Complete Credit Repair Service:
Of course we use the latest computer technology,
but we rely on our extensive knowledge of the Fair and Accurate
Credit Transaction Act of 2003, Fair Credit Reporting
Act, the Consumer Credit Reporting Reform Act, the HIPAA and the
Fair Debt Collections Practice Act, along with years of
experience and time proven letters, documents and forms. Our
services can remove negative inaccurate, unverifiable and
incomplete information from your credit reports, including
charge offs, bankruptcies, judgments, repo's, foreclosures,
collections accounts, student loans, tax liens, and slow pays.
And you can check the status of your account on-line
anytime!
We will communicate with the three major credit reporting
agencies, (Innovis and Check Systems, if necessary) on your
behalf, via telephone, fax, internet, e-mail and/or written
communications (whichever it the most affective for that
particular situation). We will also monitor the correction
and deletion of negative inaccurate, unverifiable and
incomplete information from your credit reports for
as long as you remain enrolled in our program. We do a FULL investigations and dispute process, with
the bureaus, AND the creditors, collections agencies and
courthouses. We also defend your rights to have all of
these things done in accordance with the procedures and
timeframes laid out in the laws! We are not just a dispute
mill, and we would certainly never ask you to go to our
website and create your own disputes and letters like some
of the new credit repair mills! After all, what is the use
of hiring a professional company if they are going to make
you do all the work yourself...
Our Credit Counselors will be available by telephone
or e-mail, Monday thru Friday during normal business hours
to answer any of your credit report improvement or credit
related questions. Most of our clients are finished
with our program within six to eight months, but you can
cancel at any time. Unlike other
companies that drag out this process by only disputing some
of your negative information each month we dispute every
negative account you direct us to during the first round and
we continue to do so every time we dispute any.
(This is how we finish the job quickly instead of taking a
year or two!)
- On-line Client Status
Program
All of our clients have instant 24 hour, seven day a week access
to their credit repair program! Our clients can see exactly
what is happening on each credit report, for each credit account.
Once you sign up for our services we will e-mail you your username
and password so you can access your account on-line. Below is
a brief overview of how our program works.
- The Interviewer™
- Once we have copies of your
credit reports, we will set up
The Interviewer™
and e-mail you asking you to supply some simple information.
When we receive the completed Interviewer form, one of our credit repair
counselors will go over it and contact you if any other
information is needed. We want to make sure we fully understand your credit
history, current situation, long and short term credit goals, and give you
time to tell us your specific concerns.
-
- Targeted Response™
- Next we will begin drafting unique documents, not form letters,
to send to the necessary creditors, collections agencies,
courthouses or public record providers, and credit reporting
agencies, depending on your personal situation. We also contact the "furnisher of
information" directly with a Lawful Notice, Estoppel, POC or
Debt Validation letter, demanding a response form them within
the 30 days provided in the law. We will also
contact the FTC if your creditors or the credit reporting
agencies violate your rights under the Fair Credit Reporting
Act.
-
- Result Tracker™
- We will also monitor the correction and deletion of negative
inaccurate unverifiable and incomplete information from your
credit reports. You will have instant on-line access to
your account, so you can see the progress for each credit
report, and see exactly what we are working on for each negative
account. Each account will be listed with the details of
what is happening and when it is removed or updated.
We offer two types of Free Evaluations, an on-line form or an actual credit
report review. Please click here if you would like us to evaluate your
current credit situation free of charge.
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