1. CreditEnhancement.US
info@CreditEnhancement.US
CreditEnhancement.US is U.S. Veteran owned and operated business.
The time is now for Credit Enhancement.
Your credit score controls more of your life each day. While life insurance companies are
beginning to use credit scores to calculate premiums, 30% of all employers, according to CBS
News, will check your credit before offering you a job. It the past, your credit score was
something only time and good fortune could accomplish. However, using Credit Enhancement,
obtaining and building a strong credit score is a reality today for all.
It is time to stop being a victim.
Know your rights.
Aggressive and predatory creditors and collectors are bullies that can be stopped.
The laws to protect you exist but you need to know them and have a team fighting for you.
Debt collectors regularly ignore the law, so they must be challenged. Like all bullies when
challenged, they back off, but putting the bullies in their place is only the start.
Even if your credit seems satisfactory or good today, will it be strong enough tomorrow as credit
scores continue to rise for the most sought after consumers. Today, one in five Americans have
a credit score over 800. Do you?
The team at CreditEnhancement.US is ready to advocate for you starting today!
Know how credit scores are calculated
Payment history is 35% of an overall credit score.
How much of your available credit is being used represents about 30% of a credit score.
The remaining 35% comes from:
Length of time using credit
Age of each account
Frequency of new applications for credit
Types of credit accounts
The Path to Credit Enhancement

2. CreditEnhancement.US
info@CreditEnhancement.US
CreditEnhancement.US is U.S. Veteran owned and operated business.
The path to true and lasting credit enhancement includes fixing credit report errors, removing
derogatory listings, building a positive history, and accessing new credit sources.
A well conducted credit inventory can be extraordinarily helpful as an early step to assess
utilization ratio. Utilization ratio is more than merely keeping credit balances at 30% of each
credit limit, and minimizing debt is not always the first step to credit enhancement.
The United States Congress has provided a way to dispute, challenge, and remove errors on
credit reports, and those errors are pervasive. The Federal Trade Commission (“FTC”) and the
U.S. Public Interest Research Group agree:
79% of American credit reports have errors, and
25% of all credit reports contain serious errors that could result in credit denial
Whether a credit challenge is being caused by an original creditor or a credit bureau, the Fair
Credit Reporting Act is a key resource in disputing negative credit information. Credit bureaus
have been fined multiple time for violating consumer rights and ignoring the Fair Credit
Reporting Act. Still, ignoring collection calls or quickly capitulating to a payment are equally
bad steps in engaging a contact about a delinquent account.
The CreditEnhancement.US path to Credit Enhancement includes:
1. Credit inventory
2. Debt assessment
3. Account validation
4. Account dispute/challenge
5. Charge off removal
6. Negative/derogatory comment removal
7. Settlement negotiations where necessary
8. Reporting/verification cessation
9. Demand that the Fair Debt Collection Protection Act be honored
10. Credit building action plan
Contact Us by email
info@CreditEnhancement.US