Pricing

What to Expect when you Enroll

• 24 Hour access to updates from  any computer or smart phone
• The Letter Process
• Credit Education
• Credit Analysis
• Damages you can be Awarded
• Secure Credit Card (Optional)
• Purchase a Tradeline (to increase your credit score now)

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.

Late Payments

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

Collections

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

Repossessions

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

Charge Offs

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.

Foreclosures & Short Sales

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

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

Will also delete inquiries not associated with any open accounts, old addresses, old employers, old names used which are not the correct name. Once this is done you will see an increase in your credit scores.

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.