To help our clients meet there financial goals at a much faster pace, by repairing, inaccurate, outdated and unverifiable items off their credit reports and providing credit education along the way.
The advent of consumer protection statutes has made credit repair possible and creditors have been working to make it complicated and difficult. I fight for consumers and I have helped develop tools and strategies to make things easier for you — the way it should be.
- Free Consultation
- Personalized Credit Analysis – includes credit score evaluation and recommended solutions.
- Register Below or Mention our Website when you call and get 30 days of credit repair for free!
Call or Register Today!
HOW DOES THE PROGRAM WORK?
My name is Brenda Rivera owner of Br-Fix Credit Repair. I have over 10 years of experience in banking and over 20 years in Humboldt County. I worked for a credit union for 9+ years before I decided to branch out and pursue what I actually love doing, Credit Repair. Over the years, I would help family and friends understand credit and guide them in rebuilding their credit but never looked at it as potential full time job, until my husband approached me and suggested I look into it.
Years of Experience
After years of research and training I have been able to help many clients in our community rebuild their credit in as little as 6 months or less. The average client sees initial results in the first 45-60 days. Although you can attempt to fix your credit yourself, the process can be very frustrating for some. Let Br-Fix Credit Repair fix your way to your financial freedom.
60 DAY-100% MONEY BACK GUARANTEE
We strongly believe you should not have to pay for something that isn’t working.
IT’S SIMPLE, if during the first 60days from your sign-up date, there are no results and you have followed and complied with all of our Terms and Conditions guidelines initialed by you at sign-up, we will refund you up to both of your monthly payments. Just like that? Just like that! Per the Credit Repair Organization Act, NO credit repair company can guarantee a particular score or a specific outcome. But we can promise to dispute/validate every single inaccurate, outdated, and unverifiable item on your credit report, in efforts to generate results in your favor.
FREQUENTLY ASKED QUESTIONS
1) How long will it take to increase my credit score?
All though we can’t guarantee a specific credit score at any time, we can say that on average our clients see an increase in their scores in the first 45-60days. There are five factors that impact your credit scores not just one, which is another reason why we cannot guarantee a specific credit score. Take a look at the chart below for a better understanding of what makes up your credit score and what doesn’t affect your credit scores.
2) Can any removed Item get reinserted on to my credit report?
The chances that any removed item can come back are low, but it can happen. Some key reasons this can happen are listed below:
- Debt is Unpaid
- Debt gets sold to another 3party
- Item gets verified after 30days
However if a re-insertion does happen the FCRA( Fair Credit Reporting Act) requires the credit reporting agency to notify you no later than 5days after the date of reinsertion and the creditor who is reinserting the negative item must certify the information is correct. These FCRA requirements are not always practiced; therefor this leaves room for a new dispute.