Credit Repair and Recovery

Bad credit generally describes a record of past failures to keep up with payments on your credit agreements, resulting in the inability to get approved for new credit. Having a lot of negative records, late payments or possibly a loan default on your credit report can undoubtedly result in lower credit scores Your credit score isn’t just a number. Good credit can open doors, while bad credit can stop you dead in your tracks. That’s because more and more businesses are using your credit to make decisions about you. At Bf Solution we offer a credit resolution team providing a customer experience with an effective credit improvement process. Our credit repair service includes everything you need to find and dispute errors on your credit reports making the most of your credit scores. We offer a credit Repair and recovery service in 4 stages 


At Bf Solution we provide a detailed analysis of your credit report for your review highlighting the most complete information about your potential dispute candidates, including those you might miss yourself. There are many hard-to-spot compliance issues that can cripple your credit scores but which would not be found without knowing what to look for. We offer an experienced team whose goal is to identify all account issues  


The identification of the errored items on the account gives birth to the next stage of the repair service. We offer a rapid dispute cycle designed to deliver an efficient, honest and valuable solution. We take an approach of disputing 5 items per bureau this approach has proved successful resulting in a number of items successfully examined by the credit bureaus. We provide multiple dispute procedures depending on the issue presented sue presented  

A) Customized Disputes

Our customized dispute letters are crafted with an understanding of the procedures employed by the credit bureaus, and honed by over twenty years’ experience. Everything about this dispute process plays an effective role in the disputing process. 

B) Customized Re-Disputes

In a situation our request is challenged by the credit bureaus we do not give up, and we do not send the same dispute letter again. We send a customized response designed to maximize the likelihood of success.

C) Statute of Limitation Research

Prior to disputing a collection account, we check the statute of limitation for the debt. The status of the statute of limitation will determine our options and allow us to pursue the best course of action.

Credit Rebuilding

We offer a credit rebuilding guidance assisting you with opening and managing of a new card balancing your FICO score results. secured credit cards are one of the perfect ways to rebuild. 

How is my Credit score evaluated?

FICO Scores are used by 90% of top lenders to make decisions about credit approvals, terms, and interest rates. FICO Scores are calculated using many different pieces of credit data available in your credit report. This data is grouped into five categories: payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and credit mix (10%).  


What affects my credit score?

  • Late Payment  
  • Having a charge off status on your account   
  • Loan default   
  • Property foreclosure   
  • Ignoring your credit cards bills  
  • Having your account sent to a third-party debt collector  
  • Maxing out and over-the-limit expense on your credit card  
  • Closing Old Credit Cards  
  • Closing a Credit Card That Still Has a Balance  
  •  Making several credit or loan applications within a short period of time  
  • filing for bankruptcy. 

How we help

A) Customized Disputes

  • We will assist you with the following  
  • Paying all your bills on time, every month 
  • Bring past-due accounts current assisting with making on-time payments going forward. 
  • Consider setting up automatic payments or payment reminders to help ensure you aren’t ever late with a payment.

B) Utilization of Credit Ratio

credit utilization ratio compares the total amount of credit you have available, based on credit card limits, to how much of your available credit you’re actually using (your balance). We can assist you with the reduction of your credit utilization ratio by: 

  • Paying off credit card debt. 
  • Keeping credit card balances low or at zero 
  • offering credit counseling avoiding closing accounts. Because when you close an account, you reduce your amount of available credit, which in turn affects your credit utilization ratio.

C) Offering a Secured Credit Card

By assisting you getting a secured card each month to make small purchases and then paying off the balance in full, you are demonstrating your ability to manage credit. Using your payment history to boost your credit score  

Negative Effect of a Low Credit

Getting Approved for a Loan Can Be Difficult

Your credit score directly affects your likelihood of securing approval for a new loan or credit application. The lower your score, the less likely you are to find a willing lender. A bad credit score leads to rejection of loans, but what one may not realize is the fact that these rejections will further lead to losses. 

Higher Insurance Premiums

Insurance companies consider credit score as an important factor in determining the premium amount. It is a fact that people with bad credit score have an increased risk of high insurance claims. Therefore, credit history is particularly important to insurers. According to the National Association of Insurance Commissioners, 95% of auto insurers and 85% of homeowner’s insurers factor credit into their policy decisions. meaning people with lower credit are most likely to pay higher premiums than someone with better credit.  

Difficulty getting a job

A survey by ,  displayed a think tank that focuses on consumer finance issues, one in four job applicants have had their credit run, and one in seven has been advised that they were denied a job due to poor credit. It is becoming increasingly common for companies especially in the financial industry to run a credit check on the prospective employees as a condition of hire. A bad credit history may land you in trouble and it may be difficult for you to get a job you want  

Difficulty getting a rental property

If you’re applying for an apartment lease, the landlord is likely to run your credit, From the landlord’s perspective, the need for a pre-lease credit check is understandable, as applicants with lower credit scores are statistically less likely to make timely rent payments. As the saying goes “If you watch close, history does nothing but repeat itself.” implying Landlords are especially wary of applicants with patterns of late payments, delinquencies, foreclosures, and bankruptcies in their credit reports.  

Therefore, if you have got a bad credit score, there are high chances that most landlord might be less inclined to approve your lease  

Higher interest rates

Low credit scores typically mean higher interest rates, and that means higher finance charges on your credit card balances. The impact of higher rates can be enormous as the rate difference of even 1% can make a huge difference in the total cost of the loan. Example if you applied for a total loan amount of. $10,00,000 and you have a questionable credit score, you may be required to pay a 15% interest rate whereas a person with healthy credit score can get the same loan for 10% on the interest rate. Meaning you are paying extra $50,000 because of your poor credit score.  


Sure, your credit is your own, you just need to be aware that applying for new credit will add new inquiries to your credit report which will impact your credit score. 

There isnt a specific time frame listed Creditors control the information they provide to the credit bureaus. Generally negative items will stay on your credit report for seven years, bankruptcies will stay for ten years, hard inquiries will stay for two years and some unpaid student loans can stay forever. 

Paying your bills every month will build your credit history. If they are revolving or installment accounts, paying your bills every month will build your credit history.  

We will offer assistance the needed assistance mitigating, shaving and consolidating your debts with your creditors or lenders with our debt relief programs for more information visit our debt relief program CLICK HERE   

How long does it take to see results?

 A finite amount of time cannot be given because results and situation progress all depend on the unique situation of each separate case hence, we work on a cycle-to-cycle basis formulating strategy’s approaching goals, situation and the number of questionable items that require rectification.  

Our experts will be working side by side with you with the goal of rectifying all situations with crystal clear processes accompanied by experts who are at your aid 24 and within contactable distance.