Did you know it is your right to challenge the accuracy and completeness of any information in your credit report?
Credit restoration involves identifying and disputing inaccuracies in your credit report, obtaining new credit, and effectively managing existing debts.
These three processes together strengthen your credit profile and ultimately lead to higher credit scores.
Higher credit scores boost your overall financial health and make life easier. They improve job and rental prospects, increase qualifications for home and car loans, provide lower interest rates on cards and loans, lower your insurance premiums, and often eliminate the need for deposits.
Credit repair is the strategic process of challenging errors
and effectively managing existing accounts in order to elevate your scores.
A better credit rating can lead to an easier life: lower interest rates, better rental prospects, reduced insurance costs, elimination of deposits, better business and investment opportunities – sometimes, even a better job!
Unlike many credit repair organizations, we do not charge exorbitant fees. In fact, we will provide a free credit analysis whether you are a client or not. And our pricing model is pay per delete.
We believe in helping you through this journey - not causing more harm. Therefore, we will even put fees on flexible 0% interest payment plans.
We believe in rebuilding simultaneously. We report our clients' payments, as payment history is the largest contributor to your credit score.
As an added bonus, we report as an installment account, which enhances your mix of credit and is especially beneficial for mortgage-specific scores.
We keep a tight network of contingency-based attorneys to whom we refer FDCPA & FCRA cases. We conduct routine reviews to help identify any claims our clients may have against abusive debt collectors or in cases of negligence by the credit bureaus.
This service can even put money back into clients' pockets.
We take pride in our 180-day Money-Back Guarantee. If we are totally unsuccessful with garnering deletions for inaccurate information on your credit reports, you'll be eligible for a full refund.
The Fair Credit Reporting Act lets us directly challenge credit bureaus on any inaccurate or unverifiable report content. If they can't prove an item's accuracy or reinvestigate within the legal timeframe, they must remove it from the report.
As noted in our payment reporting, we are concerned with rebuilding just as much challenging. We believe in educating you to improve your overall financial health and wellbeing. Using our exhaustive knowledge of credit scoring, we know how to help you optimize your scores