Keeping Your Life In Check

“The most difficult thing is the decision to act, the rest is merely tenacity.”

OUR PROCESS

We set high expectations for ourselves as a consulting company. You can expect only the best service from our team of  experts. In the economic industry, we are dedicated to helping our clients get back on financial track. We are here to assist you on the journey. We work with credit bureaus and creditors to fix and rebuild tarnished credit. Let our services and experience speak for themselves. We are highly dedicated to ensuring you attain the highest credit score possible, and will work on your individual case for inaccurate information on credit reports.

Analysis

Before you begin the journey of  improving your credit score, you must know where your credit report stands. This is done by generating a certified credit analysis.

Dispute

Federal law permits you to dispute errors on your credit report with the credit bureau. The credit bureau has 30 to 45 days to investigate. If the information is an error, or they can’t verify it at all the bureau has to remove the information

Rebuild

Access to the blueprint to continue to rebuild your credit profile. Learn the five components that makes up the fico score, and how to combine them to maintain a perfect score.

We Help Remove

Collections

The original company with which you created the debt most likely assigned or sold the account to the collection agency after you missed several payments. This type of account usually involves unsolicited call and letters to your home and place of employment. Collection accounts can cause a significant drop in your credit score.

Judgements

When you borrow money, you are legally required to repay the debt. If a creditor sues you for an unpaid debt and you lose, the court will enter a civil judgment against you. A judgment can stay on your credit report for up to 10 years.

Reposessions

A car repossession could happen if you fall behind on monthly payments. This can hurt your credit for up to seven years. It could also cost you thousands of dollars. Not only could you lose your car, but if the bank resells the vehicle for less than what you owe, you may be held responsible for paying the difference.

Hard Inquires

Hard inquiries can be harmful to a borrower’s credit score. Each hard inquiry usually causes a small credit score decrease for a borrower. Hard inquiries remain on one's credit report for two years. Generally, a high number of hard credit inquiries in a short period of time can be interpreted as an attempt to substantially expand available credit which creates higher risks for a lender.

AND MORE

Charge Offs, Student Loans, Bankruptcy, Correcting Personal Information, Child Support, Public Records, Tax Liens


We have also additional services that help manage life and business financial situations.
Get lending with 100% approval rates, No Denials

Frequently Asked Questions

Yes, credit repair 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.

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.

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.

Raising your credit scores doesn’t happen overnight. It is a process that can last up to 1 year depending the credit profile.

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.

 

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.