Responding to negative credit history with timeliness & relevance

Responding to negative credit history with timeliness & relevance

Reply on Credit Check (RoCC) is an online applied technology that enables users to review and respond to negative content regarding one’s personal credit history.   RoCC provides a wider range of data points and documentation to prove and assess credit worthiness in an effective and non-contentious manner.

20%

of Americans have an error on their credit report

5%

of Americans are penalised because of these errors

Our Mission

is to become the gold standard of reputation and right of expression by reaching larger populations through conventional web channels.

Why RoCC?

Credit report mistakes can lead to disqualification for mortgages and car loans, as well as increased insurance premiums and interest rates. In some cases, mistakes can prevent individuals from securing a job.   Until now, there were no effective means for consumers to refute credit report errors; nor were there platforms to effectively share rationales for poor credit rating, or vehicles for highlighting a broader set of data points that showcase creditworthiness.

Solution

RoCC enables individuals to regain control of their personal reputation by empowering them to fully express truths regarding their personal financial history.

Impact

Credit agencies will receive a modified report with consumer annotations to correct credit errors and share a full and complete picture of their financial history. An annotated credit report is posted on the RoCC website and is available to anyone whom the user has authorised.

Who will benefit from RoCC?

Individuals

RoCC enables individuals to correct credit report errors and share a full and complete picture of their financial history.

Credit Reporting Agencies

RoCC provides a seamless opportunity for Credit Reporting Agencies to reduce consumer complaints and improve their reputation by delivering more accurate credit reports.

Creditors

Creditors can review a broader set of documents that would otherwise not appear in a traditional credit report to make a balanced and more informed choice on a person’s creditworthiness.

the right to express their truths regarding their financial history

improve reputation and credit report accuracy

access to a consumer’s full and balanced financial history

Sharing truths does not guarantee an improvement on credit rating; however, it allows creditors to make an informed choice so you aren’t automatically discredited.

Who should benefit from RoCC?

Individuals

RoCC enables individuals to correct credit report errors and share a full and complete picture of their financial history.

right to express their truths regarding their financial history

Credit Reporting Agencies

RoCC provides a seamless opportunity for Credit Reporting Agencies to reduce consumer complaints and improve their reputation by delivering more accurate credit reports.

improve reputation and credit report accuracy

Creditors

Creditors can review a broader set of documents that would otherwise not appear in a traditional credit report to make a balanced and more informed choice on a person’s creditworthiness.

access to a consumer’s full and balanced financial history

Sharing truths does not guarantee an improvement on credit rating; however, it allows creditors to make an informed choice without being automatically discredited.

Subscribe to RoCC and start to Tell Your Truth

RoCC is a Right of Reply Ltd company. Visit rightofreply.news and watch the video to learn more about us.
Right of Reply, in partnership with Work For Good donates 10% of its net profits to vulnerable persons without discrimination.