TO DO LIST:

1. Setup up business
2. Create Contract

ADMIN SECTION:

REPAIR GUIDE - Old from IMC
BUSINESS CONTRACT -
BUSINESS CONTRACT -
BUSINESS CONTRACT -
BUSINESS CONTRACT -
Consumer Rights
Pay for Deletion Letter
Request for Report

PRICING OPTIONS

One-Time Fee: $899? One Year?
Month-to-Month: $99? $149(First Month)

REFERRAL PROGRAM

Referral Page

INTRODUCTION

Dont wait till you actually need it to fix your credit! Start Now!
Why is credit repair so important? Buying Real Estate, vehicles, getting credit cards and loans
What can be removed Bankruptcy, Foreclosure, Late Payments,Excessive Inquiries,Judgments,Collections,Reporting Errors,Repossessions,Credit Fraud,Identity Theft,Charge-Offs

Who are the best candidates?

How does the credit repair process work?

When a credit repair company begins working for you, they immediately pull your credit report from all three credit bureaus (Equifax, Experian, and TransUnion). During a free consultation, a credit specialist will review your report with you to see if they’d be able to help you. If you have negative information that could be contributing to a bad credit score, then you’re a good candidate for credit pair. Then the team reviews your reports in detail to identify potential mistakes and errors. This can take a few days to complete, as they look for mistakes in the credit history, duplicate accounts and expired negative items. If they identify errors on any of your reports, they’ll collect any documentation that you have, which will support your dispute. Once they have the documentation, they send it to the three bureaus and work with them to determine if the item or items should be removed from your credit report. The best credit repair companies review all three reports from each of the three bureaus because they might not all contain the same information. Each credit reporting agency has its own “data furnishers.” That’s what industry experts call banks, credit unions, savings and loan institutions, mortgage lenders, and credit card issuers. If the company does not review all three reports, errors could be missed. To be clear, there’s nothing that credit repair companies do that you can’t do on your own. Everything a credit repair company can do for you, you can do yourself at no cost. However, doing the work on your own can be a lot of work. You also may not have as much success making disputes yourself, which means negative information may remain and continue impacting your score. Hiring a professional credit repair service often increases your chances for success.

Many credit repair companies start by requesting a copy of your credit report from each of the three major consumer credit bureaus — Equifax, Experian and TransUnion. The company will review your credit reports for derogatory marks, like … Charge-offs Tax liens Bankruptcies Read more: What is a derogatory mark on your credit reports? Then, it will set a plan for disputing errors and negotiating with creditors to remove those items. That plan may include sending … Requests to validate information Letters to dispute erroneous negative marks Cease-and-desist letters to debt collectors on your behalf The company may also recommend applying for new accounts to add positive information to your reports. Be cautious here. If you’ve had trouble managing credit in the past, a new account may not be the best option. Plus it’s not a great idea to take on more credit if you don’t need it.

Can a credit repair company really help?

In a word, yes. These companies employ attorneys that are licensed to work in many states, or only provide services in one state. These attorneys understand the nuances of the trade and the law. Their experience makes them more effective when they’re disputing negative information on your behalf. These attorneys also apply provisions within federal consumer protection laws to help you improve your credit history. The best credit repair companies will help you to: Understand and evaluate your credit reports Know how your credit scores are determined Identify strategies that will continually boost your credit standing But let’s make one thing clear: credit repair may or may not improve a bad score. If you have negative information in your credit reports that is accurate, there is nothing a credit repair company (or you) will be able to do legally to remove it. So, if negative items are correct, you’ll need to rebuild your credit rather than repair it. You hire these companies with the idea that they will delete any mistakes on your credit report. And unfortunately, such mistakes can be numerous. A congressionally mandated study found that one in five consumers had an error on at least one of their three credit reports. Howard Shelanski, Director of the Federal Trade Commission’s Bureau of Economics, says, “These are eye-opening numbers for American consumers. The results of this first-of-its-kind study make it clear that consumers should check their credit reports regularly. If they don’t, they are potentially putting their pocketbooks at risk.”[1] The study also found that one in four consumers had errors that could negatively impact their credit score.

Reasons to repair your credit...

How long will it take to repair my credit history?

There is no set amount of time to repair credit Each

Things you should do on your own to build your credit score?

keep your ratio down length of history

The Items Most Likely to Be Successfully Disputed

The best way to have credit repair success is to know what to expect from the process before you get started. If you go into it with an inflated sense of what you’ll accomplish, you’ll obviously be disappointed in the end. Realistic expectations can go a long way in credit repair (and finance in general). So, it comes down to knowing which items on your credit report actually meet the qualifications for a successful dispute. Since the process is designed to ensure your reports are accurate, the types of items that can typically be removed through credit repair are those that are, well, inaccurate in some way. This includes items that are erroneous, fraudulent, outdated, or unsubstantiated. Erroneous Items: The easiest type of item to dispute is one that is just flat-out erroneous. This covers basic errors, like spelling mistakes or misreported amounts, that can cause confusion or credit problems. For example, if that decimal point is in the wrong place, it may look like you have far more debt than you should. In many cases, simple mistakes take little effort for the credit bureau to investigate and can be fixed in a fairly short amount of time. Outdated Items: Another type of disputable item that’s generally easy to fix are items that are outdated. Most negative items can only remain on your credit report for a set amount of time before they need to be removed. Hard credit inquiries, for instance, last up to two years, while delinquent payments can last up to seven. Once these items hit their max age, however, they should be removed from your report automatically or you can file a dispute to have them removed. Fraudulent Items: If you’ve ever been the victim of identity theft, you could wind up with fraudulent accounts on your credit reports. While these accounts may seem legitimate at first, further investigation can often unveil their sinister origins. In addition to filing disputes to have fraudulent accounts removed from your reports, be sure to report any cases of identity theft right away. Unsubstantiated Items: The last of the frequently disputed items are those accounts on your reports that cannot be substantiated by the information providers. If they are unable to show that the debt or derogatory mark really belongs to you, the credit bureaus will remove the item. When considering credit repair, be sure to check all three of your credit reports. Credit bureaus rely on third parties to report your financial behavior, so not every item is reported to all three consumer credit bureaus (Equifax, Experian, and TransUnion). As a result, one or two of your credit reports could house disputable items that don’t show up on the other reports. Since you can’t predict which credit report(s) a creditor will use to determine your credit risk, all three of your reports should be in good condition to prevent missing out on credit in the future.