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Credit Solutions

Why is Credit Repair Important?

Credit repair has always been necessary. Mortgage, auto, and personal lenders have long relied on your three-digit credit scores to determine if you are creditworthy enough to qualify for a loan. Lenders also depend on your credit scores to determine how much interest you’ll pay on these loans. But today, lenders aren’t the only ones who rely on these scores when making financial judgments. A fast-growing number of employers tap into the credit information of many job applicants when making hiring decisions. Those with low credit scores might lose out on their dream jobs. Even auto insurance companies often rely on credit scores when setting policy premiums. It’s evident that having a solid credit score is the key to a stress-free life today.

  • You Provide the Information and We Do the Work

  • We Start Immediately with Analysis, Contacts, and Corrections

  • Communication - We Inform You of Every Correspondent

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Credit Scores

So, How Do Credit Scores Work?

National Credit Bureaus (TransUnion, Experian, and Equifax) keep tabs on your credit history, issuing three different credit reportsshowing how well you pay your bills each month and how much credit card debt you currently have and how many open credit card accounts you have. If you miss monthly payments or run up too much debt, your credit scores will eventually fall.

 

If you have recent bankruptcies or housing foreclosures in your past, your credit score will drop too. In general, credit scores over 620 are considered acceptable. If you have a credit score of 720 or higher, then your credit score is deemed excellent and will guarantee borrowers the lowest interest rates. Apart from this, if you already have a high credit score, you’ll also avail of lower insurance premiums, in many cases, and a better chance to land that high-paying job.

 

Critics say that neither employers nor auto-insurance providers should use consumer credit scores.

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We Will Help You Rebuild Your Present

We then educate our customers on everything from the basics of managing their credit properly to maximizing what resources remain. At this point, we will do what we do best to restore your credit report to a pristine slate and tighten every nut and bolt along the way.  A custom restoration plan will help you prioritize payments and keep your accounts in a positive status. Each general approach includes the following steps.

  • 1. Help identify erroneous items on your credit report

  • 2. Manage the dispute process

  • 3. Suggest a credit management plan to raise your scores

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We Will Help You Restore Your Future

Our Credit Navigators will give you the direction to rebuild positive credit and provide invaluable knowledge on making prudent buying decisions in the coming future.

Whether you are looking for a home or auto loan, a security clearance, a new high-paying job, or just wanted to start fresh in life, we will surely help you reach your destination through credit education and proper guidance.

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Here’s Our Working Process

Simple and Successful 

  • Free Credit Report Evaluation

    Your credit consultant will look at your TransUnion, Experian and Equifax credit reports and go over them with you step by step. If you don’t have your current reports, we can do them instantly for you.

  • Customized Credit Repair Plan

    Once you decide to proceed with our credit repair program, your navigator will establish a path to get your inaccurate items removed from your credit reports following the FCRA, HIPAA, FCBA, and other consumer laws.

  • Transfer Correspondence

    You will begin to receive correspondence from credit reporting agencies within the first 30-45 days. Simply send any correspondence to us by using the labels that we provide to you.

A General Timeline

Whether you are looking for a home or auto loan, a security clearance, a new high-paying job, or just wanted to start fresh in life, we will surely help you reach your destination through credit education and proper guidance.

In 5 Days

We will send you our first round of investigations to the credit bureaus. Expect a response from them in the mail within 30-45 days..

You will receive a credit survival guide from us. Follow the steps in that guide to find your way correctly.

After 45 days, you’ll need to double-check everything. By this point, you should have received and forwarded mail to us from ALL three credit bureaus. If not, let us know immediately.

This is the stage where you’ll have to constantly check or view your progress online—log in to your account to view updates and improvements. Let us know if you don’t see continual activity and mail from creditors.

In the final leg of your journey, we compare before and after results. We will also assist you in the home or auto loan approval process.