Reliant Credit Repair Review

Reliant Credit Repair company

This is a company that is based in New Jersey, whose main task is to help people improve their credit report and finances.

They normally analyze a client’s credit intending to find discrepancies, errors and inaccurate information, which they can raise as disputes for deletion from the client’s report, and as such, raising the credit score.

I have talked more about credit score on this article – kindly have a look and leave a comment.

Reliant Credit Repair company claims to be wholly transparent and legit, plus they always try to remove only the inaccurate negative items on your report.

However, please note that if the negative information is accurate, then, they will not touch it, and will leave it on your report. They state that they are not an alternative for bankruptcy.

Do you really require the services of a credit repair company?

Well, this will depend on the status of your credit report. A credit report is simply a summary of all your credit information, which includes your current loans, your repayment information, and others such as your name, address, contact information, creditors, social security number, etc.

It is extremely vital to have a good credit report, as this determines whether or not you can be able to access any more credit on your name.

A poor credit report will lead to a low credit score, and this score is what most lenders use to make decisions concerning you when it comes to loans.

The biggest issue with bad credit is that it can cause the following problems in your life;

  • It can cause you to get high-interest rates on your credit cards and loans.
  • Makes it impossible for you to get a mortgage.
  • Causes your credit and loan applications to be denied.
  • Makes it hard for you to rent an apartment.
  • You may find it difficult to get a job.
  • You may not get a cell phone contract.
  • You may end up paying high insurance premiums.
  • You will constantly be bombarded with calls from creditors and debt collection agencies, which is a nuisance.
  • It will make it virtually impossible to buy a car, and if you manage to find a lender who can give you a car loan with your bad credit, then the interest rates will be too high.
  • You might face challenges when starting a new business.

These are just some of the issues that will arise as a result of having bad/poor credit.

So, if you are in a fix, and you need to improve the status of your credit report so that you can raise your credit score, it is important to consult with a credit repair company, whose main task is to help you improve on your credit.

And this is where Reliant Credit Repair company comes in.

What does Reliant do?

Now, most credit repair company’s job is to evaluate your credit report, identify where mistakes are, and then dispute these erroneous items on your report, so that the information can be deleted.

Remember that the items on your report are directly responsible for your credit score, and hence when you remove them, you are able to raise the score by some significant points.

Here is what to expect from Reliant Credit Repair when you sign up with them;

A free evaluation of your credit report

When you sign up with the company, the first thing they will require you to do is access your credit report. Credit reports are free and available online from the following sources;

  • com. From this website, you can get a copy of your credit report from each of the significant companies, i.e., Equifax, TransUnion, and Experian. You qualify for one per year. This website may not be the most user-friendly, but it is definitely a reliable one.
  • Credit Karma. This is an easy to use website, where you can be able to retrieve your experience credit report at any time.

Here are some steps to follow when you log on to the websites;

  • Fill in your personal information.
  • Choose whether you wish to receive all of the three credit reports, and if you want one only, then choose that one.
  • Confirm your personal information.
  • View the credit report and save it for future use.

Once you have received your credit report, send it to the Reliant Credit repair company for review and evaluation.

They will thoroughly analyze it line by line and take note of any mistakes they will see.

They have highly qualified professionals that are able to spot even the most subtle of mistakes easily. They know the credit regulations and laws well enough, and how to dispute them.

One of the main problems that are noticeable on credit reports is the fact that creditors are not allowed to report a debt, once it has been sold off to collection agencies. The Reliant team will comb through your report keenly and identify any such errors.

They will then contact you in order to create a game plan on how to help you. They normally determine whether you need help in any of the following areas;

  • Building your credit.
  • Debt consolidation.
  • Debt Settlement.
  • Mortgage or auto loan application.
  • Student loan consolidation.
  • Refinancing of your mortgage or auto loan.

Audit

Once they have come up with a strategic plan on how they will handle your credit, they will then conduct an initial audit of your finances.

This will include looking at all the specific items on your report, requesting for the relevant receipts to prove payment of loans, accessing your credit information i.e., analyzing the number of loans you currently have, among others.

During this step, they may enroll you on a credit monitoring class – They usually use a third party for credit monitoring of your account, which may accrue more charges monthly.

When you sign up with them, you inadvertently sign up for the credit monitoring service which includes alerts whenever something changes on your report.

This system can also help you identify theft and fraud cases.

Building your credit score

In the course of your credit repair process with Reliant Credit Repair company, they will not only be focused on eliminating erroneous information from your credit report, but they will also be helping you re-establish and re-build your credit.

The team may use some or all of the following steps in order to maximize your credit score;

  • Secured Credit cards.
  • Auto Loans.
  • Credit lines.
  • Credit builder accounts.

How much does Reliant charge?

Reliant Credit Repair

 

I have simply print screened the above from their company website in order to show you how their pricing works.

This is a relatively costly company, but they are reputable, in that they ensure to maintain their integrity, regardless of your credit information. We have mentioned this earlier, that they never change genuine information from your report, and they are most interested in the inaccurate data.

How do they send disputes?

Once you sign up with them, they will start sending out dispute letters concerning any of the transactions that are erroneous on your report. These letters show that they do not agree with a specific item on your credit report.

The package allows them to dispute 15 items every 30 days. This means five on each page.

Cease and desist letters

This is yet another service they offer their clients.

They will send out cease and desist letters to your creditors, mostly informing them that you are in the process of credit repair, which means that they must cease all form of communication with you in form of letters and calls until you resolve this issue.

Validation of your debt:

The company can take it upon themselves to send validation letters to your creditors whenever you are willing to settle a debt. They will then follow up and ensure that the debt has been deleted from your report.

Conclusion

This is a company that has received many accolades in connection to how they serve their clients. Most customers have actually commended their online portal and their customer service department for always being available to help.

I always like to tell my readers that credit repair is not an overnight process, even if you are using a credit repair company. You must always be willing to become patient and allow the process to take place, step by step.

This is because, it’s not easy to clean up a report and the constant back and forth from the company to the creditors normally takes time, and in most cases, they will need to keep following up on your matter.

It is however wise, to always ensure that you are on top of things. Call the company constantly or log on to the online platform in order to follow up on the progress.

Bibliography

[1] Irby, LaToya. “The 3 Major Reporting Agencies That Control Your Credit Report.” The Balance. Last modified December 6, 2007. https://www.thebalance.com/who-are-the-three-major-credit-bureaus-960416.

[2] Reliant Credit Repair In New Jersey. Accessed May 30, 2019. https://reliantcreditrepair.com/.

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