So is this credit repair?

 

 

No! To us, dispute letters are a tool that can be used to clean things up and remove inaccurate, unverifiable and obsolete information from your credit reports.

We believe "credit repair" strategies are useful in assisting you clean up the 35% of your credit score that comes from payment history. It’s critically important to look at all factors considered in calculating credit scores. Credit repair alone can actually damage your credit scores.

We’ll help to coach and mentor you on the "model behaviors" that the credit scoring model is looking for to indicate the lowest risk and give you the highest score, all the while providing all letters and tools you need. That’s why we are a revolutionary credit  consulting firm. We’ll work with you and for you to deliver strategies you can use for the rest of your life.

It’s not a cookie cutter service—if you need to settle collections, we’ll coach you the best ways. If you’re looking to buy your first home, we’ll help get your score where it needs to be and educate you along the way.

Can’t I just do this type of thing myself?

 

 

There are many things that with enough knowledge and experience you can do yourself. You can file your taxes by yourself, invest in the stock market on your own, represent yourself in court, repair your own car, heck you can even cut your own hair! But then again, many people don’t have the time or the energy to invest in each of these tasks. They like the idea of hiring a professional to assist them with an area the professional has experience, intelligence, confidence, and skills to outperform an amateur.

Let’s face it—we all have an area or subject matter that we have perfected with hours, days, months, and years of diligence and dedication. So increasing your credit scores is easy and can by done on your own, right?

Actually, no—credit scoring is a very complex and scientific process which includes factors far beyond what you’ll read on the web or hear from a coworker or friend. As a matter of fact, you can actually damage your credit scores by removing or paying off some negative information. It’s worth considering hiring someone who can guide, mentor, assist and coach you on the most important factor of your financial life.

Do you offer advice or work with debt settlement?

 

 

Yes. We will map out and prioritize all collections and bad debts and discuss in detail the settlement of such. We outline an action plan that's very easy to follow, providing recommended settlement terms, contact information, order of importance and more. We will even call  the creditors and help settle the debts for you. Our program is designed to provide you with a complete package to improve your credit scores.