Credit Evaluation
We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score.
Set a Goal
We'll maximize your score so you can achieve your goals and learn how to maintain your credit long after our work is done.
Get Results
Our mission is to get you results and we won't stop applying pressure until we get you those results Consistency is key!
Rebuild, Repair & Improve Your Credit Score!
We are not taught the importance of having good credit and how credit affects our every day lives from employment, getting a home & vehicle loans, personal / business loans, insurance rates, to opening up opportunities through borrowing power. We understand that everyone’s situation is unique, and we are dedicated to helping our clients find the right solutions for their individual needs.
Credit Repairing
The process of identifying, disputing, and removing negative items from a credit report in order to improve the credit score.
Credit Consulting
We help individuals and businesses understand their credit scores, credit reports, and debt management options and how to build a strong credit history.
Benefits of Better Credit Score and Restoration
Approval for Higher Limits
Increases your purchasing power and access to new lines of credit, such as loans or credit cards.
Qualify for Better Options
Enables consumers to access better loan terms and lower interest rates.
More Negotiating Power
Negotiate better terms and conditions when it comes to loans and credit card offers.
Frequently Asked Questions.
Credit repair is the process of improving a person’s credit score. This can include removing negative items from a credit report, such as late payments, charge–offs, collections, repossessions, and bankruptcies. Professional credit repair services can be more intensive and involve several steps to ensure best results. These steps include a full credit report review, analyzing a person’s credit history, negotiating with creditors and/or credit bureaus to remove negative items, and devising an action plan with customized strategies to improve credit.
Yes, credit repair is legal, and it works because of the law. The law is the Fair Credit Reporting Act, set up by the FTC to protect consumers. The FCRA gives you the right to dispute any item on a credit report. If that item cannot be verified, it must be removed. That is the foundation of all credit repair.
A credit score is typically based on a person’s payment history, amount of debt owed, length of credit history, types of credit used, and any new credit inquiries. A credit score is a three–digit number that represents a person‘s creditworthiness. It is used by lenders to decide whether to lend you money and on what terms. Most commonly, credit scores range from 300 to 850, with higher scores indicating higher creditworthiness.
Repairing credit can take anywhere from six months to several years, depending on the severity of the damage. Generally, it takes the longest amount of time to repair credit when the damage is severe and the individual has a history of delinquent payments, judgments, bankruptcies, and other negative items on their credit report.
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