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About Ruth |
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Ruth Van Derostyne the founder of Fix My Score is a credit repair specialist and an expert credit analyst.
Ruth's experience spans over 25 years in areas of 1031 Exchanges, Real Estate sale, loans, foreclosures, bankruptcies, evictions, escrow
title and now credit repair.
Fix My Score began because Ruth saw an opportunity to help people get out of tough and unfortunate situations,
and guide them through consumer rights laws stopping pesty collection companies from attacking them.
FIXMYSCORE will give you recommendations on what can be done immediately, as well as in the long-term, to improve your credit.
After signup, we will assist you in acquiring your credit reports for your examination and ours.
FIXMYSCORE will find negative and damaging information and bring them to your attention. We will then create a plan to repair your
credit report and Credit Score. FIXMYSCORE will dispute any inaccurate or negative credit information, and see that those mistakes are rectified.
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Getting Started with Us |
The Steps of Our Process
Step 1: The process begins when we receive your 3 Credit Reports, from the three major credit bureaus, Experian, Equifax, and Trans Union.
If you do not already have your Credit Reports, we will provide you with the Credit Reporting Agencies’ addresses and phone numbers.
If you are married and have joint debts, such as your car or home, you should mail us all six reports.
We have discount rates for spouses working together to improve their credit.
Step 2: When we receive your reports, we then enter your credit information into our system, Credit Repair Portal.
Your account will include all the specifics of what we have accomplished on your behalf.
Step 3: After logging onto your private Credit Repair Portal account, you identify your incorrect and/or questionable items, with a simple point and
click with your mouse. Each item includes a comment option, for you to explain the item in question. Our client-friendly program makes as simple to use as any
internet shopping site.
Step 4: FIXMYSCORE begins disputing your wrong and/or questionable items directly with the Credit Reporting Agencies.
As your Agent, we will use our knowledge of your rights, under the Fair Credit Reporting Act to dispute these items and repair your credit and Credit Score.
Step 5: Now we wait. The Credit Reporting Agencies have 30 days from the day they receive our dispute letter.
Generally, you can expect a response from the Agencies within 60 days of mailing FIXMYSCORE your credit reports.
You will receive the amended report directly from the Credit Reporting Agencies. When we receive your new report, we update your Credit Repair Portal information, and
continue our investigation and dispute of other questionable items on your reports. And so, this process repeats itself until your credit reports are free of discrepancies.
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