At CreditWize we understand the value of credit and the absolute necessity of an excellent credit score in this day and age. Even if you are not in the market for a new house or a new car, your credit score can still haunt you and cost you hundreds or even thousands of dollars in additional deposits, fees, and interest. Traditionally, your credit score was used solely by lenders to determine the risk of extending you credit, the interest rate you would pay and the types of credit the lender would extend to you. The worse your credit, the more you paid in interest and fees, if you were approved for credit at all. Now, your credit score is used for far more. Credit scores are now used to determine your ability to rent a house or apartment, the rates you pay for auto insurance, renters insurance and homeowners insurance. That's right, bad credit; Higher insurance rates. Employers, government and private, are now using your credit score in determining whether or not to offer you a job. If you have poor credit because you lost your job, you will not be able to get a job because you have poor credit. Phone companies, gas companies, electric companies and cable companies all use your credit score to determine what to charge you and what services to offer you, if any at all. Poor credit, forget about that DVR or second cable box for your bedroom. Even cell phone companies are using your credit score. Not only will they use your credit score to determine whether or not to allow you to open an account, they will use it to determine what type of phone you can get. With poor credit, you will be lucky to get a flip phone. The necessity for excellent credit cannot be overstated. CreditWize specializes in helping you understand your credit. CreditWize will show you what is on your credit report thereby showing you how the world looks at you, as a reflection of your credit score.. CreditWize uses aggressive strategies and conventional dispute methods to ensure maximum results in restoring your credit. Our process is based on knowledge of consumer laws and experience with the credit bureaus. We take advantage of your rights as established by the Fair Credit Reporting Act (FCRA). We want you know that you have the right to question any information on your credit reports that your feel may be questionable or inaccurate. If a questionable item cannot be proved then it must be removed. CreditWize works in a 4 Step process that is extremely geared at providing world class customer service and results. "Credit repair services" means all actions taken by CreditWize,on behalf of Client,related to the removal of any errors,misrepresentations,outdated and/or unverifiable information from Client's Credit Report(s),and/or any CreditWize's attempt to remove the same,as permitted under New York State Law and Federal Law (15 U.S.C. S 1681 et seq.).