Credit Repair
Is Credit Repair for You?
Nearly four out of every five credit reports contain errors! As a result, most people are not receiving accurate credit scores. Therefore, everyday people are also being denied mortgages, auto and personal loans and credit, whether outright or at the interest rates they deserve. Even their ability to apply for a job or apartment can be put at risk. What may look like a minor error, such as one or two 30-day late payments, can reduce their credit score and prevent them from achieving their financial and life goals. If this sounds familiar, we’re here to help people like you reclaim the accurate credit report that you’re entitled to by law and, thereby, gain access to the financial resources, respect, and peace of mind you deserve.
CREDIT REPAIR
$97 monthly
- Credit Audit $149/includes setup
- Full Credit Report Analysis
- Debt Ratio Review
- Action Steps to Improve your credit
- One-on-One Session to Review Account
- Unlimited Dispute Letters
- Personalized Dispute Letters
- Disputes with 3 Major Credit Bureaus
How Our Credit Repair Services Work
Our credit repair services dispute inaccurate and unverifiable information on your credit. Any accounts that you believe may be inaccurate are investigated using consumer protection laws. We use these laws to ensure the bureaus and creditors are reporting the items 100% accurately. If the accounts are not verified or accurate we leverage the laws to get the items deleted from the credit report.
Initial Investigation
After your initial audit has been completed, we create custom dispute letters to deliver to the credit bureaus to start the investigation process. This usually takes up to 3 to 5 days from the date you enroll.
Initial Investigation Response
Once your disputes have been delivered the credit bureaus have 30 to 45 days to respond. Once you receive the results, we log your progress and review the accounts and responses to make sure they are accurate and verifiable.
Escalated Investigations
The next step after the first round of disputes is escalate the disputes with any accounts that have not been verified or corrected. At this point we dispute with the credit bureaus and your creditors to escalate the process. These rounds of disputes may need to be repeated with more leverage and escalation with each round.
Resolutions
If an account can provide documentation that it is accurate and verifiable, we accept the account of dispute and it may remain on your credit for up to 7 to 10 years. If an account still reports inaccurately but cannot provide proof that it is accurate we can help you take actions against the violations whether it is with an attorney or filing complaints with the CFPB.
What to Expect
Credit repair services have a very wide range of results depending on the validity of the accounts reporting. There is no realistic way to predict what will be removed or corrected in the credit repair process.
However you can expect to be treated with respect and care as we help you through the credit repair process. We do this because we care and want to make your experience with our credit repair services as pleasant as possible.
Our Promise to You
We promise to give you 100% effort in helping you achieve your goals! Even though we cannot promise results, we do promise to do everything within our power to safely and compliantly repair your credit.
SILVER MONTHLY PLAN
$99
enrollment/audit fee
$59 Monthly Fee
- Credit Education
- 3 Bureau Audit-Analysis
- 24/7 Client Portal Access
- Customer Service Support
- Quarterly Advisor Call
- Monthly Updates
- Credit Building
- No Contract
- Money-Back Guarantee if No Deletions in 120 Days
- Unlimited Disputes to Transunion, Equifax, Experian
- Access to our members ONLY FB community
GOLD MONTHLY PLAN
$149
enrollment/audit fee
$99 Monthly Fee
- Credit Education
- 3 Bureau Audit-Analysis
- 24/7 Client Portal Access
- Customer Service Support
- Monthly Updates
- Monthly Advisor Call
- Credit Building
- No Contract
- Money-Back Guarantee if No Deletions in 120 Days
- Unlimited Disputes to Transunion, Equifax, Experian, and to All Collections reporting negative, unverifiable, updated
- Access to our members ONLY FB community
PLATINUM MONTHLY PLAN
$299
enrollment/audit fee
$199 Monthly Fee
- Credit Education
- 3 Bureau Audit-Analysis
- 24/7 Client Portal Access
- Customer Service Support
- Monthly Updates
- Monthly Zoom call to discuss monthly goals
- Credit Building
- No Contract
- Money-Back Guarantee if No Deletions in 120 Days
- Unlimited Disputes
- Disputes to all 3 Credit Bureaus (Equifax, Experian & TransUnion) along with Personal Identifiers, Creditors and Collection Agencies. (Inquiries upon request)
- Initial Suppression/Freeze letters to the 6 major consumer agencies and general personal identifier disputes with those agencies of what is being reported on the Credit Report.
- Detailed notes in Portal for every round; will indicate revolving accounts utilizations
- Access to members-only FB community