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Your credit rating determines how you are looked at as a person by lenders, Employers etc. It's sad but it's true.
 

Poor credit ratings can cause you to be disqualified for jobs,
apartments & housing, and even insurance

Even with good credit you can have inaccurate information being reported about you, including people opening accounts in your name without you EVEN knowing it...

Many lenders see a credit score 680 and above to be good credit. We want to help you achieve your best score and beyond! 

We are here to help but here are some keys to having a good experience!

Every situation is different. Some people need a little help, some need a lot of help. Whatever the situation, patience is the key...On average major credit improvements can take anywhere between 4-9 months.

Here are some things you need to know...

1st - Credit reports with multiple negative accounts with collections and charged off accounts can take multiple rounds of correspondence to the bureaus. In some cases, it may make sense to negotiate a settlement to remove negative accounts faster to improve your credit faster. 

2nd -The " Fair Credit Reporting Act" is a set of laws created to protect you the consumer's rights when it comes to how credit reporting agencies such as Equifax, TransUnion & Experian (the 3 majors) report reports information about you collected from your creditors also known as data furnishers. 

Because this information must be both accurate and complete, even if it belongs to you, the laws must be followed, and this is where the bureaus often fail. Therefore, we challenge the credibility of by disputing these inaccuracies for you. 

3rd- When we send these challenges the credit bureaus by law have at least 30 days to process your disputes, add another 5 days or so for your response to arrive in your mailbox. Items can come back, verified/updated or deleted. When items come back verified and we know that errors still exist we now send another round of disputes/challenges. This will also follow the same process and timeline for replies. Because of this process correcting and/or repairing credit items can take some time. The key is to be patient, but our job is to be persistent.

It's normal to have small dips in credit scores while in the repair process. Several reasons but sometimes you can what is called credit age, and this affects your credit score, as well as the fact that new credit accounts can temporarily lower your credit score. Ultimately, the end result is what you are working to achieve. 

Bottom line...having good credit is more important than ever

For this reason, we are here to help
Did you know? There is a report for just about every kind of transaction you make.
Example: CIC (rental tenant screening reports), NCTUE (utilities reports to determine how much you pay for deposits) and many more...
We dive deep for you to see what's affecting your life

**We can STOP collection companies from calling you IMMEDIATELY*

** We can help challenge collections (including medical), charge-offs, bankruptcies,
challenging foreclosure, repossessions on your credit reports.

 *We will negotiate with your creditors in the case of no removal from reports to get settlements
for almost pennies on the dollar *

** While there are no guarantees, we have experience at removing all of these & more ** 

4 MORE REASONS

1) Many people try to improve their own credit but eventually run into walls and don't reference the right credit scores when they go to apply for loans.  
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2) Let's get rid of the thought only people with poor credit ratings need this service...
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 3) We can help people trying to establish credit with several credit builder programs 

4) You get all 3 of your credit scores in one credit monitoring app. 

New credit reports & scores every 30 days. $1M in id theft insurance. Lost wallets, bank information stolen & someone drained your bank accounts. Zero deductible covers pre-existing fraud you did not even know about. The 3 major credit bureaus have all experienced data breaches.