Our 1-year membership allows our clients to learn and build habits for better credit scores.
Forget the endless monthly payments or huge upfront costs. Our pricing model is fair and results-driven.
Not only do we fix the negative, but also guide you on how to build your credit history sustainably.
It is. We promise. Let’s talk.
The average minimum length of a proper credit repair process is 6 to 9 months. Anyone promising you short-term results are typically “scammers”. Our membership covers you for the full year if you need it. However, most of our clients achieve their goals within 6 to 9 months. In some cases, it takes less than that (around 4 months). Sometimes the process can take longer than a year (typically for people with extensive amounts of derogatory accounts and complete lack of active positive accounts).
The process of credit repair refers to disputes with the credit bureaus. Every consumer (adult) in the United States has the right to submit a dispute with 3 credit bureaus (TransUnion, Experian, and Equifax) and have them investigate your accounts reporting on your 3 credit reports. If the information reported on your reports is outdated, erroneous, incorrect, fraudulent, mistaken, etc. it is subject to being removed under the Fair Credit Reporting Act (FCRA). As negative accounts are removed from your reports, your credit scores will generally improve. The magnitude of improvement depends on the type of item(s) removed, its balance and age (the more recent, the bigger the impact). So, credit repair is the process of removing/deleting negative accounts from your credit reports through active (and multiple) disputes and improving your scores that way.
Credit building is the process of establishing positive active credit reporting accounts (secure and “regular” credit cards, auto loans/leases, mortgages, personal loans, student loans, etc.) and consistent monthly payment history. Your phone bill, utility bill and insurance payments DO NOT count (though there are services like Experian Boost that can report them on your credit reports as well).
The MOST important factor in building SUSTAINABLE credit is BEING ON TIME with your payments. A recent 30-day late payment can throw your scores off by >50 points. The second most important factor is keeping your credit card UTILIZATION LOW (balance as the % of your limit needs to be under 30%). The lower the balance, the higher the scores will be. The third is to have a MINIMUM of 3 active open accounts (Example: 2 credit cards and an Auto loan OR 1 credit card, student loan and an Auto loan). But don’t stop with just 3; it’s better to have 5 or 6. The fourth most important factor for credit building is to build the LENGTH of your credit history. The longer the better. Hence, NEVER EVER EVER voluntarily close your active credit cards (both secure or non-secure) because they don’t expire and can build you years and even decades of positive credit history.
Most companies either charge you a monthly recurring fee ($100+ per month) + a “set up” fee OR one large lump sum payment upfront (easily over $1,500). The monthly payments add up over time and you’ll pay them with or without results. The large upfront cost is a tough pill to swallow. We don’t like either of these approaches because they favor the business and not the client.
With that in mind, we invented a unique and fair Results-Based Pricing model. First of all, we DO NOT charge a set up fee. The consultation is FREE. A 12-months Unlimited+ membership is $389. And negative items removed (results) are $79 per-deletion-per bureau.
We invoice for deletions only after they happen. They deletions payments are due in 7 days from receipt, giving you enough time to prepare to make a payment. That way the cost is manageable and the process is affordable virtually to everyone.
You’re also paying for actual results and only AFTER the results have been generated for you. We also have a MONEY BACK GUARANTEE. If we don’t get you any deletions over the course of your 12-months membership, we will refund you the entire membership fee. No questions asked.
We have successfully removed or repaired for our clients the following derogatory (negative) accounts:
While it is possible to achieve results and increase your scores within 45 days (we’ve done that), the fundamental/proper process of repairing and rebuilding your credit takes time (min 6 to 9 months). It took you months and often years to damage your credit, so if you’re looking for a quick fix – it will NOT be lasting or sustainable. And in general, if anyone ever promises you to fix your credit quickly or guarantees you results – RUN!!! You’ll likely be scammed as it unfortunately happens. We’ve heard enough of such “horror”stories from our clients. So, please, BE PATIENT and don’t expect guarantees. It’s illegal for any credit repair business to promise you results.
As you may know, there are 3 credit scores. It has to do with the fact that there are 3 independent credit bureaus (TransUnion, Experian, Equifax) and they each give you a score. Each credit bureau is as important as the others. And therefore, each credit score is EQUALLY IMPORTANT. For example, if you’re looking to buy a house and apply for a mortgage, your loan officer will pull all 3 of your scores. They will drop the lowest and the highest and use your MIDDLE score for underwriting purposes (example: imagine that your 3 scores are 640, 595, 690 – the loan officer will use your 640 for underwriting). Whichever bureau’s score happens to be the middle one will be used. So, it’s important to make sure that all three of your scores are in good shape.
It’s absolutely normal for your credit scores to be slightly different and sometimes to be significantly different. It has to do with the way your “open” and “closed” accounts are being reported on your credit reports. Some of them report on all 3 credit bureaus (TransUnion, Experian, Equifax) some on 2 (any 2) and some only on 1. The same principle applies to negatively reporting accounts (collections, late payments, medical bills, etc.). Some of them report on all 3 bureaus, some on 2 (any 2) and some only on 1. So when you add up all of the accounts it’s very typical that you’ll have a few more accounts on let’s say TransUnion, and 2 less on Experian and maybe one less on Equifax. There is no exact order or science to this, so you’ll need to check your full credit reports to understand why YOUR scores are different and what to do about them. The best and most reasonably priced service that we recommend for that (credit monitoring) is Smart Credit (www.smartcredit.com). All of our clients use it and we base our FREE audits on Smart Credit reports.
Your credit score is essential when it comes to getting any mortgage or lease.
Your downpayment and monthly payments solely depend on your credit scores.
Credit cards, personal loans, employment applications all depend on your credit scores.
$389 One Time Fee (or 2 easy installments of $194.50)
+ $79 per each bureau deletion
$699 One Time Fee (or 2 easy installments of $174.75 each)
+ $79 per each bureau deletion
$125 One Time Fee (includes a full audit, 1hr call + a gameplan)
*For clients who are looking to build their credit history
Most people like you don’t know what to do to fix their credit. But we know that you have goals, and our commitment is to help you achieve them. We help you to: