How Does Credit Restoration Works?
Once we analyze your credit, we will put together a unique plan of action to fit your specific financial needs. No two individuals are the same. Therefore to obtain the best results it will entail more than just a few letters to the credit reporting agencies, but also to the creditors and collection agencies, as well. We will assist you in getting inaccurate, obsolete and erroneous information removed from your credit, as well as bankruptcies, judgments, repossessions, late payments, collections, charge-offs, medical collections, and other items.
Here is a break down of the FICO Scoring System:
720-Above
Excellent credit, excellent rates are available to you at this level.
680-719
Very good credit, equals reasonable rates.
620-679
You're approved. Interest rates are coming down considerably.
586-619
Higher risk, but you can be approved at higher interest rates.
585-Below
Credit may not be available to you at this level.
It is Legal
There are laws in place to protect you from inaccurate, unverifiable or obsolete information contained on your credit reports. We demand the validation and verification of derogatory information using the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and many others. These laws have been established to protect you as a consumer. Creditors and Credit Reporting Agencies are legally obligated to produce documented evidence within a reasonable time frame, generally 30 to 45 days to validate their claims against you. In most cases, if they cannot produce this evidence, they must remove the information from your credit profiles.
How much does it cost?
Clients situations vary from having a few late payments to having more serious situations like judgments, collections, repossessions, tax liens, bankruptcies, etc. In most cases, we will provide an affordable flat standard set up fee followed by a convenient payment option plan.
For question and answer about Credit Restoration,
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We Get Results
We have successfully helped remove or improve questionable items on credit reports including:
- Bankruptcies
- Judgments
- Repossessions
- Late payments
- Collections
- Charge-offs
- Medical collections
- and others...
We Offer
Will be your one-stop shop for all your financial needs:
- Credit Restoration
- Consolidation: Debt Settlement
- Mortgages Loan Modifications
- Refinancing Under FHA Prog.
- Reverse Mortgage
Useful Links
Get the credit you deserve, at the rates you deserve and Start a New Future!
We accept Credit Cards
Operation Hours
Monday to Friday
9:00 am to 5:00 pm
