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1

Personalized Dispute Options to Fit Your Exact Credit Repair Needs.

2

An Experienced Case Analyst and Case Advisor Working Personally With You throughout The Process.

3

Custom Dispute Letters Submitted On Your Behalf.

4

Access to Your Case Status and Updated Information - 24 Hours A Day / 7 Days A Week.
Let's get started to improve your credit score!

What Is A Credit Score

A Credit Score is a 3 digit number that is meant to predict your credit worthiness. Your personal credit score ranges anywhere between 300-850. The higher your credit score is, the more likely you'll be able to get approved for a loan or high limit credit cards.

The lower your score is the less likely you'll be able to get approve for a loan or high limit credit cards. For any reason that you have a low credit score and you've been approved for credit, expect to pay a much high interest rate than someone who has a good credit score. Having a high credit score can save thousands of dollars over the life of your mortgage, auto loans, and credit cards.

What Effects Your Personal Credit Score

Why Credit Training and Education Worth Your Time and Money

Opposing to what the credit bureaus want you to think, credit training does work in some circumstances. It only works if you are getting the best advice from an experience professional. Anyone with a credit score below a 720 credit score can really benefit long term from the advice and information provided through credit education. There are limiting factors that will prevent us from helping you. the two factors are as follows 1. Your financial situation 2. The time frame in which you need to reach your results. It's possible to remove anything from a credit report, even accurate items. Always remember credit repair is not an over night success. the credit bureaus have 30 days to respond to each dispute letter.

​​In Addition To Starting The Credit Dispute Process With You

What You Can Do To Help Raise Your Credit Score?

​​Pay all of your bills on time, every time. This includes your utility bills, mortgage and auto payments, and all of your revolving lines of credit like credit cards. Check your credit report at least once a year. You can find out how to challenge bad information on your credit report here.

Never charge more than 30% of the available balance on any of your credit cards. Banks like to see a nice record of on-time payments, and several credit cards that are not maxed-out. If you are carrying high balances on your credit cards, then make paying them down below 30% a priority. Do use your credit cards, Many people who make mistakes with their credit believe that the best way to fix things is to never use credit again. If you are afraid that you cannot handle your credit cards correctly then the best policy is probably this one: Run only your utility bills on your credit cards each month, and then pay the balance in full by the due date. This ensures that your utility bills get paid on time automatically, and as long as you keep the habit of paying off your credit card balance each month your score will continue to go up. Leave the credit cards locked in a safe or drawer at home.

Keep your accounts open as long as possible, Even if you are no longer charging on the card. The best policy is to keep those unused accounts open, blow the dust off your card every few months to make a small purchase, then pay it off. How long each of your accounts have been active is a major factor in your credit score.

Remember that this all takes time, Following the above steps consistently over a long period of time will increase your credit score and allow you to qualify for better loans and lower interest rates. Repairing your credit score does not happen overnight, so if you do these things for a few months and do not see a large increase in your score, do not give up. They are all habits that you will want to maintain throughout your life, as they will help you to keep your finances and lines of credit under control.

​​How Long Will Certain Items Remain On Your Credit Report?

  • Delinquencies (30- 180 days): A delinquency may remain on file for seven years; from the date of the initial missed payment.
  • ​​​Collection Accounts: May remain seven years from the date of the initial missed payment that led to the collection (the original delinquency date). When a collection account is paid in full, it will be marked as a "paid collection" on the credit report.
  • ​​​​​​Charge-off Accounts: When a delinquent account is sent to a collections company. This will remain for seven years from the date of the initial missed payment that led to the charge-off (the original delinquency date), even if payments are later made on the charge-off account.
  • ​​​Closed Accounts: Closed accounts are no longer available for further use and may or may not have a zero balance. Closed accounts with delinquencies remain for seven years from the date they are reported closed, whether closed by the creditor or by the consumer. However, the delinquency notation will be removed seven years after the delinquency occurred when pertaining to late payments. Positive closed accounts continue to be reported for ten years from the closing date.
  • ​​​Lost Credit Card: If there are no delinquencies, credit cards reported as lost will continue to be listed for two years from the date the creditor is contacted. Delinquent payments that occurred before the card was lost are reported for seven years.
  • ​​​​​​Bankruptcy: Chapters 7, 11, and 12 will remain on one's credit report for ten years from the filing date. A Chapter 13 bankruptcy is reported for seven years from the filing date. Accounts included in a bankruptcy will remain for seven years from the date reported as included in the bankruptcy
  • ​​​​Judgments: Remain seven years from the date filed.
  • ​​​​City, County, State, and Federal Tax Liens: Unpaid tax liens remain for fifteen years from the filing date. A paid tax lien will remain on one's score for 10 years from the date of payment.​
  • ​​​​Inquiries: Most inquiries listed on one's credit report will remain for two years. All inquiries must remain for a minimum of one year from the date the inquiry was made. Some inquiries, such as employment or pre-approved offers of credit, will show only on a personal credit report pulled by you.​

Payment Packages

Bronze

Monthly Payment $99.00, Enrollment Fee $350

Spouse (Couple) Enrollment Fee $575, Spouse (Couple) Monthly Payment $150

⭐️ Special Offer Spouse (Couple) 1 Time Payment $1,000

⭐️  Individual Special 1 Time Payment Offer - $600 (Limited Time Only)
  • Free Credit Consultation and Credit Audit
  • ​How to Structure a Credit Report
  • ​24/7 Access to Secure Client Portal with Credit Educational Tools
  • ​Credit Building
  • ​5 Disputes Per Bureau per Month 
  • ​Customer Service
  • ​Referral Benefits ($50)
  • ​Credit Education
  • ​No Results in 180 days money back guaranteed

Gold

Advance Credit Repair

One-Time Payment $2,500
  • Free Credit Consultation and Credit Audit
  • ​How to Structure a Credit Report 
  • ​24/7 Access to Secured Client Portal with Credit Educational Tools
  • ​Credit Building
  • ​Advance Disputing
  • ​How to hide Credit Card Utilization
  • ​Manufactured Spending
  • ​How to get multiple Credit Cards with only 1 Inquiry hitting your credit report
  • ​The best Credit Cards to get in current year to reap full benefits on reward points
  • ​Secondary Reporting Agencies (Who holds what information on you and the information they hold)
  • ​How to make an income using your Credit Card
  • ​Customer Service
  • ​Referral Benefits ($100)
  • ​Credit Education
  • ​No Results in 180 days money back guaranteed
  • ​Secret Lenders List
  • ​Tradelines (45-60 Days)
  • ​​Financial Coaching with platform to use for budgeting expenses 

Silver

Monthly Payment $150.00, Enrollment Fee $350

 Spouse (Couple) Enrollment Fee $575, Spouse (Couple) Monthly Payment $225

⭐️ Special Offer Spouse (Couple) 1 Time Payment $1,250

⭐️ Individual Special 1 Time Payment Offer - $750 (Limited Time Only)
  • Free Credit Consultation and Credit Audit
  • ​How to Structure a Credit Report
  • ​24/7 Access to Secured Client Portal with Credit Educational Tools 
  • ​Credit Building
  • ​10 Disputes Per Credit Bureau per Month
  • ​How to hide Credit Card Utilization
  • ​Secondary Reporting Agencies (Who holds what information on you and what information they hold)
  • ​Financial Coaching with platform to use for budgeting expenses 
  • ​Customer Service
  • ​Referral Benefits ($50)
  • ​Credit Education
  • ​Secret Lenders Lists
  • ​No Results in 180 days money back guaranteed
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