Happy Credit Services

At Happy Credit Services, we offer a multi-step process customized to your credit repair needs. The goal of our process is to ensure that inaccurate, negative, and unverifiable information removed from your report will not end up there again.

Our credit repair process begins with a consultation to determine your individual needs. After that, we assign you a professional credit repair consultant with the most appropriate skill and experience to represent you. Our consultant will remain with you throughout the entire process.

Multi-step Credit Repair Process

Reviewing your credit reports: Your credit repair consultant will obtain your credit reports from the three credit reporting agencies. A thorough review of the reports will identify inaccuracies and problem areas.

Dispute: Employing your rights under the Fair Credit Reporting Act (FCRA), we initiate a dispute with the credit bureaus regarding all negative inaccuracies in your reports. At times, we will need to re-dispute an item if it has not been removed.

Cease and Desist Collections Activity: In conjunction with the dispute process, we prepare the appropriate legal letters to stop collections calls to your home or business. We also stop the collection agencies from contacting you by mail.

Establish New Credit: Once we have rectified your credit reports, we can help you establish new credit.

We aim to achieve results quickly and within your budget. After we have restored your credit, we will provide you with ways to maintain and even improve your credit scores.

Call us today at (858) 314-8869 to begin your credit repair process.