IMG_0255_edited.jpg
IMG_0285.PNG
ClientLoginButton.png
badcreditchangeyourlegacy

FICO Scores are the most common scores used. They have multiple versions each with its own algorithm. FICO Score 8 is the most common version of credit scores.

 

 Your Score is Calculated as follows:

​ 

  • Payment history (35%).  ​

  • Available Credit (30%)

  • Length of Credit History (15%)

  • New credit (10%)

  • Credit mix (10%)

ARE YOU READY TO STOP GETTING DENIED OR PAYING HIGH INTEREST RATES BECAUSE OF YOUR CREDIT SCORE?

LET US HELP YOU GET THOSE NEGATIVE ITEMS REMOVED AND GET YOU APPROVED FOR THAT NEW HOME, NEW CAR OR BUSINESS FUNDING!!!

REAL RESULTS FROM OUR CLIENTS

IMG_0277.PNG
IMG_0067.JPG
IMG_0068.JPG
IMG_0278.PNG

Get Started Today For As Low As $200 and then only $99 a month.

IF YOU DONT SEE RESULTS WITHIN 180 DAYS.....
284-2840770_quality-guaranteed-png-picture-results-or-money-back_edited.png
ClientLoginButton.png
faq-design-template-f179d5453d3dced094b5b79945bdf46c_screen_edited.png

Is Credit Repair/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.

​Is Credit Training and Education worth my time and money?

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.

​What can I expect when I enroll in Credit Education?

We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.

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 80 points. 

Why are your results different?

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 70% of the negative items from a credit report.

Will the removed items 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.

What items can you help me to remove and improve?

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.

TERMS & CONDITIONS

Prior to starting credit education and document processing services, you will sign a client agreement along with the following:

  1. Credit Service Agreement

  2. Authorization for Credit Repair Action

  3. Consumer Credit File Rights (CROA Disclosure)

  4. Right Of Cancellation Notice

The services we perform may include

  • Document preparation and credit education.  We will evaluate your current credit reports as listed with applicable credit reporting agencies and work with you to identify inaccurate, erroneous, false, or obsolete information. You will choose which items you would like to dispute. We will advise you on steps to be taken to dispute any inaccurate, erroneous, false or obsolete information contained on your credit reports.

  • We will prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in your credit reports.

  • You will forward to us your correspondence received from the credit reporting agencies and we will assist you in further correspondence with those agencies.

  • Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours. 

In return, for the services above, you agree to pay fees as outlined in your client agreement. You have the right to cancel your contract for any reason within 3 business days from the date you signed it. Just send written notice as outlined in your client agreement.

It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney. ​