Debt Eliminator / Credit Builder Program
Each of our plans includes an initial consultation to determine the best course of action. This appointment is done once the client has submitted copies of their credit reports for analysis. All programs will have an additional charge to perform the service. You will be given a complete quote and recommendation during your consultation. Payment programs are available.
Credit Repair
Part 1: (Enrollment/Signing Up) To start the process see our links below for program options. Select a program option and then you will be given instruction on how to obtain your free credit reports.
Part 2: (Evaluation) Once you have submitted your credit reports for review, we will evaluate each line item in the reports for issues, erroneous information, and other data that may require correction or dispute. You will be presented with that information. At which time, you may comment on the findings and approve the recommended corrective measures we outline in our program.
Part 3: (Correction/Dispute Process) Once you have responded to our report findings, we will engage in a process of correction and dispute with the credit bureaus and/or individual creditors. Depending on the bureau or creditors response, we may need to repeat the processes on individual line items or provide additional information to achieve the desired goal. Our system is set up to automate the process and you will receive regular updates as items are corrected.
Part 4: (Progress Check) Our automated system allows for you to upload items needed, track your progress, communicate with our customer service team, modify billing info, and get real time updates on your account. Please let us know if you have any questions or how we can improve your customer experience!
Credit Repair & Credit Builder
This program includes the (4) steps of Credit Repair. Credit Building Coaching is added to this service. The Steps for the Credit Building program include;
STEP 1: CONFIRM YOUR CREDIT SCORE IS MORE THAN 600 The directions below are tailored for consumers who have a credit score of 600 or higher. If you believe your credit score is lower or find out that you do not qualify for an unsecured card, please click the link for Secured Cards below.
STEP 2: UNDERSTANDING THE TYPES OF CREDIT CARD Unsecured Credit Card Most credit cards are unsecured, which means they don’t require a deposit as collateral in case cardholders can’t pay off their debt. Sometimes unsecured cards offer benefits such as cash back, travel perks, and store discounts.
STEP 3: FOLLOW A PLAN TO MINIMIZE COSTS Create positive account activity In order to maximize score increases, charge between $20 and $30 a month on each account When payment is due, exceed the minimum payment but keep a balance of $5 Credit bureaus will recognize the account has activity AND healthy balance ratios Select cards with lower fees verses lower interest rate Credit Card usually have lower fees for higher interest rates If you are committed to paying the balance to $5 each month, it makes economic sense to choose the lower fee option We have done some of the homework for you - review our comments in each section below
STEP 4: ESTABLISH 3 OPEN ACCOUNTS Three open and active accounts is the "magic" number for improving your credit score. Each card in good standing will report positive trade lines and represent a larger portion of your credit file. In doing so, historical credit blemishes become less of a factor when calculating your credit score.
Debt Settlement/ Management
We Consult with our client to determine what options may best fit their need. Once the current status of their account is assessed we'll explain the different options and guide them towards a resolution. Options include;
Debt management plans. A DMP consolidates your debts into one monthly payment and establishes a plan to pay them off in three to five years. A nonprofit credit counseling agency creates and manages your plan, and a counselor may be able to negotiate interest rates to reduce what you owe without a settlement. The agency will collect your payments and may charge a small fee.
Debt consolidation loans. A debt consolidation loan combines multiple debts from credit cards, loans and other bills into a single monthly payment. The new loan ideally features a lower interest rate, a lower monthly payment or both.
Balance transfer credit cards. A balance transfer allows you to move debt from one credit card to a new one. With good credit, you could qualify for a card with a 0% introductory annual percentage rate on balance transfers and pay down debt without interest for up to nearly two years.
Bankruptcy. This legal proceeding prevents creditors from harassing you for payments and allows you to keep your home in many cases.
Debt Settlement/ Negotiation. You can negotiate with your creditors yourself if you don't want to work with a debt settlement company. "There's nothing a debt settlement company can do for you that you can't do for yourself," says credit expert John Ulzheimer, formerly of FICO and Equifax. "If you're having a hard time making your payments, then talk to your lender. They'd rather work with you than with a third-party settlement company."
Pricing
(Payment programs are available.)