credit restoration

FREE ONE ON ONE CREDIT CONSULTATION & ANALYSIS SESSION

We only do factual disputes. We legally and ethically raise credit scores.

Let us monitor and restore your credit for you.

This service is for the very busy individual who has some credit challenges. These challenges may be preventing you from purchasing a home, a car, getting qualified for a credit card or simply from doing what you want to do.

How This Is Done

Once you sign up for this service the first thing we are going to do is submit factual disputes to the credit bureaus, collection agency and the creditors  that has negative information reporting on your credit reports which is causing you to have a negative credit rating.

We Will Dispute:

• Late Charges

• Charge offs

• Judgements

• Liens

• Repossessions

• Bankruptcies

• Foreclosures

• Collections

• Etc.

 

We are very aggressive. We are one of the few companies that utilizes the Better Business Bureau, the Fair Trade Commission and the State Attorney General as a part of our credit restoration process.

We won't stop until your credit is restored and you can pursue your financial goals.

To Get Started Sign Up For

YOUR FREE CREDIT CONSULTATION & ANALYSIS SESSION.

 

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Credit Education

What is the best way to establish credit ?

Opening A Checking Account

Opening A Savings Account

If you don't have a checking account, potential lenders become very skeptical about the way you handle your financial affairs.

When potential lenders see a savings account on your credit application, it gives them a good feeling, regardless of the amount you have in your account.

Have a Spouse, Sibling, or a friend add you as an authorized user

Have a spouse sister or a friend add you as an authorize user. It is very important that you ensure that the person that is going to add you as an authorize user have is responsible person that pays their bills on time  every month and tkeep their balance at 25% or less, if not then being added as an authorize user can work against you. company

 

Financial companies are usually more receptive to individuals who are just starting out in credit. The interest rate is a lot higher than a bank, but your chances of getting started are greater. Be sure you talk with your banker first to see the chances of getting a loan from your bank before applying to a finance company.

 

Opening A Secured Credit Card

These accounts are usually the best way to open credit and it reports to all three bureaus.

Credit Score Facts & Fallacies

 Fallacy: My score determines whether or not I get credit.

Fact:

Lenders use a number of facts to make credit decisions, including your FICO® score. Lenders look at information such as the amount of debt you can reasonably handle given your income, your employment history, and your credit history. Based on their perception of this information, as well as their specific underwriting policies, lenders may extend credit to you although your score is low, or decline your request for credit although your score is high.

 Fallacy: A poor score will haunt me forever.

Fact:

Just the opposite is true. A score is a "snapshot" of your risk at a particular point in time. It changes as new information is added to your bank and credit bureau files. Scores change gradually as you change the way you handle credit. For example, past credit problems impact your score less as time passes. Lenders request a current score when you submit a credit application, so they have the most recent information available. Therefore by taking the time to improve your score, you can qualify for more favorable interest rates.

 Fallacy: Credit scoring is unfair to minorities.

 

Fact:

Scoring considers only credit-related information. Factors like gender, race, nationality and marital status are not included. In fact, the Equal Credit Opportunity Act (ECOA) prohibits lenders from considering this type of information when issuing credit. Independent research has been done to make sure that credit scoring is not unfair to minorities or people with little credit history. Scoring has proven to be an accurate and consistent measure of repayment for all people who have some credit history. In other words, at a given score, non-minority and minority applicants are equally likely to pay as agreed.

 Fallacy: Credit scoring is infringes on my privacy.

Fact:

Credit scoring evaluates the same information lenders already look at - the credit bureau report, credit application and/or your bank file. A score is simply a numeric summary of that information. Lenders using scoring sometimes ask for less information - fewer questions on the application form, for example.

 Fallacy: My score will drop if I apply for new credit.

Fact:

If it does, it probably won't drop much. If you apply for several credit cards within a short period of time, multiple requests for your credit report information (called "inquiries") will appear on your report. Looking for new credit can equate with higher risk, but most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of time. Typically, these are treated as a single inquiry and will have little impact on the credit score.

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