Our Services
There are two acts, the FCRA (Fair Credit Reporting Act) which was recently revised into the Fair and Accurate Credit Transactions Act (FACT Act), and the FDCPA (Fair Debts Collections Practices Act). These two acts were set up to protect your credit rights. Sounds like legal stuff right? Don’t worry, we have a staff of licensed, legal professionals that understand all of this.
Because here’s where it gets good.
By now, I’m sure you know you want to fix your credit. Here’s how we’re going to do it:
Our Process
Because of those two acts, anyone can get a copy of their three credit reports. Click here to obtain a free trial of True Credit’s 3 bureau credit monitoring program. TrueCredit 3-Bureau Credit Monitoring . You can obtain all three credit reports & scores as part of your free trial. The monitoring service is of great value at $14.95 and allows you 24/7 access to all three of your reports & scores; we strongly adivse clients to stay with the service past the free trial.
After we have a copy of your reports we’ll go through the inaccurate items and work to get as many of them legally removed as possible. Things like late payments, outdated or inaccurate information, judgments, collections…the usual. Basically all the things that home lenders, credit departments, and so on look at when they decide whether to give you that car, home loan, credit card, or interest rate you want.
The bottom line is this…
Any information on your credit report that contains inaccurate and negative information is noted, and then we will attempt to have them removed. We are prepared to go directly to the credit reporting agencies who placed the negative item on your report to remove it. We demand written confirmation of the deletion and a copy is sent to you.
We will also counsel each client on how your FICO score is calculated, methods for helping improve the score (and keep it that way). We can direct you to certain banks and lenders who offer secure credit cards (regardless of your credit history) that will report to all 3 bureaus and help improve your score.
Our credit enhancement program and consultation is available to help you get the credit you deserve. Call or email today to arrange for a free consultation.
Unlike other companies that ask for an up front fee followed by monthly or annual payments… We have a flat fee service charge of only $495.00. Payment will be processed only AFTER all work has been completed and your first round of dispute letters are ready to ship. In most cases this will be 2-3 days from time of enrollment. The $495.00 fee includes the following service package:
1) Up to three rounds of disputes with each of the credit bureaus.
2) In person or phone consultation / review of credit profile
3) Unique user name and password to log in to the online client portal where the client will be able to track progress as well as access bonus materials and education
4) Education on credit, how it is scored, how to increase and maintain a higher credit score.
5) Budgeting and personal finance tools only available through the online portal
6) Each client will receive a personal roadmap to increasing their credit score which will include banks and lenders that work with people to rebuild their credit through secured loans and credit cards that report to all 3 bureaus.