We are a family business, started by Paul Ribera. His son, Michael Ribera continues his legacy in business and philosophy. Along with Leiha & Angie we have dedicated our wisdom, veracity and wholeheartedness towards the growing need for real credit restoration & direction. Our goal is not just to improve your credit, but educate you on how credit works not only 'in general' but specifically 'for you'. We guide you through the process and explain everything to expect as you go along. We have helped thousands of clients repair their credit over the past 2 decades, and have helped them to achieve their personal goals in life.
We are a company that bases its reputation on the quality of work we have provided for our previous clients. We understand the level of sensitivity needed to treat each client with the utmost respect and professionalism. Everything we do is confidential and based on a case-by-case service.
South Shore Credit Management can help you not just repair your credit, but guide you in rebuilding on your own as well. With better credit history we can help you in achieving your goal of: purchasing a home, car, or refinancing your mortgage, applying for a better position or promotion; but more importantly moving forward in life with a better sense of confidence! If Spanish speaking assistant is needed, please ask for Angie! We are here to assist in any way we can.
Once the credit report is evaluated by our staff, we can then start the process of repairing your credit. It is a month-to-month process in which we systematically dispute the negative and/or incorrect credit history on your behalf. We dispute directly with the credit bureaus so that the changes are immediate. We always put the client first and respect the value of their time.
Our process demands validation and verification of derogatory information using the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the Fair and Accurate Credit Transaction Act. These three laws have been established to protect consumers’ credit reports. We dispute late-dates, collection accounts, charge-offs, bankruptcies, judgments, repossessions, students loans, inquiries, etc. Creditors and credit bureaus are legally obligated to produce documented evidence within a reasonable amount of time, generally 35 days, on any claims they make. If they cannot validate their claims, they must remove any undocumented information from the consumers’ credit report.
Did you know?
~ 68% of all credit reports contain errors.
~ 34% of all credit reports contain errors serious enough to result in the denial of possible credit.
~ 38% of consumers have variances of 20-30 points or more in their credit scores as reported by each of the credit bureaus.
~ 72% of all credit reports contain personal information that is incorrect, misspelled, and outdated.
These errors are costing consumers billions of dollars in unnecessary costs. How much does inefficient and inaccurate reporting cost you? No matter how bad someone’s credit may seem, we offer services that may help improve or even totally repair your current credit situation.
Our company works with individuals before they become our client to ensure that our service is right for them. Once one of our representatives have reviewed your credit history with you, explained how the process works, explained the cost, and explained the estimated time-frame to repair it, the decision is left up to the client on when they want to move forward. To schedule a FREE Consultation, feel free to either call or email us.