What is the Process, and What Services Are Included?

Are you ready to commit to improving your Credit Health? Call for a Free Consultation at (614) 578-6952.

The Process

Budgeting/Credit Report/Score Evaluation/In-depth Credit Analysis: This includes discussing the action plan with the client to determine the desired goals.
Access to your private secured portal so you may monitor the process and your results daily & share them with your referral agent.
Initial disputes: We only use methods that have proven to be effective in clearly stating the facts and pointing out the FCRA; of the inaccurate/outdated item. We can ask for validation to ensure the account information is correct, or they must remove it!
Contact Creditor Directly: If the Bureaus continue to resist the removal of the inaccurate item, you may want us to contact the creditor to ask for account verification to ensure the account information is correct.

In your in-depth Credit Analysis, we will discuss EACH item on your tri-merge credit report and discuss the game plan we have created for you along with an estimated time frame. This includes credit report evaluation, a dispute action plan with the bureaus and creditors, and credit re-education to better optimize this commitment you've made to improve your financial picture moving forward. It is that simple! Your enrollment payment will be due after we have completed your full credit analysis, answered all of your questions, and given you your estimated timeframe for completion of our program. You choose your start date.

*All Monthly Payments are scheduled on the 15th of each month. (Remember, we schedule your payment after our work is completed, and we bill in arrears).

The Cost

Our price plan is affordable and structured to allow you to get started now with no worries. It is a pay-as-you-go; after we perform the detailed, in-depth credit analysis, your enrollment fee is scheduled on the date you choose.

*It is mandatory to keep the credit monitoring active while you are in our program/throughout the credit process.

Credit report summary with pie charts and data tables.

Single plan

Premier Single Package: Enrollment Fee: $250.00… Only $110.00 monthly thereafter (billed in arrears, 15th monthly)….. We will create a secured portal for you to monitor all results 24/7. We will create a custom game plan for your credit challenges, guide and educate you on the path to ensure your credit is accurate, timely, and verifiable with all 3 bureaus. Assist you with opening new positive trade lines to help boost your scores. We will also opt you out of pre-screened offers and ensure the bureaus have your current/legal name, address, etc. It is mandatory to keep your credit monitoring active throughout our process. *We can also create a personalized budget if needed.

Couples Plan

Premier Dual Package: Couples Enrollment Fee: $375.00 ($125.00 savings)… Only $220.00 monthly thereafter. We offer a discount with the enrollment fee to add a spouse or an adult child. (Then each person is $110 monthly building arrears on the 15th)…. We will create a secured portal for both of you to monitor all results 24/7. We will create a custom game plan for your credit challenges, guide and educate you on the path to ensure your credit is accurate, timely, and verifiable with all 3 bureaus. Assist you with opening new positive trade lines to help boost your scores. We will also opt you out of pre-screened offers and ensure the bureaus have your current/legal name, address, etc. *We can also create a personalized budget if needed.

One Month Rush Plan

One Month Rush Special $175.00 single/$275.00 couple … We will create a secured portal and an expedited action plan to achieve the results needed. We will opt you out of pre-screened offers, as well. We can assist with getting secured cards or lines of credit that will report to all 3 bureaus quickly. We will call you/email you with your updated results of corrections and deletions in 30-35 days after we start. (This plan is typically for those who only have 1-2 inaccuracies and a short time frame) * It is mandatory to keep the credit monitoring active throughout our process.

Monthly Credit Watch

Monthly Credit Watch, $35.00 per month.…. Monthly Credit Watch is a service we now offer for our happy clients who want their Credit Specialists to monitor their credit fluctuations monthly, give them updates, and advise them on how to continue to improve their credit score. This is typically for those who have completed our program and want to have a trained eye on their credit file, ongoing. We have other customized plans to suit your specific needs, please call for detailed pricing.* It is mandatory to keep credit monitoring active throughout our process.

*We also offer Budgeting Services for an additional fee.

Term

Each individual situation will vary. Please remember we bill in arrears, so the services we completed last month will be billed scheduled for the 15th of the following month. We do ask that you send us all creditor reply letters, pay all of your bills on time, don't allow any new collections or liens to be added to your credit, pay down your open, credit cards, pay your monthly bills on time and ensure that our monthly payments clear. It is also mandatory that you keep your credit monitoring active throughout our process.

The Guarantee

There are no legitimate Credit Education and Credit Improvement Companies that can guarantee specific results. However, we feel that you will have a much better understanding of the credit reporting laws for the credit bureaus & companies reporting to the bureaus. If there is inaccurate information on your credit report, we will dispute it, and it will be removed or corrected. Our guarantee is to reassure you that our process works! Results will vary depending on the errors reported on your credit report and your ability to do the necessary tasks to succeed. Many times, repetition gives us great success. Your credit did not get here overnight, and it will not be fixed overnight, but you will have an amazing start for your New Start!