Our Services

How Does the Service Work?

We aim to make restoring your credit as simple a process as possible. We will work with your creditors and the credit bureaus to remove inaccurate, derogatory records from your credit history by mail, phone and through consulting with you on what steps you should take.

Did you know that only 35% of your credit score is made up of negative items? Unlike our competitors who focus only on that negative 35% and mail out template dispute letters in the hopes that some items will fall off, we employ a multi-faceted strategy. Not only do we work on that negative 35% (and we do a better job at that by the way – We simultaneously dispute with the bureaus while also requesting documentation from your lenders and collectors that, by law, they’re required to provide if they’re going to report data as accurate on your credit report. If they don’t respond, we win. If they do respond, we pour over their documents looking for inaccuracies to leverage in your favor), but we also focus largely on the other 65%.

We use what’s called ‘Strategic Credit Profiling‘, which is just a fancy word for fitting your credit profile to the credit scoring model. You see, we’ve spent years researching the FICO ‘scoring model’ (the model 95% of all lenders use), and have figured out how to change around your credit profile so it best fits the scoring model, and therefore results in a higher FICO score.

We do all this in 5 easy steps.

1. Call and set up your Free Credit Review

Call us and set up a time to speak to one of our credit experts about what you can do to raise your score. This call is absolutely free and will leave you with invaluable knowledge about your credit and the whole credit scoring model. We also want to make sure we’re a good fit to work together – we don’t just take on any clients….only ones we’re sure we can help.

2. Complete our New Client Agreement

If you decide to retain our services to consult you on your credit score, simply fill out our New Client Agreement, hiring us to consult you on your entire credit score, not just your inaccurate derogatory credit items. We will create a comprehensive credit plan for you to follow to raise your credit score as quickly as possible. We also offer services settling debt, and many times can even get the entire history deleted for you! After you complete your Agreement, you will also receive information so you may login to your account online at anytime and view a report of your credit improvement progress.

3. Follow your Personalized Credit Plan

On a monthly basis, you will receive updates from the credit bureaus on the progress of our dealings with them. You will have to send these updates to us for our records after making copies for yourself. Upon receipt of these updates, please send these for our records after saving a copy for your personal file. We will also create a personalized credit action plan to give you clear direction and concrete steps to raise your credit score.

4. See Your Scores Get Raised

Your credit score should begin improving within the first 35 to 60 days of receipt of our consultation. (If you listen to our advice) We will continue to consult you on your credit for 6 months in many cases.

5. Close Out

After six months, you and your credit adviser can review your file together. You will also be given additional advice on what you can do to continue raising your credit score for long-term results.

QUESTIONS?