Our team is excited to start helping you take control over your credit score and finances! Contact us with the form below to schedule your free consultation to chat about your credit analysis. We will be in touch right away to answer your questions and get you started.
We have many years of experience in evaluating credit and guiding consumers to assert their legal rights. We do it every day! We guarantee honesty and dependability, virtues which most people seem to have forgotten. Credit repair firms cannot do anything that you couldn't do yourself, but we can help you to achieve results in a fraction of the time without making costly errors. Thank you for your time and God Bless.
Charles is our CEO and Lead Credit Hero. Charles has a 22 year back ground in helping clients get Mortgage, Real Estate and consumer credit ready. He has helped literally thousands of people get ready to purchase their new home/car, get better interest rates on credit cards or get their credit cleaned up for career purposes. This is why many call him a Credit Hero.
"Though the years I have reviewed thousands upon thousands of credit reports. The sad fact is that almost 7 out of 10 clients I speak to have issues on their credit report that keeps them from moving forward with lifes goals. 7 out of 10!! That number is way to high. I have made it my mission to help people overcome the speed bumps on the road of life. Through the help of my team and other professionals related to the finace industry, I aim to change the game. Instead of 7 out of 10 not qualifying, my goal is to get 10 out of 10 out from under the credit burden and moving forward in life!"
We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score.
Easy access to your account 24/7 for live status updates on improvements on your credit reports and scores.
We’ll maximize your score so you can achieve your goals and learn how to maintain your awesome credit long after our work is done.
We'll give you a free consultation and credit analysis
While we use the law to challenge negative items on your report
Log in to see real time progress every step of the way
If the answer is yes, then partner with our company to make your clients credit worthy. Refer your credit-challenged client to us, we will work to increase their credit score in record time and we always refer them back to you for your services. You can track your client's progress in our Client Login Portal. When your client logs into our web portal, the first thing they will see is your photo and contact information as a reminder of their goal and the professional who refered them to us! Just fill out the form below.
This is a 1 time fee. After your free Consultation and Audit, we dig into every possible negative issue on your credit report. At this time we create a detailed plan of attack and a road map to your improed credit score.
Our Monthly Service includes executing on the action steps created in your onboarding. We use the law and best practices to dispute, argue and verify the validity of all identified negative issues on your credit report.
We help and guide you from start to finish and we prepare all of the documentation for the various credit agencies. Our fees are reasonable and there are NO long binding contracts. We guarantee results or your money back!
We Do Not Charge an hourly fee!
We do not have any hidden fees!
We will be there for you every step of the way!
Prior to starting credit education and document processing services, you will sign a client agreement along with the following:
In return, for the services above, you agree to pay fees as outlined in your client agreement. You have the right to cancel your contract for any reason within 3 business days from the date you signed it. Just send written notice as outlined in your client agreement. It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney.
The information that we collect is generally limited to personal information about you that you submit on the Website. The personally identifiable information that may be collected includes: your name; address; email address; telephone number; fax number; information about your interests in and use of various products, programs, and services; and education level and interests. Although we are not collecting credit card information at this time, we reserve the right to do so in the future. To the extent that customer credit card-specific information is collected by our company and any of our affiliates and/or subsidiaries, said information will be kept in confidence and will not be shared with any third parties (other than consumer credit agencies) without the customer's prior informed consent. Notwithstanding the foregoing, we and our affiliates and subsidiaries reserve the right to share with third parties the fact that they have credit card information on file for specific customers but they will not share this credit card information with third parties without the customer's prior informed consent. Like most standard website servers, we use log files. Log files track anonymous user information including, but not limited to, Internet Protocol ("IP") addresses, browser type, Internet Service Provider ("ISP"), referring/exit pages, platform type, date/time stamp, and number of clicks. This information is tracked in order to analyze trends, administer the Website, track users' movements in the aggregate and gather broad demographic information for aggregate use. The information tracked via log files is not linked to personally identifiable information.
The Website uses a "cookie" to assign a unique identifier to your computer. The cookies we use are persistent files that your web browser places on your computer's hard drive. Cookies may be used to help save information on past activities and other preferences, so that you are not required to reenter information each time that you visit the Website, and to deliver content specific to your interests. No personally identifiable information is gathered by the cookie.
Any personal information that you supply to us remains your personal property. However, by submitting that information our company, you grant us the right to use your personal information for any legal purpose including, without limitation: a) providing promotional offers to you via email advertising and/or online banner advertising; b) transferring the personal information that you provided to a third party, when necessary, to receive a product, service, or information that you may have requested from such third party while using the Website; c) tracking compliance with our Terms and Conditions; and d) for validation, suppression, content improvement and feedback purposes. By submitting your information to the Website, you grant our company the right to use that information for marketing purposes, and agree to receive email marketing from the Website. We may maintain separate email lists for different purposes. In order to end your email subscription to a particular list, you must follow the instructions contained in any email correspondence that you receive from us. Unsubscribing from one list will not automatically unsubscribe you from all email lists. We only send email marketing to individuals that have agreed, whether by visiting this Website or through third party websites, to receive email marketing from us. We do not send unsolicited bulk email. As a result, certain statutes, requiring particular formatting for unsolicited bulk email may not be applicable to the bulk email that is sent by our company. Though we make every effort to preserve user privacy, we may be required to disclose personal Information in some instances, such as: 1) when required by law wherein we have a good faith belief that such action is necessary to comply with a judicial proceeding, court order, and/or subpoena; 2) in the event that our company is sold or acquired; or 3) in the event that we believe that the Website is being, or has been, used in violation of our terms and conditions or to commit unlawful acts. Moreover, you hereby consent to the disclosure of any record or communication to any third party when our company, in its sole discretion, determines the disclosure to be appropriate including, without limitation, sharing your email address with other third parties for suppression purposes in compliance with the provisions of the CAN-SPAM Act of 2003, as amended from time-to-time.
