Welcome to Double R Auto Repair

“Where our patrons are more like friends than customers.”

Opened in 1981 by Robert Knoll, Double R Auto has been providing our customers a competent and honest automotive service facility. At Double R, we are dedicated to performing the highest level of diagnostic services and repair with you, your family and your vehicles as our principle priority.

We don’t take shortcuts during the servicing of your vehicle.

We look forward to meeting with you in the very near future.

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Learn More About Repairing Credit Before You Apply For Auto Loan

Can You Really Fix Your Credit?

First of all, the phrase "Credit Repair" is a misnomer. You cannot simply repair your credit like fixing a flat tire. It takes time and patience to repair your credit, as we have said numerous times already.

Everything that a credit repair clinic can do for you legally, you can do for yourself at little or no cost. The information in this chapter helps you fix errors on your credit report and clean up those "questionable" items. While you may not be able to remove accurate, negative information from a credit report, the law does allow you to request a reinvestigation of information that you dispute as inaccurate or incomplete. There is no charge for this. Also, if the credit bureaus cannot verify information on your credit report, they must remove it. For instance, if a credit bureau cannot contact a collection agency that reports a collection on your report, it cannot verify the information and it must delete the entry

The best way to know that you are getting the best deal out of your car purchase is to shop for rates in various car dealerships. If you pick New Car Canada as your Car Loans Canada lender, they will do all the rate shopping for you. Since they work with reputable car dealerships, you are assured of a great car deal.

Basic Strategy

There are 10 easy steps to repairing your credit, but you must have patience and persistence. The credit bureaus are not always greatly cooperative, or fast moving.

1. GET YOUR CREDIT REPORT.

For directions on how to obtain copies of your credit report. Request them from all three of the credit reporting agencies Equifax, Experian and TransUnion.

2. ANALYZE YOUR CREDIT REPORT

Analyze your credit

3. DECIDE WHICH ITEMS YOU WILL TARGET FIRST .

Make a list of all negative information you find. Once you develop this list, rank each item according to the amount of damage it is doing to your overall credit picture. Rank the most damaging information first, followed by the next most damaging information, and so on.

You will want to get rid of the most damaging items first, so ranking them will help you form your plan of attack. Do this for each credit report, as they may not all contain the same information. If two bureaus duplicate the same bad information, you will need to write to each credit agency individually.

4. REQUEST CORRECTIONS AND DISPUTE QUESTIONABLE NOTATIONS.

What to challenge

Always shoot for a complete deletion of any bad information. Just like a permanently stained dress is not sexy no matter how low the neckline, a blemished notation on your credit report is still a blemish. Thus, don't bother challenging the information within a collection listing, charge-off, court record, repossession, foreclosure, or settled account. Since the basic nature of these listings is negative, changing the information within the listing will yield no improvement. Severely negative listings must be disputed on the basis of complete deletion or not be disputed at all.

Don't forget to dispute personal informationAs a matter of policy, we generally advise disputing everything on your credit report that is not current, including previous addresses, employers and maiden names. As identity theft is becoming so rampant, you don't want'to have anything on your credit report possibly causing mix-ups with other people's information. I know of several instances where a consumer's prior address allowed the poor credit information of another person to creep on to the consumer's report. Be sure all variations of your personal information are completely removed from your credit report. Make it your goal to show only one entry for each of the following: your employer, your legal name (no extra nicknames or maiden names), your current address and your social security number.

The possibility of identity theft is one good reason to remove as much personal information as possible. Another is that they may not be able to verify information without an old address or maiden name, earning you an instant deletion.

5. DOCUMENT YOUR CREDIT REPAIR EFFORTS .

Documenting your efforts is such an important part of the process, that an entire section has been dedicated to it. See The Importance of Documentation, which follows the last chapter.

As soon as you have ordered your credit reports and photocopied your credit report order letters and checks, you must create a precise organizational system to track your correspondences with the credit bureaus and your creditors. Why? Unfortunately, credit items you have worked so hard to remove can mysteriously reappear. If this happens, it is usually easy to have the items deleted again if you show your complete records on the first removal. Why take a chance? As you proceed through these steps, keep copies and records of all correspondence you send and receive, in addition to notes on all telephone conversations! Also, if you should encounter any special difficulty and would like help in repairing your credit, you will need these records to proceed

Every time you have a telephone conversation with a creditor, you must document the conversation by recording the name of the person to whom you spoke, his position, the date and time of the conversation, what was said in the conversation, and what was agreed upon.

6. W AIT FOR THE CREDIT BUREAU TO FINISH INVESTIGATING .

The Federal Trade Commission notes that inaccurate credit reports are the number one source of consumer complaints, and that it is quite common for problems to take six or more months to be resolved. All of the big three agencies are working on making sure that all disputes are handled within 30 days.

If the new investigation reveals an error, you may ask that a corrected version of the report be sent to anyone who received your report within the past six months. Job applicants can have corrected reports sent to anyone who received a report for employment purposes during the past two years. However, this is unlikely to repair any damage done when your credit report was first pulled, so don't waste your time or energy on this approach.

7. EVALUATE THE RESULTS OF YOUR REPAIR EFFORTS.

Okay, so you saved the original credit reports you ordered, didn't you ? And each item you challenged? Good, you will need them to evaluate how well you did. It's all part of Step 5 above documenting your efforts.

When you get your "repaired" credit report back from the credit bureaus, the bureau will summarize what changed on your credit report due to your challenges. You can compare this list to your own notes or to the previous credit report.

8. I F A D ISPUTED ITEM COMES BACK AS " VERIFIED " REQUEST THE METHOD OF VERIFICATION .

If you get a notice from your the credit bureaus telling you the information you disputed has been verified as accurate, you can request the method of verification, which is your right under the FCRA section 611 (a) (7). The credit bureau must give you this information within 15 days of the request.

This is an extremely important tool, as most credit bureaus these days are not doing a thorough job of investigating disputes.

Each credit reporting agency has a different process for handling these disputes, but all three use a similar system. The three bureaus collaborated through their trade organization to automate the entire reinvestigation process using an online computer program, E-Oscar

9. C ALL OR WRITE THE ORIGINAL CREDITOR AND ASK FOR PROOF THAT YOU WERE LATE , OR THE TRADELINE IS NOT YOURS , ETC .

It is up the creditor, such as a credit card company, auto or mortgage loan company to report information about your accounts accurately. If they are unable to provide you with proof of the negative listing, and you insist that the information they are reporting is inaccurate, then they could be in violation of the FCRA, section 623. As explained previously, DO NOT contact the original creditor if you have not first disputed the negative item with the credit bureaus.

For a long while it was difficult to sue the original creditor for providing inaccurate information, and therefore consumers did not have much luck trying to force creditors to do any research. Per the new provisions in the FCRA, you are now allowed to take the original creditors to court to force them to either prove negative information or remove it from your credit report. [FCRA 623 (a)(8)] For a list of potential creditor violations, see Chapter 30 How to Fight Back in Court Against Your Creditors .