When you have a bad credit score, it can feel like the whole financial world is against you and life becomes more difficult.
Millions of Americans need to repair and build up their credit in order to qualify for a home loan, lease an apartment, obtain a car loan, to get a credit card, get a cell phone, or even apply for a dream job. Your credit score even impacts the rates you pay for car and homeowners insurance. By restoring and building your credit, you can save thousands of dollars in lower interest on payments and much more.
We can help you to remove inaccurate information from your credit file as well as enhance your credit with tradelines suited to your needs. Our clients on average will get 50 to 90% + of their issues permamently deleted in 35 to 90 days; some files may take longer if there are more errors to be removed. Every file is different so we work each one case by case to optimize for the best possible results.
YES! This is highly effective for a credit score after
a collection, delinquency, bankruptcy, divorce, Identity theft, judgement, late payment, or foreclosure. We work on all of these.
79% of all credit reports contain errors!
This means that most credit reports can be improved instantly. We work on correcting innaccurate and misleading personal data on your credit report. Also innacurate and unverifiable credit and collection information must be complete, accurate and verifiable otherwise you have the right to dispute the account.
A credit sweep is a form of credit repair which is 100% legal and it works because of the law. The Fair Credit Reporting Act (FRCA) gives you the right to dispute any item on your credit report. If an item cannot be verified, it must be removed. This is the basis of all credit repair.
The FCRA is a U.S. Government legislation enacted to promote the accuracy, fairness and privacy of consumer information contained in the files of consumer reporting agencies. It is intended to protect consumers from willful and or negligent inclusion of inaccurate information on their credit reports.
What takes other companies 9-14 months, takes us ONLY 35 – 45 days for the first round of results. Every credit report is different. If additional rounds are needed, it will be an additional 30 days for each round.
Note that you will continue seeing improvement throughout this entire process given you follow our guidance to maintain your results and empower a lifetime of good credit decisions.
No! Old established accounts are built into your account history which is a huge chunk of your credit score. If you have old credit card accounts that you want to stop using, just cut up the cards or keep them in a drawer, but keep the accounts open. Old accounts are your postive credit.
Positive credit takes YEARS to build and if you ever needed to purchase it in the form of a tradeline, it is very expensive. Your old accounts are important, do not close them.
Silver: $499 down, $99 a month for only next two months.
Gold: $700 – this package includes expedited service.
Platinum: $1500 – Credit sweep PLUS aged tradeline combo, expedited service included.
Note: Our fees are to cover processing and personnel fees, they are not for the actual credit repair itself.
EVERY credit report that we work on has improvement! If we do not produce results, then we have no business accepting your money.
We guarantee your credit score will improved
otherwise we will refund your money.
Disclaimer: If you have a new derogatory account, run up your credit card balances over 30%, miss a payment, and/or have multiple new credit inquiries, we can see this and it will cause a reduction in your credit score, ultimately undoing all of the progress we made. Don’t do that to yourself!
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