Good Credit Happens specializes in credit consulting and restoration. Our staff has over 40 years of finance and credit experience. Good Credit Happens will vigorously challenge on your behalf any obsolete, inaccurate, or erroneous information, including Tax Liens, Bankruptcies, and Charge-Offs, held by the three major credit-reporting agencies that are affecting your credit history.

Good Credit Happens is an expert in the laws of the Federal Fair Credit Reporting Act, The Health Insurance Portability and Accountability Act, The Fair Credit Billing Act, and the Federal Fair Debt Collections Practices Act. The three major reporting agencies, creditors and collection companies must abide by the laws and maintain accurate information or remove the erroneous information permanently. 

HOW IT WORKS

Studies show that most credit reports have inaccuracies that may affect your credit score. It's your right to demand the most accurate credit reports possible, and to benefit from the improved credit score which results from correction. If your credit reports are not repaired, any misinformation on your accounts can cause you to pay higher interest rates on everything from credit cards to home mortgage or vehicle loans.

WHAT WE DO

Helping clients use the laws to improve their credit is a core Good Credit Happens service. Any negative accounts on your credit reports that you do not recognize or are inaccurate should be disputed and removed. The removal of such information can increase your credit score significantly. That said deciphering and choosing what information should be challenged could be difficult and not immediately obvious. Each "negative" on a credit report interacts with and may consist of multiple accounts and details and cleaning up the details can mean the difference between sub-prime credit and an accurate, optimized credit profile and an increase in the scores