Our company provides you with the opportunity to receive special offers, products and/or services from other third-party companies. To receive such offers, products and/or services your personally identifiable information supplied to us during the registration process will be shared with such third-party companies so that they may provide the product or service to you that you have ordered from them without requiring that you first complete another registration form. By submitting your e-mail address at the Website you agree to receive e-mail marketing from our company. We may share our user information and/or join together with other businesses to bring selected opportunities to our users. We are able to offer third party services to you, in part, based on your willingness to be reached by our third-party advertisers. In addition, you agree that such act constitutes a purchase, an inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 C.F.R.
Personalized Dispute Audit to Determine Your Exact Credit Repair Needs and Goals.
An Experienced Case Analyst and Case Advisor Working Personally With You throughout The Process
Custom Dispute Letters Created For You And Submitted On Your Behalf.
Access to Your Case Status and Updated Information - 24 Hours A Day / 7 Days A Week.
If you have a better credit score you could potentially have a better interest rate. Just an increase of 20 points in your credit score can mean a difference of tens of thousands of dollars in interest saved on an average priced home and hundreds of dollars of interest saved on car payments and credit cards. We have a proven track record of helping clients to raise credit scores quickly and effectively to give you better purchasing power.
10 points or more 83%
20 points or more 61%
50 points or more 15% 100 points or more 2%
10 points or more 97%
20 points or more 82%
50 points or more 40% 100 points or more 25%
You are entitled to a 100% refund on all payments and fees collected in the first 90 days of service, if:
- You do not increase your score at all in the in the first 90 days of service and, - You have at least four negatives on the credit report at the time of sign-up and, - You agree to send updated reports from the three credit bureaus to us within 3 days of receipt and, (Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received). - You agree to forward all correspondence received from your creditors or credit bureaus within 5 days of receipt and, - You do not incur any new collections or late payments and, - You do not increase any of your credit card balances (this impacts your score and therefore it is out of our control) and, - You do not apply for any new credit unless advised by us. You may cancel services at any time. Please notify us in writing 5 days before the next billing period.
A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. Credit scores range from 300-850. The higher your score is, the more likely you are to get a loan. The lower your score is, the less likely you are to get a loan. If you have a low credit score and you do manage to get approved for credit then your interest rate will be much higher than someone who had a good credit score and borrowed money. Therefore, having a high credit score can save many thousands of dollars over the life of your mortgage, auto loan, or credit card.
Pay all of your bills on time, every time. This includes your utility bills, mortgage and auto payments, and all of your revolving lines of credit like credit cards. Check your credit report at least once a year. You can find out how to challenge bad information on your credit report here.
Never charge more than 30% of the available balance on any of your credit cards. Banks like to see a nice record of on-time payments, and several credit cards that are not maxed-out. If you are carrying high balances on your credit cards, then make paying them down below 30% a priority. Do use your credit cards – Many people who make mistakes with their credit believe that the best way to fix things is to never use credit again. If you are afraid that you cannot handle your credit cards correctly then the best policy is probably this one: Run only your utility bills on your credit cards each month, and then pay the balance in full by the due date. This ensures that your utility bills get paid on time automatically, and as long as you keep the habit of paying off your credit card balance each month your score will continue to go up. Leave the credit cards locked in a safe or drawer at home. Keep your accounts open as long as possible – Even if you are no longer charging on the card. The best policy is to keep those unused accounts open, blow the dust off your card every few months to make a small purchase, then pay it off. How long each of your accounts have been active is a major factor in your credit score. Remember that this all takes time – Following the above steps consistently over a long period of time will increase your credit score and allow you to qualify for better loans and lower interest rates. Repairing your credit score does not happen overnight, so if you do these things for a few months and do not see a large increase in your score, do not give up. They are all habits that you will want to maintain throughout your life, as they will help you to keep your finances and lines of credit under control.
Yes, credit training is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.
You are entitled to a 100% refund on all payments and fees collected in the first 90 days of service, if: - You do not increase your score at all in the in the first 90 days of service and, - You have at least four negatives on the credit report at the time of sign-up and, - You agree to send updated reports from the three credit bureaus to us within 5 days of receipt and, (Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received). - You agree to forward all correspondence received from your creditors or credit bureaus within 5 days of receipt and, - You do not incur any new collections or late payments and, - You do not increase any of your credit card balances (this impacts your score and therefore it is out of our control) and, - You do not apply for any new credit unless advised by us.
Through our services, 93% of our clients see their credit score increase 5 points or more in the first 35 days. Over a 180-day term, the average credit score increase is 70 points.
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
After you have ordered your credit report, please feel free to take a look at the credit info resources offered on my website!
My goal is to utilize the law to help remove items from your credit profile, but thats just 1 piece of credit building. I may also make recomendations on sources to create new positive credit. Through removal of certain accounts, creation of new positve accounts and education on how to protect your new credit profile, we are able to set you up for a better finacial future!
I look forward to speaking with you soon!
Now that you have scheduled your call, please feel free to take a look at the credit info resources offered on my website!
My goal is to utilize the law to help remove items from your clients credit profile, but thats just 1 piece of credit building. I may also make recomendations on sources to create new positive credit. Through removal of certain accounts, creation of new positve accounts and education on how to protect their new credit profile, we are able to set them up for a better finacial future.... and.... wait for it..... HELP YOU CLOSE MORE DEALS! I knew you'd like that last part!
I look forward to speaking with you soon!
But that doesn't mean we can't help you find what you're looking for!