Credit repair is the act of removing or repairing inaccurate, incomplete or unverifiable items from your credit report. Items such as personal information, collections, late payments, bankruptcies, repossessions, closed accounts, child support/alimony delinquencies and more.
Credit building is the act of adding new and positive accounts to a credit report. Credit building services could be needed when an individual is lacking credit and wants to apply for something like a mortgage, car loan, or credit card. There are tons of ways and techniques to build your credit, Although it is most helpful for those with lower credit scores, it can be beneficial for even those with excellent credit. Do you have questions about credit building? Give us a call today! Phone: (786) 627-3348 | Email Us
There are various scoring models with multiple variations of scores for each model that report to 3 different bureaus. In simpler words, there are A LOT of different ways to calculate your credit score. We understand this can be very confusing, which is why we provide our clients with top-of-the-line free credit education to help them understand the madness. In addition, any time our clients wish to apply for new credit, we let them know exactly what credit score the lender will pull and how it will affect their score. Do you have questions about credit repair or credit building? Get in touch with us today.
There are many different mortgage options out there that have very different requirements. Whether you’re looking into FHA, USDA, Conventional, VA, or even state-funded mortgage loans, we are here to help! Each mortgage option can require a different down payment, credit score, PMI, DTI, etc. and our credit specialists are trained to help you through the whole process! Looking to get more information on what it takes to get a mortgage? Get in touch with us today.
Getting denied for credit is a bummer, but it doesn’t mean you can’t get approved again in the future! If you haven’t received it already, you are going to receive what’s called an Adverse Action Letter which will explain the main reasons why you were denied. Whether it’s too many collections, inquiries, or maybe not enough credit established, we are here to help! Get in touch with us today.
The old-fashioned credit repair companies are a thing of the past! If everything in the world around us is innovating and progressing, we believe so should the credit repair industry! This very ideology helped us establish our company’s core values; transparency, education, innovation, hard work. We believe in keeping our clients updated with our 24/7 online client portal access, pay-per-deletion fees that ensure no risk for working with us, rigorously trained professionals that are prepared for any question or scenario that may be given to them, and 100% transparency and no-risk cancellation policy. More than anything, we are truly dedicated to helping our clients reach their goal and credit dreams.
The future of credit repair isn’t monthly payments, which is why we’ve decided to never incorporate it in our business! Our credit repair service is strictly a pay-per-delete service, meaning after you pay your initial credit analysis fee you won’t owe us a single penny unless we successfully get an erroneous item removed or repaired from your credit report!
Essentially meaning there is no financial risk to work with us! In everything we do… we have to do the work, show you that we’ve successfully done the work, and then you are billed. This is what our successful hard work will cost you: *show chart* $10 per PBI, $20 per Inquiry, $50 normal items,$70 repossession $100 public record PER BUREAU
As discussed above the initial credit analysis one-time fee is due after your credit analysis is done upon sign-up. The fee is $150 for individuals and $200 for couples.
Our clients usually see a change in their credit within the first 60 days and accomplish their goal within 6 months. This estimation is based on a median and it is important to understand that each person’s situation is very different. At ____ we cannot promise our guarantee anything whatsoever which is why we offer our pay-per delete payment option to ensure there is no financial risk to our clients!
We offer a customizable package for credit building to tend to our client individual goals and budget. Typical clients spend anywhere from $150-$800 on this service depending on a number of factors we are more than happy to discuss with you.
Credit monitoring is required for credit repair clients only. You will pay a 3rd-party affiliate company a discounted rate of $29.99/m for this service, which can be deactivated at any time if you wish to cancel your service.
If you happen to know any friends, family members, or co-workers that may need a little help with their credit then you are in the position to earn some money! Each person you refer to us that signs up for our credit repair service will earn you $50! Click here to become a partner.