Initial Audit Fee – $299.00 Per Person – $499 Per Couple
(One-time fee, charged 24hrs after signing up for credit repair services.)
$99.00 Monthly Subscription
Comes with Money Back Guarantee see Details Below
Below is list of services included in the Initial Audit
What to Expect when you Enroll
If we are unable to delete any negative items from your credit report in 180 days, we will refund your Initial Audit Fee in full.
We highly recommend clients to maintain an active credit monitoring service from all three credit bureaus. If you don’t already have one, we will suggest you sign up for our preferred credit monitoring site which is $1 for the first 7 days and then $24.99 a month.
Therefore, the most a client would pay monthly is $83.99 which includes the $59.00 monthly subscription and $24.99 a month for credit monitoring between 90 to 180 days depending how severe your credit is. Our goal is to get you to a 700-credit score within 90 days.
We realize that you might have late payments on your credit report. We contact the credit bureaus and creditors to demand they are reporting 100% accurate information pursuant to the Fair Credit Reporting Act (FCRA) and the Fair Credit Billing Act (FCBA). Late payments can appear because of the following:
Job Loss Financial Hardship
Hospitalization Computer Error
Deployment Inaccurate Reporting
Collection accounts can seem to be very burdensome, and you may not know exactly what rights you have. We will never suggest for you to not pay a collection agency, but before you do, we will ensure that they provide proper validation and are able to prove the account is yours. There are times where collections agencies report inaccurate information on your credit report, so it is their responsibility to provide verification that the accounts are being reported accurately. They must do the following:
Must Ensure Balance is 100% Accurate
Provide Account Validation When Disputed Mark Account “In Dispute” when disputing
Not be in Violation of FDCPA or FCRA If there is Proof the account must be deleted
In compliance the Furnisher Rule
No one likes when their car is repossessed, and we don’t want you to feel that you are never able to recover. Creditors and credit bureaus must report accurate information on your credit report. In addition, they must provide documentation that supports any information reported. Lenders must do the following:
Must Ensure Balance is 100% Accurate
Provide Account Validation When Disputed Mark Account “in Dispute” when disputing
Not be in Violation of FDCPA or FCRA If there is Proof the account must be deleted
A charge-off occurs when your account typically goes over 180 days past due and the creditor has closed your account. They then will do one of two things: Hire a collection agency to collect the debt or file a judgment against you. Just like with any other account, the account must be listed 100% accurate on your credit report and we ensure creditors do the following:
Must Ensure Balance is 100% Accurate.
Provide Account Validations When Disputed Mark Account “In Dispute” when disputing.
Not be in Violation of FDCPA or FCRA If there is Proof the account must be deleted.
A foreclosure can prevent you from being approved for credit again. But knowing how to request validation or verification can be the key to proper removal. Banks must do the following:
Must Ensure Balance is 100% Accurate
Provide Account Validation When Disputed Mark Account “in Dispute” when disputing
Not be in Violation of FDCPA or FCRA If there is Proof the account must be deleted
Public records can cause your credit score to drop significantly. The Courts do not report to the credit bureaus. Even though this is the case, it is still important that you get the proper documentation in order to remove these accounts if not accurate. We can dispute the following inaccurate public records:
Chapter 7 & 13 Bankruptcy
Federal Tax Liens & State Tax Liens
Judgement, Child Support, Evictions
According to FICO, a hard inquiry will typically result in a 5-10 point drop in your credit scores. Hard inquiries remain on your credit report for two years.