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We have a different
perspective on bad credit! We have created several programs
that each consumer can choose from that will best fit their
personal needs.
Most companies focus their entire
sales pitch on convincing clients that bad credit is not their
fault. They will go so far as to claim that they can
remove any information from your credit report. Some even
claim they can fix your bad credit and increase your score
by 100 points, guaranteed. The bulk of these companies focus
their entire service on just removing negative items to fix bad
credit. The truth is that
there is a fantastic difference between saying “what you want to
hear”, as opposed to “what you need to hear”. The reality is that
there are cases in which incorrect or inaccurate negative items can
have a significant impact on your credit score, but mistakes are
only part of the problem for most people.
We have created a 70 day,
comprehensive repair program developed for individuals looking
to improve their entire credit profile, not just a “short term” bump
in their score. We start by legally cleaning up mistakes and
questionable items on the report. We feel that getting your report
entirely accurate is only a small part of REAL repair. Once
accurate, our service continues after most companies
feel their work is done.
Our next goal is to consult and guide
our clients toward developing the optimum blend of credit accounts.
We have even compared and shopped dozens of credit cards to help
clients decide which card or cards will work the best for their
situation. More importantly, we then teach our clients exactly how
to manage these accounts to maximize the benefit to their credit
score. This education is the key because many Americans have a
very limited understanding of why their credit is goes up or down. We feel that providing the “road signs” to credit scoring allows
every individual to “drive“ their score in the right direction
rather than guessing.
If there is one point that we could
make regarding our credit repair program, it is that we don’t just
repair the “car” we also repair the “driver.” This means you!!!
For a lot of clients, bad credit often points to a certain behavior
or thought process. We believe that all clients need to
realize that they drive their credit every day. Every time someone
applies for a loan, charges merchandise on an account, makes or
neglects a monthly payment, or even purchases a car, they are
affecting their score. We have two points of contact with our
clients that are designed to develop solid “credit driving” skills
so that clients have a realistic opportunity to maintain and improve
their credit for the long haul. We work with each client on their
organization skills making sure they know exactly who and what they
owe, and when those bills are due. We then provide a budget service,
using a detailed budget worksheet that is part of our application
package. We feel that no one who lives outside of their means will
ever have a quality credit profile.
We designed this program with the
mentality, “Give someone a fish you feed them for a day, teach
someone to fish you feed them for a lifetime.” The competitive
one-time fee for an individual repair package is $325. For a
couple, the fee is $525, a savings of $125! Best of all we never
collect up front! You have 35 days from the date of application
before we charge 50% of the fee, collecting the last 50% on day 70! |
