt Validation
Debt validation allows you to request proof of a debt’s validity within 30 days of receiving a collection letter. It’s beneficial when planning to pay a debt or disputing its accuracy. However, caution is advised, as attempting validation on a valid debt may trigger aggressive collections. We use this tool judiciously after consulting with you.
Goodwill Letters
A goodwill letter is a request to a creditor to remove an accurate derogatory event from your credit history. Unlike disputes, it doesn’t involve challenging credit bureaus. Goodwill letters are most effective for isolated late payments over 6 months old, preceded by 6 months of on-time payments.
Cease & Desist Letters
A Cease and Desist letter, or Cease Communication letter, instructs a debt collector to stop all communication with you. Caution is advised when using this tool, as it may leave the collector with the only option of filing a lawsuit. Before proceeding, we’ll research the statute of limitations for the debt, attempt debt validation if appropriate, and provide you with informed options.
Inquiry Disputes
Inquiries warrant careful examination as they can be indicators of identity theft or impact your credit score. Auto and mortgage inquiries receive specific treatment by credit scoring models. If you have concerns about inquiries, we’ll prioritize them and address them accordingly, ensuring they receive the attention they deserve.
Free ID Theft Consultation
In case of identity theft, prompt action is vital, but thorough investigation is equally crucial, as unrecognized accounts could be file merger errors. Fast Repair Credit offers Free ID Theft Consultations and provides no-cost instructions for self-filing. If you prefer professional assistance, feel free to contact us for enrollment. We’re here to help you navigate the process effectively.
Debt Settlement/Negotiation Consultations
When considering paying a collection, negotiation for a possible payoff is an option. We’re delighted to discuss the best strategy with you, review the statute of limitations on the debt, and assess whether validating the debt before making an offer would be advisable. Your financial interests are our priority, and we’re here to guide you through the process.