If you're struggling with a poor credit history..
we’re here to help you take back control!
Welcome To Pearl Mafia
About Us
Our team is ready to act as a Leader to solve any issues related to the development and implementation of the project. At the same time, we understand the peculiarities of the processes of large corporations and are able to coordinate technical solutions with your internal departments and processes.
At our core, we aim to deliver top-notch credit repair services paired with exceptional customer support. If you’re ready to take control of your financial future, Pearl Mafia is here to help.
Contact us today to learn more about our services and how we can assist you on your journey to improved credit health!
Services
Services We are Offering
Here is how our credit improvement services can benefit you
Frequently Asked Questions
FAQs
Repairing your credit is not a quick fix; it’s a process that takes time. The length of this journey can vary depending on the unique details of your credit history and the severity of your credit issues. However, every step you take brings you closer to improving your credit health.
Typically, resolving disputes and correcting errors on your credit report can take anywhere from three to six months. However, the duration may be longer or shorter depending on the complexity of your case and the specific disputes involved.
If you are starting with a low credit score, rebuilding to achieve a good score could take around one year or possibly even longer. This phase in which you move from repairing your credit to rebuilding it is crucial for maintaining good financial health.
Yes! You have the authority and obligation to oversee and safeguard your credit. The Fair Credit Reporting Act is a collection of regulations established by the government to assist you in this matter. If you require assistance, Pearl Mafia is well-versed in working with both the credit bureaus and these legal provisions on a daily basis.
Yes. It is crucial for you to safeguard your credit during the time we are addressing your credit history. If you add additional damage to your credit report, you will be hindering our progress and efforts.
As a consumer, it is both your duty and entitlement to verify the correctness of the entries on your credit reports. In the event that any information depicted in your credit reports does not truthfully reflect your consumer behavior, you possess the right to demand removal of such questionable data. The FCRA (Fair Credit Reporting Act), FCBA (Fair Credit Billing Act), and FDCPA (Fair Debt Collections Practices Act) grant you legal authority to challenge any inaccuracies present in your credit reports through communication with both the credit bureaus and individual creditors.
No, this approach is not effective. The credit bureaus and creditors receive a high volume of disputes every month and are well-equipped to handle them. When we dispute an item on your credit, we anticipate a response as our challenges are tailored and unique.
It is possible for a negative entry that has been removed to be verified by a creditor after it has been deleted. According to the Fair Credit Reporting Act, if this happens, the credit bureaus are required to notify you before re-reporting a previously deleted item. Although it is uncommon, there is a possibility of an item being removed and then replaced on your report.
In order to purchase a home, having a credit score of at least 640 is crucial. Without this minimum score, it will be challenging to qualify for a home loan. Even if you manage to meet the threshold, getting approved can still pose difficulties. To secure desirable interest rates and manageable monthly payments, aiming for a score of 700 or higher is ideal.
When it comes to buying a car, even individuals with low scores as low as 500 may be eligible for a car loan. However, keep in mind that these loans often come with double-digit interest rates. If you want more favorable terms such as single-digit interest rates and lower monthly payments, raising your score to at least 660 is advisable.
For personal loans, the approval process heavily relies on both the requested amount and your credit score. In some cases, individuals with low scores may still get approved for smaller loans. However, aiming for an optimal rate requires having a credit score of 700 or higher.
Credit Repair Programs
Individual(1 person)
$99.00/month
+ $99.00 Initial working FeeNo charge for 5 days
Personal Credit Consulting
Credit Audit and Analysis
Challenges to the 3 Credit Bureaus
Information variation challenges
Procedural Compliance Verification
Escalated Information Requests
Creditor Interventions
Goodwill Interventions
Inquiry Targeting and more..
Cancel Anytime!
Couple(2 people)
$189.00/month
+ $189.00 Initial working FeeNo charge for 5 days
Personal Credit Consulting
Credit Audit and Analysis
Challenges to the 3 Credit Bureaus
Information variation challenges
Procedural Compliance Verification
Escalated Information Requests
Creditor Interventions
Goodwill Interventions
Inquiry Targeting and more..
Cancel Anytime!
Are your Ready to Take Action?
Don’t have copies of your credit reports? Get your free copy here.
Credit Repair Blog
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The Ultimate Guide to Credit Repair: Expert Tips and DIY Strategies
Unlocking the Door to Your Dream Home: How Repairing Your Credit Can Benefit Your Housing Journey
