WE HELP INVESTORS RESTORE THEIR CREDIT

Qualify for the most competitive loan programs on the market!
Qualify for higher loan amounts!

Qualify for lower rates and the better terms!

We understand investors, as entrepreneurs, sometimes have to juggle finances and make short term sacrifices that may affect their credit scores.  If you need help with your credit profile, we can help you! 

We work on a Results First, Pay After basis.  Pay us only after you see results. If we fail to remove any negative items from your credit report, you pay us NOTHING.  Zero.

ONLY PAY FOR WHAT COMES OFF YOUR REPORT

NO DELETIONS, NO PAYMENTS OWED!

Credit Restoration in 3 Easy Steps:

Step 1

Sign Up

Our sign up form is quick and easy.  It only takes a few minutes to sign up.  Click here to sign up.  

Step 2

Credit Audit

We conduct an analysis of your credit report and pinpoint the negative items hurting your scores. 

Order your credit report here.

Step 3

We Get Started

After we discuss the items to be corrected or deleted, we get to work.  Initial results can be seen within 30 to 45 days.

We Get Results or We Don't Get Paid

What we work on:

  • Collections
  • Short Sales / Foreclosures
  • Charge Offs
  • Auto Repossessions 
  • Inquiries

  • Late Payments

  • Public Records (Bankruptcies, Tax Liens, Judgments)

PRICING
(We charge per deletion)

Credit Audit and Account Set Up - $199This payment is made after we review your credit report and before we begin the actual dispute process. Our guarantee: If nothing is removed from your report within 90 days, this fee is refunded.

  • Personal Information - $10 (per item, per bureau)

  • Inquiries - $20 (per item, per bureau)

  • Late Payments - $25 (per item, per bureau)

  • Collection Accounts - $50 (per item, per bureau)

  • Charge Offs - $50 (per item, per bureau)

  • Automobile Repossessions - $75 (per item, per bureau)

  • Foreclosures / Short Sales - $100 (per item, per bureau)

  • Public Records - $100 (per item, per bureau)  

 

Please note: A deletion is defined as a negative item that is removed from any bureau during our process.  A repair or correction is defined as an item in negative status being changed to positive status. All prices are per item and per bureau. A removal of any negative item from any bureau counts as one removal. The deletion of an account from all three credit bureaus counts as three deletions.  For example, if 1 collection account is removed from all 3 bureaus, the cost would be $150 ($50 Fee for Collection Account Removal x 3 bureaus / Equifax, Experian, TransUnion).

Frequently asked questions

How does credit restoration work?


We disputie inaccuracies, error, and unverified information contained in your credit report.




How do I get a copy of my credit report?


To sign up for credit restoration, you will need to sign up for credit monitoring. We recommend Identity IQ. Click here to get started for $1. This will allow you obtain a copy of your credit report. Once you do this, we can conduct our Credit Audit and determine which items are hurting your scores. After we review and discuss with you, we will start our work.

You will need to maintain this credit monitoring for the duration of the credit restoration process. The cost will be $21.99 per month. This service will provide you with a monthly updated tri-merge credit report. This way you can keep track of your scores and we can keep track of our progress.




Do I have to use the credit monitoring service you recommend?


Yes. Technically, there is no limit to how many credit monitoring services you can have. However, while we work on your file, we must have access to the one we recommend. Scores can vary between credit monitoring services. By utilizing only one, we can view (and document) from the same source.

We use Identity IQ since it provides scores from all the major bureaus (Experian, Equifax, and TransUnion). By using our link, you get a discounted price per month. You will only pay $21.99 per month as opposed to $29.99 per month. Plus, you are able to sign up for a 7-day trial period that allows you obtain your credit report for $1. This is the report we will review and audit at first. If you move forward with the credit restoration process, the you will be billed the discounted price of $21.99.




What happens after I sign up?


You provide us with access to your credit report. We review and analyze it. Within 3 to 5 days afterwards, we will begin disputing negative items on your behalf. Your responsibilites during the process wiill be to: (1) maintain your credit monitoring service, (2) send us any correspondence you receive in the mail, and (3) pay your bills on time.




How long is your credit restoration process?


Every case will be different so it is hard to gauge a definite time frame. However, for moderate files we are usually finished between 3 to 6 months. In certain cases, the process may take up to 12 months. It all depends on the number of accounts and the types of negative items a client has. Also, during the process, sometimes an unexpected negative item is added to the a client's credit report by a creditor and may add time to the process.

The good news is that we get paid for results. Unlike other companies that charge a monthly fee, we only charge for items that are deleted. We have a financial incentive to cause as many negative items to be deleted as possible (as quickly as possible).




How do I track my results?


One of the requirements of our program is that you maintain a credit monitoring service which we can access monthly. You will be able to see updated results every 30 to 45 days when a new credit report becomes available. In addition, we provide you with a status update indicating how many negative items were deleted the previous round and what you owe us according to our pricing menu.

The credit monitoring service you must use is Identity IQ. Click here for discounted pricing.




How is your pay-per-deletion model different from other models?


Other companies charge you a large lump sum upfront or a monthly fee. If you think about it, there is no incentive for them to work quickly and efficiently since they are paid no matter what happens.

Our model is incentive driven. Our sytem is designed to ensure we will perform first, then get paid for the results we acheive. The more we do, the more we get paid. In addition, the better an investor's credit becomes, the more programs they can qualify for which allows us to make additional revene on the loan broker side.




Do you offer a warranty?


Yes. We guarantee that if we fail to obtain a removal of any negative item within the first 90 days, we will refund your registration and audit fee.

In addition, we also offer a lifetime warrany on any item we cause to be deleted. If any of the items that we caused to be deleted or corrected are placed back on your credit report in its original form, and you have complied with all your obligations, we will attempt to correct or remove that item for free. If we are unsuccessful after 90 days, we will issue you a refund on that particular item.




What is a Credit Audit?


A credit audit is a full and thorough in-depth review of your credit report that identifies what is hurting your credit profile. Once we isolate the accounts or items that are adversely impacting your scores, we formulate a plan of attack. We will conduct a credit audit every 30 to 45 days to keep track of your progress. It is very important that you forward to us all the correspondence you receive from the credit bureaus and/or creditors so that we can implement the correct strategies, round by round.




What documents do I need to get started?


After you sign up for your credit monitoring service, we need the following: 1. Address Verification. We need 2 of the following: - Drivers license - State or government issued I.D. - Bank or credit union statement (sensitive information such as account numbers, balances, transactions, etc. can be blocked out) - Canceled check (within the past 60 days) - Utility bill (electric, gas, water, telephone, cell phone, etc. within the past 60 days) - Pay stub (within the past 60 days). Must contain your address. 2. Social Security Verification. We only need 1 of the following: - Social Security Card - W-2 (if FULL social security number appears on it)
- First page of your 1040's or Tax Returns





 

CREDIT RESTORATION SIGN UP FORM

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