Fast, Fair, Credit Repair - Credit Repair Services

CREDIT REPAIR

Credit repair is the process of reviewing, evaluating, disputing, and updating any incomplete information found within a consumer credit file. This is achieved by working directly with the credit bureaus, collection agencies, and other creditors. A consumer has the right, and is also encouraged, to perform their own credit repair; however, is it is highly recommended to utilize the expertise of a credit repair consultant. A credit repair consultant works closely with the consumers to insure them that they are aware of their rights under the Fair Credit Reporting Act (FCRA) and will assist with utilizing every opportunity to have all of the information within their consumer credit files verified for completeness and accuracy. Beyond that, the consultant will advise the consumer on numerous positive actions which may be taken to increase, build, and rebuild positive credit.

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Upon signing up for our service, we will schedule a personal consultation with you to explain in detail how your credit score works. We will then create a customized plan of action to help you to achieve your goals. We do not engage in any illegal or deceptive credit repair practices. You will give us your full permission to draft and sign letters on your behalf in order to assist us in negotiating account settlements with your creditors. The results can vary and are usually seen within 45 days to 6 months depending on the severity of your individual situation. Results from disputing inaccurate information can usually be expected within thirty to sixty days and are mailed directly to the clients from the 3 major consumer reporting agencies (Experian, TransUnion, and Equifax).

Fees

We do not charge in advance for credit repair services. There will be a fee of $350.00 collected five days after the date that the Credit Repair Service Agreement is signed. This fee is for work performed on the client’s file. After signing, the client may cancel the Credit Repair Service Agreement at anytime within 5 days without incurring any penalty.

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Refund Policy

If a current client applies for and obtains a home loan using the professional mortgage services of one of our preferred lenders within 90 days from the date of signing the Credit Repair Service Agreement, then the full amount of $350.00 will be credited to that Client at the close of their home loan once funds have been disbursed. This refund offer is extended as a way of promoting the professional mortgage services of our preferred lenders.