OUR SERVICES INCLUDE
Personalized Credit Management Options to Fit Your Situation
Experienced Cast Analyst and Case Adviser Who Personally Work With You Through the Entire Process
Custom Credit Challenges Created For Your Case
24/7 Access to Your Case States and Progress
Credit Tools and Educations
THE TRUTH IS…
Over 70 percent of Credit Management Companies are in the business to make a quick dollar. We are not an average credit management company. We focus on the credit laws in place to ensure that your creditors are adhering to the FCRA (Fair Credit Reporting Act) and the FDCPA (Fair Debt Collection Practices Act).
YOU NEED CREDIT MANAGEMENT BACKED BY THE LAWS THAT PROTECT YOU
Creditors know that most consumers don’t know the credit laws that protect them. This is where we come in. Let us fight for you. If during the process, we notice something that does not look right, we can assist you in forwarding your credit case to FCRA or FDCPA attorneys for review if you choose. Sign up for a Free no Obligation Credit Consultation.
WE HELP IMPROVE YOUR CREDIT SCORES BY REMOVING:
Collections
Foreclosures
Charged Off Accounts
Judgments
Late Payments
Inquiries
Tax Liens
Personal Information
Bankruptcy
Short Sales
Repossessions
And More!
Best Of All - You Only Pay for What is Corrected!
Monthly
- Up to 6 items disputed per month on each bureau
- Access to wide variety of credit building techniques and strategies
- Expert credit advisers and personalized plan of action to optimize scores and reach goals
- 24/7 secure client portal access with real time updates on credit management process
- Access to credit education and credit training tips via client online portal
- Inquiries
- Late Payments
- Collections/Charge Offs
- Student Loans
- Repossessions*
- Evictions*
- Tax Liens*
- Foreclosures*
- Child Support*
- Bankruptcy/Judgments*
Pay Per Delete
- All items disputed at once and clients are charged per item removed per bureau
- Clients are not charged for items until after they are removed
- Access to a wide variety of credit building techniques and strategies
- Expert credit advisers and a personalized plan of action to optimize scores and reach goals
- 24/7 secure client portal access with real-time updates on credit management process
- Access to credit education and credit training tips via client online portal
- Inquiries
- Late Payments
- Collections/Charge Offs
- Student Loans
- Repossessions
- Evictions
- Tax Liens
- Foreclosures
- Child Support
- Bankruptcy/Judgments
- Benefits: Low startup cost, Flexible payment options available to pay off balance after items are removed, Faster option to get items removed for clients since all items are challenged at once
THE FACTS
We Have an Excellent Track Record of Improving
Clients Credit Scores
With a better credit score you may qualify for better interest rates and financing terms. Even with just a 20 point increase in your credit scores, you can save TEN’S OF THOUSANDS of dollars in interest on your home, thousands of dollars in interest on your car loans, and hundreds of dollars in credit card interest. Credit management is not a cost, it is an investment in your financial well-being.
Average Length of Services (These Vary and may not be current averages)
Average Improvements in 90 Days (These vary and may not be current averages)
How Our Safe & Effective System Can Work For You
ATTORNEY BACKED CREDIT MANAGEMENT
Credit management is a great option for improving your credit scores and removing inaccurate and unverifiable information from your credit report. If you follow our proven process you can see some of the great as our other clients. Our proven system not only removes inaccuracies but will also help build credit and educate you for maintaining your new-found credit.
In 4 to 6 Months, you can improve your credit scores and start taking advantage of lower interest rates, less fee’s, and the financial freedom of using your credit as a tool. Schedule a free credit evaluation below to find out how we can help you.
OUR MOST FREQUENTLY ASKED QUESTIONS
What Items Can You Help Me Remove?
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
Will Items That Are Removed Come Back?
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
Why Do Results Vary?
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 80% of the negative items from a credit report.
How Long Will it Take to Raise My Score?
Through our services, 93% of our clients see their credit score increase 10 points or more in the first 35 days. Over the full 180-day term of the contract, the average credit score increase is 102.7 points. See full statistical breakdown.
How Much Will it Cost Me?
We have different packages that are tailored to the needs of all clients. For a break down of costs, please see our pricing section.
Is Credit Training and Education Worth it?
Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.
Is Credit Training Legal?
Yes, credit training is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.