We have been helping individuals, business owners, real estate investors and people from all walks of life restore and improve their credit and increased their credit scores while settling their debts at a fraction of what they owed to creditors.
We are one of the few credit repair company's that can delete negative info from Chex System which prevents people from opening bank accounts.
If We Can't Fix Your Credit No One Else Can
The first step to restoring your credit is to analysis and diagnose your credit report. Just like when you go to a doctor he/she runs test to diagnose what the medical issue is and the same goes for your credit report. You enroll into a credit monitor that we provide you with. You then setup an account, and you email us the username and password. We analysis the credit report, and we email you a diagnosis report. The credit report will give you the three credit reporting bureaus reports and scores. The scores are not accurate and usually off by about 20 to 30 points. The only way to get an accurate score is through a hard inquiry through a mortgage company or auto sales, and we recommend you avoid this as it will be reported on your credit report as a hard inquiry.
You then send us the username and password so that we can access the credit reports from all three credit reporting bureaus. We do a full diagnose of the credit issues and email you the results. We tell you how many negative info you have, how many closed and open accounts and how serious the negative info are. Serious negatives info are bankruptcy, judgments, repossessions, tax liens, foreclosures, short sales and child support. Serious negative info dramatically drops your credit scores by about 100 points or more. We tell you what your credit scores are and what your middle score is which is the one used by creditors and lenders.
You can then decide whether you want to proceed with restoring your credit. You complete an application and submit the fee. We have a payment plan to make payments affordable. However, you MUST make the monthly payments as scheduled. If you fail to then service is stopped until payment is received. The only one you hurt with failing to pay is yourself. We ask that you be 100% committed to restoring your credit report as we are 100% committed to you.
The next step is disputing all of your negative closed accounts and removing them from the credit report. We can only dispute 3 to 5 at one time. Anything higher will be red flagged by the credit reporting bureaus, and we do not want them to red flag the restoration process. Two dispute letters are send per account to all three credit bureaus one via regular mail and the other via certified mail. We mail you the letters, in the envelops addressed and sealed, and you have to take it to the post office and mail it out yourself. It has to appear as you are sending it and doing the letters yourself otherwise it will automatically be trashed. Credit repair companies who claim they work with credit bureaus are lying. Credit Reporting Bureaus will never work with credit repair company because it is not in their best interest too. Credit Reporting Bureaus make their profits from selling your negative info to credit card companies and lenders such as hard money lenders and subprime mortgage companies. Transunion made $10 Billion Dollars last year from selling negative info which is 100% legal. You MUST send the Certified Green Card because when this card is returned to you it will have a date stamped which is when the clock towards 30 days begins. Under the Credit Reporting Act Credit Reporting Bureaus have 30 days to investigate and verify if the account being disputed is accurate or not. You will receive a letter from all 3 Credit Reporting Bureaus telling you whether the account was verified or deleted from your credit report. If it is verified we send a second round of letters asking for the name, title and telephone number of the person who verified the account. 99.9% of the time Credit Reporting Bureaus cannot produce the verification because they do what is called a third party verification which is a violation of the Credit Reporting Act. If the Credit Reporting Bureaus cannot produce this information the account must be deleted from your credit report. If they fail to a third letter is mailed to the FTC who regulates the Credit Reporting Bureaus and fines them for violations of the Credit Reporting Act.
What is the Credit Reporting Act? It is a federal law established by congress to prevent the Credit Reporting Bureaus from keeping inaccurate and false information on your credit report. It prevents them from keeping negative info pass the seven years and 10 years for bankruptcy. It protects consumers against Credit Reporting Bureaus from reporting inaccurate information.
Once we have removed negative info on your closed accounts we begin to do debt settlements on your open accounts with negative info. The goal is to settle the debt at 20-40% of amount owed. It is with the agreement that once it is paid creditor will then report it within 30 days of receiving payment as "Paid" or "Paid as Agree" and removing any and all negative info. A paid collection is as bad as a collection and the negative info has to be deleted and replaced with a positive listing. This preserves the account and the creditline and it automatically increases your credit scores. Creditors prefer to settle at 20 or 40% of amount owed than get nothing at all. When they are threatened with bankruptcy they settle because they know the debt is wiped out and they get nothing. Please note that closed accounts even though removed from credit reports MUST be settled as well otherwise a judgment will be filed in court against you. Judgment will have your pay and bank accounts garnished. Removing negative info does not relief you of your obligations to pay the debt owed.
BANKRUPTCY
We do not recommend bankruptcy unless it is the only way to save your house and should be your very last resort and you last option available. bankruptcies actually does more harm than good and remains on your credit report for up to 10 years. We remove bankruptcies but it has to be 2 years of discharge date before we can dispute it.
DEBT CONSOLIDATIONS
Debt consolidation is financial suicide, and you must avoid it at all cost. If you file debt consolidation you cannot buy a new car or a house for 5 years. You cannot get a loan, or credit cards. The debt consolidation is recorded on your credit report, and you are blackball by lenders and credit card companies. It is viewed as extremely negative. Creditors see it as you are unable and cannot manage your own debts, and you a need third party to help you. We do debt consolidation different, and we do not report it to the credit bureaus. You get a Debt Settlement Personal Loan to payoff all the creditors, and you then pay us one large payment @ 6% interest. Debt Consolidation is basically consolidating your debts into one payment but it has havoc on your credit report and you become untouchable by lenders and credit card companies. If you are considering debt consolidation then you should just file a bankruptcy which does less damage. You can recover from a bankruptcy after two years where your financial life is on hold for five years with debt consolidation.
How Long Will It Take To Restore My Credit
and Increase My Scores?
