We specialize in helping our clients restore their credit by removing the negative, inaccurate & unverifiable items from their credit reports. We do this through our dispute process which utilizes Consumer Protection Laws such as the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair Credit Billing Act and several other laws. All of our Credit Repair programs dispute identified accounts with the credit bureaus and the creditors with customized letters.
Our services can last up to 7 months but many of our clients are able to get financing within 4 to 5 months from the date they start. We have been seeing an average of over 80% of the items disputed removed by the time our clients complete the program. We have successfully corrected the following types of negative information for clients:
• Collections • Bankruptcy Accounts • Foreclosures • Short Sales • Judgments • Late Payments • Duplicate Accounts • Charge Offs • Repossessions • Tax Liens • Identity Theft Accounts • Student Loans •
Our Credit Repair Services cover the dispute process for all types of negative accounts. We offer several services to meet our clients needs, they are as follow:
- Premium Credit Repair Program:
- Credit Bureau Disputes
- Creditor Direct Disputes
- All types Negative Accounts Covered
- Must have 25 items or less
- 25% on Debt Negotiation Fee
- Service last for 7 months
- Cancel anytime
Individual Cost: $119 Monthly
Joint Cost: $179 Monthly
- Platinum Credit Repair Program:
- Advanced Credit Bureau Disputes
- Advanced Creditor Direct Disputes
- Complaints filed with Consumer Protection Agencies
- All types Negative Accounts Covered
- Free Debt Negotiation
- Free In Depth Budget
- Services last for 6 months
- Cancel anytime
Individual Cost: $199 Monthly
Joint Cost: $299 Monthly
- Pay-Per-Deletion Credit Repair Program:
- No monthly cost
- You only pay for items corrected or removed
- Advanced Credit Bureau Disputes
- Advanced Creditor Direct Disputes
- Complaints filed with Consumer Protection Agencies
- All types of negative accounts can be disputed
The Pay-Per-Deletion program is not a good fit for everyone - it may end up costing you more money than using one of our monthly services but it does have it's place.
| 30, 60, 90, 120+ Day Late Payments *1*6*2 |
$30 |
| Collections with a reported balance under $2,500 |
$30 |
| Collections with a reported balance of $2,500 or greater |
$45 |
| Collections reported opened within the last 12 months |
$45 |
| Judgment *3 |
$65 |
| Tax Liens (Federal, State or Local) |
$65 |
| Client Personal Information *4 |
$3 |
| Charged off, written off, collection accounts, Profit & Loss *2 |
$100 |
| Foreclosure *5 |
$100 |
| Bankruptcy |
$100 |
*1: Late payment: A sum a borrower sends to a lender that is received past the date when it was due. *2: A Charged Off account will be identified by the mark of R9, I9 or O9 on the account listed on the report. If the late payments on a corrected tradeline cost exceed the cost of a Charge Off the tradeline will be priced as the lesser of the two.
*3: Judgment refers to a lawsuit filed against the Client and whether satisfied or not. This may be found under the Public Records section of the credit report. *4: Personal information includes any of the following information: Name, Address, Social Security Number, Date of Birth, Employer or Phone Number.
*5: Foreclosure will be identified by the account rating code of R9, I9, O9, RG, IG, or OG.
*6: Tradeline: Any credit account as shown on a consumer credit report; A line of credit
For Example: If you have 1 late payment on 1 trade line that is removed from all 3 credit agencies the fee would look like this: Late payment = $30 x 3 credit reports = $90 that will be invoiced and due
Accurate and verifiable information cannot be removed from a credit report and no one (including us) can guarantee the removal of any specific item or guarantee a specific credit score.