Credit Repair

I know you have many questions about Credit Repair
we will try to answer a few of them for you here, but please give us a call; we are happy to answer all of your questions.

Description of service

O'rise Finance LLC is a professional credit repair company. We help consumers challenge, dispute, and monitor their credit reports. We also provide credit education in an effort to change the way our customers view and manage their Personal creditprofiles.

How much does the Credit Repair cost?

Bad Credit comes at a high cost, whether you did the deed or not-Mark no mistake about that. But credit affects every aspect of your life, from the ability to buy a house the potential to land your dream job. O'Rise Finance LLC does not have a monthly fee, and our job is not to sell you your won credit report. We will direct you on how to obtain your credit report for free. Our flat rate is tailor to your needs, and for most, it's around $500 or less.

Why is Credit Repair So Important?

Credit affects our lives today more then we would like to acknowledge to ourselves. When you have "Bad Credit" everyone looks down their nose on you. Why? because they see you as the cash cow, the money mule that will pay more on the Loan application, interest rate, insurance premiums, and get less pay doing the same job if you get that job, to begin with.

How long negative items stay on your Credit Report?

Per the Law, there is a maximum of 7 Years for most items and 10 Years for bankruptcies. Though this is the law, Creditors are the owner of your information that they furnished to the Credit Bureaus, and they can choose to remove the malicious items with the right motivation.

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act (FCRA) is here to protect you; the consumer, creditors, and businesses use to target you with their predatory acts. They ensure fairness, accuracy, and privacy of your information collected by Creditors, Banks, and the Credit Bureaus. The Laws ensure that you can engage these entities to verify that your credit report’s information (data) is accurate.

How much dose credit repair cost?

There is no hard and fast answer to this question. It's all depends on you! Your goal and your credit situation. You may need more work is done on your credit or even less work done until we O'Rise Finance LLC have a chance to review your reports and build a personal game plan of action.

Is CreditRepair com legit?

yes, they are a legit company, but the real question is, can they help you to fix your credit in the timeframe that you need it done? they work on a monthly plan so there are no incentives to fix your credit fast, the longer you remain a customer is better for them. more money in their pocket. that is not the business plan O'rise finance adopts. we believe that everyone deserves a second chance. we also believe that you deserve a fast and reliable service.

Do it yourself repair credit?

Yes all of the work that we O'rise Finance LLC or any other credit repair companies dose you can do it yourself, there are mountains of sources out there that provides step by step instructions on how to fix/repair your credit, like the fair credit act, or any of the major credit reporting bureaus. but do you have the time and discipline to get it done right?

What does CreditRepair com do?

Credit Repair does multiple things, it is all based on "your" individual needs like fixing errors on your credit reports like Late Payments, multiple reporting of tradelines, Identity theft (tradelines that are not yours), and many more.

What are credit repair companies?

Credit Repair companies are anyone whos acting on your behalf to fix errors on your credit report. just like an attorney but in this case, they do not have a law license

Best Credit Repair Company

O'rise Finance LLC would like to consider ourselves and one of the best companies out there to fix your credit. But we will leave that up to our clients to be the judge of that. but a few things to look for are Reliability, Fast, willingness to genuinely help you, and your situation, knowledge of the Fair Credit Reporting Act and its applicable laws.

Should you pay for Credit Repair

Again, If you have the time and know the laws, I would say no do it yourself.

How to fix My Credit / Fix my credit score

Credit repair is not an easy or a quick fix it can sometimes take months sometimes years. but O'rise Finance Credit repair will make the process stress-free as our client, we start by doing a free credit analysis to give you a full unobstructed view of your credit. things that most overlooked could be a factor affecting your score or even the ability to fix the issue. I would say that's how to start repairing your credit.

CreditRepair Thru Realtors

many people found out that they have a credit issue through their realtor, they want to purchase a home and call up a realtor about it, then the realtor ran their credit to see if they qualify then brings to their attention all the errors that the report presents. 

O'rise Finance LLC Credit Repair works with a lot of realtors to fix their client's credit. they do not do the actual credit repair themselves, they source it out to companies like us. we do the work they get to sell a home and the circle keeps turning.

CreditRepair forums and technologies

There are countless blogs and forums on this topic. They will help you and subject like getting the right credit card to fixing your own credit. Most of them are just rehydrating or plagiarizing the same topic. One of the best sites that I found to be helpful is nerd wallet; they use their technologies to scan the net to find options that best suit your needs.

How to repair credit | How to repair your credit

Credit repair is not an easy or a quick fix it can sometimes take months sometimes years. but O'rise Finance LLC and make the process stress-free as our client, you start by doing a free analysis that will give you a full unobstructed view of your credit. things that most overlooked could be a factor affecting your score or even the ability to fix the issue. I would say that's how to repair your credit.

Credit Repair | Credit Repair Services

Credit repair or credit repair services or one of the same, you can conduct your own credit repair or hire credit repair services from a reputable credit repair agent.

Lexington law

Lexington law is linked to quite a few of these credit repairs companies like creditrepair com and creditwize com. they are believed to own by them. it's a tactic use to keep a firm grip on market share.

Credit Repair Near Me

Unless you want to walk up into a credit repair office to look at the staff in the eyes, it is not necessary. But O'rise Finance LLC service all 50 states and 99% of our clients never meet us but they are out happy clients.

Free Credit Repair

you cant repair your credit for free by following the steps outline by the credit bureaus and sites like credit karma. O'rise Finance LLC offers free credit repair help to DIY your credit repair.