It various from credit report to credit report. It depends how many negative info you have, how serious they are and how many accounts we have to settle. The average time is about 3 to 6 months but it can take up to 1 year and even 2 years to fully restore your credit report. We cannot remove all of your negative accounts. If we were to remove 100% than your credit scores even if they were 400's would become NA or not available. You would have to start over and rebuild the whole credit report. We delete closed accounts which are useless and reverse open accounts reserving creditlines. Credit scores are mainly determined by your debts and creditlines. If your debts are higher than your creditlines than your scores will be drop. If the creditline is higher than your scores will increase and maintain high scores. The end result is to delete all negative accounts on closed accounts and reverse open accounts to paid and increase your credit scores. Credit repair is a process and it does not happen overnight nor can it be done in 7 or 15 days as advertised by some credit repair companies. Credit Reporting Account says 30 days and credit bureaus use every single day. They will not respond in less than 30 days which is what the law requires. There is no magic formula either and it has to be done the old fashion way which is via letters mailed to the bureaus. If it is dispute online and the bureaus verify it you cannot dispute it again. Stay away from doing dispute online. Also while we are restoring your credit report there cannot be any credit activity whatsoever. You cannot apply for credit cards, bank loans, or lines of credit otherwise it will undo what we are trying to do and achieve. What if you need funding or want to apply for loans and credit cards or buy a new car?
We have the perfect solution which is our CPN with Funding Programs.
We do not do just credit repair because is it a total waste of money and time. All debts whether open or closed must be settled.
Our Credit and Debt Solution Program consists of the following services
· Credit Repair:
Removing and/or Reversing negative information on all your closed accounts
Debt Settlement:
Settle your open accounts at 20-40% amount owed with agreement creditor will report it to Credit Reporting Bureaus as paid or paid as agreed. (Not offered in the Basic Credit Repair
· Debt Settlement Personal Loan:
After we have settle all your debts you get a personal loan at 6% interest for the total amount of the debt settlement. You then payoff the creditors and you pay us one payment @ 6% for the life of the loan. (Not offered in the Basic Credit Repair Program)
· Credit Management and Credit Coaching
12 months FREE:
We help you manage your credit properly. We show you how to use your credit to build wealth and become financially secured. Credit used properly can make you financially secured misuse it and become financial death. We show you how to avoid the pitfalls of getting additional negative info on your credit report.
· Credit Protection:
If you fall into the pitfall we have a way to get you out and that is through our credit protection which protects you against negative info up to 24 months from date we completed restoring your credit report. If you got negative info as 85% of our clients do then we remove it or settle the debt for FREE at no additional cost. In most cases when someone got additional negative account after we completed the restoration they pay us another fee. We created the Credit Protection which guards you against getting additional negative info
· Stop debt collectors calls
· Help you file complaint and law sue against debt collectors who violate your rights
· Remove All inquires regardless how many
· Remove negative info on Chexsystem if you have been denied a checking or savings account
· Obtain secured credit cards with limits of $500 to $2,500 and rebuild your payment history
· 3X Money Back Guarantee
· FREE copy of my New Upcoming Book
· FREE Tickets to All of our Credit Solution Seminars
What is The Cost?
The real question you should be asking yourself is how much are you willing to pay to have an excellent credit report with high lines of credit and credit scores of 700+
We are committed to clients up to 24 months except on the basic credit repair which is 12 months and 60 months on The Ultimate Credit Solutions. We offer much more than any other company does and you won't find a credit repair company that offers what we do not even close. Our mission is not to just restore your credit report but help you become financially secured and create streams of income that will generate you profits of minimum of $5,000 a month and $60,000 a year. How much is what we offer worth to you. We understand that some people cannot offer our prices but we offer a solution to those which may not be able to pay the cost. Those who can't simply enroll into the Financial Security Loan and bridge to our Powerhouse Credit Solutions
The cost of restoring your credit depends on the Credit Solution Program that best fits your situation and whether you reside in the USA or outside of the USA. Our Credit Solution Programs are expensive, and we do not charge $200 or $500. Why? Because credit restoration and debt settlement is a very time consuming job. We do all of our credit repair and debt settlements in house, and we never outsource it to anyone else. When you pay cheap price you get cheap service and in most cases those companies take your money and do absolutely nothing with your credit report. We had a client who was paying a credit repair company $49.95 per month, and she came to us because the company was taking her money and doing absolutely nothing on her credit report. She went from having late payments and collections to charge offs and judgments. We took her credit report and restored it removing negative info, settling her debts, removed the judgments and added tradelines increasing her credit to over 700. Be careful with companies who charge $50 a month or cheap prices because most likely they will take your payments and do nothing with your credit report.
Our prices are high but we also offer payment plans to make it affordable.
Regardless how many negative accounts you have or how serious they are we are committed to removing the negative info and settling your debts and increasing your credit scores to 700 and higher.
We are committed to you for minimum of 24 months, and we will answer any questions you have and address concerns via phone or emails. We will also be saving you money on your debts and interest rates with debt settlement. If you owe $10,000 and we settle at 40% means you saved $4,000 and interest rates too.
Our basic credit repair which is credit repair only is $500, but we only offer this service outside of the USA. We service Canada, Australia, United Kingdom, New Zealand, South Africa, and India
Do not let cost prevent you from restoring your credit and getting the lowest interest rates you deserve to be paying. We have 20 years of experience and guarantee our work
WHY IT IS A MUST YOU ENROLL INTO OUR
CREDIT SOLUTION PROGRAM
No matter what your credit situation might be this is absolutely a MUST for you if you are serious about restoring your credit, settling your debts and increasing your credit scores. we are the only company in the credit restoration service that is committed to helping you restore your credit and becoming financially secured. .