Credit Repair Services

What is a Credit Score?

A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. The most common of the credit score standards is the FICO score by Fair Isaac. The FICO score ranges from 350-850 and is intended as a predictor of whether or not you will be 90 days late on a loan obligation. Fair Isaac uses thousands of credit reports to calibrate the FICO scoring model and is very secretive of the exact formula.

Here is a percentage breakdown of a FICO score:

• 35% - Payment History
• 30% - Debt Ratio
• 15% - Length of Credit History
• 10% - Types of Credit
• 10% - Number of Credit Inquiries

When you hire us, we will work on removing negative items from your payment history. We will also show you how to maximize your debt ratio score, even if paying off credit cards is not an option. Our Company even has methods of increasing your credit history with positive rated accounts that will improve your score. We can also work on removing credit inquiries from your credit report.

Most people are aware of the three credit reporting agencies TransUnion, Equifax and Experian. The average difference in score between the highest and lowest of your three FICO scores is 60 points. This is the result of each of the credit bureaus having different items on their report. some correct, some incorrect and some that are not being reported in full compliance with credit law.

According to the Government Accountability Office, 80-90% of credit reports have serious errors on them, and this does not even include the more minute errors that we look for. If we cannot remove at least 25% of the negative credit items from all three of your credit reports, we will refund 100% of your fee.

How Does the Service Work?

We aim to make restoring your credit as simple a process as possible. We will work with the your creditors and the credit bureaus to remove derogatory records from your credit history by mail and by phone. Here are the 5 easy steps to raise your credit score.

1. Call for your free consultation

Email us for appointment and speak to a member of our staff about what you can do to raise your score and what we can do to raise your score. This call is obligation free and will leave you with invaluable knowledge.

2. Complete our Retainer Packet

If you decide you wish to retain us to raise your credit score simply fill out some simple paperwork hiring us to fulfill your credit needs. We will also need a proof of your address and your social security. At this time you will receive your login information so you may login to your account at anytime to view the progress we have made.

3. Send in Your Updates

On a monthly basis you will receive updates from the credit bureaus on the progress on our dealings with them. You will have to mail these updates to us for our records after making copies for yourself

4. See Your Score Get Raised

Your score should begin improving within the first 35 days. We will continue to work on your file for 6 months.

5. Close Out

After six months you will receive a call from your personal contact and you and your contact will go over your file. You will be given more advice on what you can do to continue raising your credit score.

We are dedicated to all your credit needs. Our team of experts raises credit scores an average of 50 points and will help you close more loans.

How can we help your business?

First: Your revenue will increase. Since the credit score will no longer be an obstacle, you will be able to close more loans.

Second: You will be able to refinance current clients who were approved with less-than-perfect credit, because the higher credit score will put them in a different rating bracket. They will now qualify for a better program, which will allow you to show them substantial savings on paper.

Third: You will be creating goodwill with your clients by being the person who helped them better their lives. This, in turn, will mean more referrals from them.

Fourth: We will keep in touch with you via email to monitor the progress on your clients’ files. This will enable you to take an active interest in the lives of your clients and position yourself as a true trusted advisor.

Fifth: The mere fact that you will be receiving these emails about your clients will prevent you from forgetting about them and give you the opportunity to follow up if you so choose. Moreover, you will have something to talk about with each client, since both of you will have the same status updates.

How long does it take to increase a credit score?

The amount of time needed is different in every circumstance, usually varying between two to six months to remove up to 100% of negative items from a credit report. On average, we remove 60% of negative items with a subsequent FICO score increase of 50 points.

What is your money back guarantee?

Our money-back guarantee is easy to understand. We will refund 100% on your borrower's money if we do not remove more than 25% of the negative items from the credit reports of all three major credit bureaus with-in six months of the time we begin work on your borrower's file. For example, if we are able to remove 100% of negative items from two reports, and 20% from the third, your borrower will receive all there money back. There must be four negatives on the report when the retainer agreement is signed for the warranty to apply and neither the borrower, nor a credit repair company acting on their behalf, may have made attempts at credit repair. Unpaid collections and charge-offs do not qualify for the warranty. Client must send in one updated report from each of the three credit bureaus 5 days after receipt.

How long does your service take?

We work on our client's files for 6 months. Dramatic results usually occur within the first 90 days.

Will you get 100% of negative items removed?

We have been successful 100% numerous times. We average between a 60 and 70% success rate at removing negative items from the credit report.

Why do the results differ?

Our firm uses consumer protection laws to the fullest extent on your borrowers behalf. Sometimes credit bureaus, creditors and collection agencies provide what the law requires, sometimes they do not. Our firm is completely thorough every time in enforcing your borrower's rights, but credit bureaus, collection agencies and creditors are inconsistent, causing results to vary.

How much will you increase the credit score?

Our average (mean) is 50 points within four months, although we have been as successful as 300 points. Although derogatory items on the credit report are a factor, there are many other factors in formulating a credit score. Even if we remove all negative items from a report, a credit score may only increase 40 points due to other factors affecting the score, such as: length of credit history, credit mixture, outstanding balances and number of inquiries.

What items can we remove from a report?

Bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.

What can't we remove?

Nothing.

Will the removed items ever come back?

No, as long as the item is current or paid at the time of removal or the collection is older than three years. This holds true except in very rare circumstances.

What risks will the borrower be taking?

None. The worst we can do is improve the credit and not fulfill our warranty, in which case your borrower will receive a full refund. The best we can do is substantially improve your borrowers credit score and save them up to hundreds of thousands of dollars in interest.

What risks will you be taking?

None. Best case scenario, you will give your client a loan they never thought possible. Worst case scenario, your client gets there money back with an increased knowledge of how the FICO score works and what they can do in the future to raise their score. Keep in mind that of the thousands of clients we have helped, we have been unable to meet our money-back guarantee a handful of times.

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