Fast Credit Repair

if you are working with one of the monthly credit repair companies, you would know by now that they are not in any hurry to fix your credit fast. O'rise finance LLC pride ourselves on doing just that "fixing your credit fast".

Credit Repair login

O'rise Finance Login is on the upper right corner of our webpage in red, with the words login/signup. Click on the red button to open up the login page. there you will prompt to enter your user name (email) and password. if you do not yet have an account please click on sign-up to create an account and be prepared to enter the following: email, first and last name, Phone number, address. after entering your information continue by clicking submit. you will get a confirmation email confirming that your account was created.

Collection Agency

I do not think anyone likes these people yet it is a billion-dollar industry.  they make their money by betting you don't pay your bills.

Medical Bills

If you have an unpaid medical bill | medical debt by law after 180 days they can send it to a collection.

Pay for Delete letter

pay for delete letter is a letter that agrees to remove the tradeline (collection) from your credit profile.

How to deal with debt collectors when you can't pay

How to deal with debt collectors when you can't pay simply do not speak to them.

Unpaid collection removed from credit report

There are many reasons why a collection appeared on your credit report and there are as many reasons to get them off without paying them.

Do medical bills affect your credit

do medical bills affect your credit? the short answer is yes. visit the FCRA (Fair Credit Reporting Act) for more on this topic

How to remove paid collections from credit report

how to remove paid collections from credit report it can be done with a deletion agreement letter.

How long does a collection stay on your credit report?

how long does a collection stay on your credit report it can stay on your credit report for seven years. in some cases, it's 10 years.

Medical collections

medical collections may look like other collections on your credit report, but the law prohibits access to your medical records without your written consent.

What if I can't pay my hospital bill | can't pay medical bills

what if I can't pay my hospital bill? there are many Government assistance programs that are there to help you to pay your medical and prescription expenses. like good days if you can prove that you can not pay they will help to pay some if not all of your medical bills.

How to dispute a medical bill?

how to dispute a medical bill there many ways to dispute a medical bill one of them leverages the HIPAA laws. the Health Insurance Portability and Accountability Act of 1996 (HIPAA) is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient's consent or knowledge

Can medical bills be sent to collections if you are making payments

No, if you are paying any bill it can not be sent to or mark as a collection until it is over 180 days past due.

What is the minimum monthly payment on medical bills

if you are not qualified to get help paying for your medical bill you can make an arrangement with the medical provider/s to pay as little as $5 per month.

What is the minimum monthly payment on medical bills

if you are not qualified to get help paying for your medical bill you can make an arrangement with the medical provider/s to pay as little as $5 per month.

Sent to collections without notice

Yes, debt can technically be sent to collections without any notice. In some cases, you might not realize the debt is in collections until you check your credit report. Sometimes, you might not realize you owe the debt at all.

Debt dispute letter

Federal law gives you a brief opportunity to force the collector to demonstrate that you do indeed owe this debt. you can find sample dispute letters on blogs or simply write a not the credit bureaus with your identifiers and state that the item is not yours.

Negotiating credit card debt

you can call up your creditors and tried doing it yourself or hire a for-profit company, and involve the company negotiating with your creditors to allow you to pay a “settlement” to resolve your debt. The settlement is another word for a lump sum that's less than the full amount you owe.

Paying off collections

I told my clients never to pay for any collections!

If a debt is sold to another company do I have to pay

If a debt is sold to another company, do I have to pay? Once your debt has been sold to a debt purchaser you owe them the money, not the original creditor. The debt purchaser must follow the same rules as your original creditor when they collect the debt, and you keep all the same legal rights.

Should I pay charged-off accounts

The best thing to do if you have a charge-off is to pay the balance in full and settle the debt. If you can't convince the original creditor to remove the charge-off from your credit report, your report shows “charged-off paid,” which proves you're trying to resolve the negative account.

How long can a debt collector legally pursue old debt

Each state has a law referred to as a statute of limitations that spells out the time period during which a creditor or collector may sue borrowers to collect debts. In most states, they run between four and six years after the last payment was made on the debt.

How often do credit card companies sue for nonpayment?

About 15% of collection cases. Usually, debt holders only have to worry about lawsuits if their accounts become 180-days past due and charge off, or default. That's when a credit card company writes off a debt, counting it as a loss for accounting purposes.

How many points will my credit score increase when I pay off collections

Late payments and collections account for 35% of your score, so collection accounts could be dragging your score down 100 or more points, depending on what else is on your report. Unfortunately, simply paying a collection account without getting it removed may not improve your credit score significantly or at all.

What happens if you don't pay a collection agency

fortunately, you have some time before being impacted. After 180 days, "a consumer may be sued on the debt or simply called and mailed letters from collection companies who may settle debts for less than the full balance," Symmes says.

Landlord sent me to collections without notice

Yes, debt can technically be sent to collections without any notice. In some cases, you might not realize the debt is in collections until you check your credit report. Sometimes, you might not realize you owe the debt at all.

how can i fix my credit / how to fix my credit score

Credit repair is not an easy or a quick fix it can sometimes take months sometimes years. but O'rise Finance credit repair will make the process stress-free. as our client, we start by doing a free credit analysis to give you a full unobstructed view of your credit. things that most overlooked could be a factor affecting your score or even the ability to fix the issue. I would say that's how to start repairing your credit.

how do I cancel service if i no longer need it?

If we aren’t meeting your expectations or you no longer need our service, you can cancel at any time. Just remember, credit repair isn’t going to happen overnight.
To do so, you can cancel your engagement agreement at any time by calling 1-866-288-7127.

all cancellation is enforced by the contract agreement.