Protecting Your Credit Score

Your credit is your #1 asset. Protecting it and staying organized is essential to being financially successful both personally and professionally. Your credit worthiness can be the determining factor for loans, rent, utilities, insurance, interest rates, benefits and employment. Those with low credit scores are missing opportunities to build wealth and potentially losing hundreds to thousands of dollars.


Anyone can dispute things on their credit reports-- all consumers have that right; however most don’t know how to effectively dispute transactions for maximum results. The three credit reporting agencies receive thousands of disputes every day. Most of these are processed by a computer and software program that detects similar information to verify accounts. This is the only effective way agencies can handle the volume of disputes because Federal law requires a 30-45 day timeline to respond and close out disputes. If you hire a consumer credit repair company, they only dispute a few things a time to keep you in their programs for as long as you’re willing to pay.

For 15 years, Charles Knight, President and CEO of a full service credit restoration company- has helped thousands of people save thousands of dollars by improving their credit. EditMyCredit is a longtime client of BookkeeperGirl.

We appreciate Kim and her staff at BookKeeperGirl for keeping us organized and helping our company be the best it can be. We highly recommend her services to any entrepreneur, small business, or growing company who wants to stay organized and be successful.

- Charles Knight, EditMyCredit

Charles' vast experience and formal training from a Legal and Compliance Executive at Experian enabled him to develop his “Forensic Credit Correction” program.

The program includes full data file audits with the credit reporting agencies and individual validation demands to stop companies from reporting or collecting debts. The goal is to bypass the computerized consumer dispute departments and get the disputes escalated to the legal department so you get a human being conducting your investigations. They do this by pointing out specific violations with each individual account on your credit report. This requires the compliance executive to contact the individual companies and provide them the account number and request a new data file for that specific account. If that file is not 100% correct, complete, timely or verifiable, they must remove that account from your credit report per the Fair Credit Reporting Act and the Fair and Accurate Transactions Act. EditMyCredit audits ALL accounts from Day One!

In addition, they follow up with verification requests and individual demands to the companies reporting inaccurate, incomplete, or erroneous information to the credit bureaus per the Fair Credit Billing Act and the Fair Debt Collections Practices Act. This stops collection companies from reporting or collecting debts. In the majority of cases they are successful at correcting or removing over 75% of negative information on a client's credit report and increasing credit scores over 100 points on each bureau. Charles and his team give all of their clients a Lifetime Guarantee on results to protect their accounts in the future.

If you or anyone you know is struggling with low credit scores, please contact for a Free Credit Analysis. They will pull your credit report and help you understand what is hurting you, what is helping you, and what adjustments can be made to maximize your credit scores. If you have negative items on your credit report, they will point out the violations on those accounts and discuss how to specifically address them. And finally, they will provide you with a free quote for their services. EditMyCredit clients save more money than the total investment to restore their credit, and if you’re a victim of identity theft, the program is 100% Tax Deductible.

For more information or to schedule your Free Credit Analysis, contact Charles at 469.609.8068 or by email. is an affordable, online, and trustworthy bookkeeping firm that offers personalized bookkeeping and payroll services. For more information about the firm, contact 866-960-9787 or email

Bookkeeper Girl

1005 Congress Ave. STE 460,

Austin, TX 78701