Credit Repair/ Bookkeeping

Phone: 303-827-1288

Have you ever wondered how much time you will save with an external accountant? PACA is here to help you by reviewing your financials and provide you with a plan of action giving you less stress and more free time to enjoy.

Credit Repair

Credit repair is the process of fixing your bad credit through the removal of inaccurate, negative information on your credit reports. Credit repair is about cleaning up your credit report to boost your credit score.

Your credit score is only as good as the information on your credit reports. When your credit report doesn’t show accurate information of your credit history, your credit score has not been calculated correctly and that’s when you need to act. PACA can help you with your credit repair.

PACA will submit disputes to the credit bureaus on consumer's behalf. A dispute is a formal request to verify the accuracy of a piece of information in the credit report. Credit bureaus have 30 days to respond to a dispute and during that time, the items being disputed aren't factored into the individual's credit score. If they're unable to verify the disputed information in the report, they must fix or remove it entirely.

PACA offers a Client and Affiliate Portal so we can do this process together, you can follow up your own progress and verify that we are working for your success.

1. Free Credit Report Analysis: The first step in the credit repair process is to obtain a copy of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) and analyze them for errors and inaccuracies. At our credit repair company, we offer a free credit report analysis to help you identify potential issues.

2. Dispute Errors: If you find errors or inaccuracies on your credit reports, the next step is to dispute them with the credit bureaus. PACA will submit disputes to the credit bureaus on consumer's behalf. A dispute is a formal request to verify the accuracy of a piece of information in the credit report. Credit bureaus have 30 days to respond to a dispute and during that time, the items being disputed aren't factored into the individual's credit score. If they're unable to verify the disputed information in the report, they must fix or remove it entirely.

3. Address Negative Items: If there are negative items on your credit reports that are accurate but are hurting your credit score, our credit repair experts can help you develop a strategy to address them. This might involve negotiating with creditors to remove or settle the negative items, establishing a payment plan, or disputing the negative items if there are errors or inaccuracies.

Working with PACA could certainly save you the time and frustration of trying to navigate the credit world yourself. PACA also know what can and cannot be done with a credit report.

Bookkeeping Services

PACA will be your outside accountant and payroll specialist for your small business. This will allow for you to be able to focus on other things that are more important. PACA can either take over your current bookkeeping, help you start a bookkeeping system using QuickBooks, or review your bookkeeping occasionally to make sure everything is running smoothly. Our team is highly skilled with QuickBooks and can help you learn the ins and outs. Our team is also highly knowledgeable about what is required to execute a smooth and accurate payroll. We will make sure that your employees get paid what they earned and we also make sure that the proper taxes are set up correctly according to your situation.

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