Life always tends to throw unexpected twists and turns our way. One minute your financial future seems great, and the next you’re struggling. Many people unexpectedly lose their jobs or have to deal with medical bills or a long divorce process, any of which can quickly leave a person with issues they feel unable to handle.
We can help!

You deserve to have a credit history which accurately reflects your creditworthiness. Many of the Credit Reporting Agencies’ rules and regulations were created without regard to borrowing or default statistics, and with even less regard for consumers who may make poor, or wrong, judgments in handling their credit. For example, the arbitrary assignment of 7 years for listing a bankruptcy on your Credit Report is pulled out of thin air. There is very little data on individual or small business bankruptcy recidivism. Credit Reporting Agencies would leave all historical data on your report, from the day you first acquired credit, if they could. There are Chapter 7 bankruptcy individuals who never had a late payment in their lives, either before or after the bankruptcy, because they juggled their multiple credit accounts to insure they met payments on time. Despite the 7-year rule, many people are able to get back on their feet in as few as 2-3 years. Credit Reporting Agencies rarely showcase information which redounds to the benefit of individuals. That’s where NEGOTIATEBILLS CREDIT IMPROVEMENT steps in to help. Our primary goal is to guide you in repairing the data in your file to improve your credit and increase your Credit Score.

Our Guarantee

Unlike many Credit Improvement companies, ours is not an automated system which handles only disputes. Our method has proven successful for cleaning up your entire report and eliminating all discrepancies which results in useable good credit. Our depth of knowledge and experience will be put at your disposal to restore your credit. NegotiateBills Credit Improvement gives you a brighter future, with many more possibilities, both personally and in your business. No Credit Improvement company can guarantee outcomes, but we do guarantee our ability to maximize the positive results of our repair work on the mistakes in your reports.

Why NegotiateBills Credit Improvement

Negotiatebills Credit Improvement is the most reliable Credit Improvement Programs available. We merge our knowledge of credit repair and credit reporting laws with our efficient and successful program. We approach every client’s credit report challenges with our built-in promise to provide you with long-term credit improvement.

Proven Results

Once you start the process with NEGOTIATEBILLS CREDIT IMPROVEMENT to repair your credit, you will START seeing results within around 60 days. And, as you continue the process, you should begin seeing an improvement in your Credit Score. Your own rate of progress may vary from other clients, because your situations are different, but our goal is your successful repair, as soon as possible.

24 Hour Access 7 Days A Week

Your account is accessible 24 hours per day, 7 days per week. You have the ability to monitor the progress of your credit repair process as efforts are employed by us to correct your report and improve your Credit Score. NEGOTIATEBILLS CREDIT IMPROVEMENT will have available live Counselors to explain our credit repair efforts during normal business hours.

Getting Started with Us

The Steps of Our Process

Step 1: The process begins when we receive your 3 Credit Reports, from the three major credit bureaus, Experian, Equifax, and Trans Union. If you do not already have your Credit Reports, we will provide you with the Credit Reporting Agencies’ addresses and phone numbers. If you are married and have joint debts, such as your car or home, you should mail us all six reports. We have discount rates for spouses working together to improve their credit.

Step 2: When we receive your reports, we then enter your credit information into our system, Credit Repair Portal. Your account will include all the specifics of what we have accomplished on your behalf.

Step 3: After logging onto your private Credit Repair Portal account, you identify your incorrect and/or questionable items, with a simple point and click with your mouse. Each item includes a comment option, for you to explain the item in question. Our client-friendly program makes as simple to use as any internet shopping site.

Step 4: NEGOTIATEBILLS CREDIT IMPROVEMENT begins disputing your wrong and/or questionable items directly with the Credit Reporting Agencies. As your Agent, we will use our knowledge of your rights, under the Fair Credit Reporting Act to dispute these items and repair your credit and Credit Score.

Step 5: Now we wait. The Credit Reporting Agencies have 30 days from the day they receive our dispute letter. Generally, you can expect a response from the Agencies within 60 days of mailing NEGOTIATEBILLS CREDIT IMPROVEMENT your credit reports. You will receive the amended report directly from the Credit Reporting Agencies. When we receive your new report, we update your Credit Repair Portal information, and continue our investigation and dispute of other questionable items on your reports. And so, this process repeats itself until your credit reports are free of discrepancies.