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Credit Resource

Credit Restoration

How We Start Restoring Your Credit

When you register for our service one of our experts will contact you. They help you get your credit reports from the three major credit bureaus — TransUnion, Experian and Equifax. The bureaus put together credit reports from the credit history data your creditors supply them. Not every creditor sends information to all three bureaus so your credit reports and credit scores will vary. No two clients have exactly the same financial situations so their credit reports are bound to differ.

 

The Next Credit Restoration Steps

Since each client’s case is unique we need to collect information on your specific circumstances for each disputed report item. The expert assigned to your case reviews your credit reports. After this review they pass on details to our processing team for further investigation. They also contact the credit bureaus for clarifications. Your credit report items are carefully audited, analyzed and matched with documentary proofs. Our experienced credit restoration team know the exactly right credit repair strategies to apply to each case.

 

Credit Score Analyses

Our clients receive a personalized credit score improvement analysis each month. This includes specially targeted information that may help them to raise their credit scores. In addition, our experts offer a helpful coaching service through phone, email, or website chat. Many clients benefit from their credit score improvement tips.
As the credit bureaus investigate the credit report mistakes we find, expect to receive their responses. It might take them a few months to respond. Be sure to send us any responses you receive from credit bureaus or creditors. You can track your credit restoration progress and monitor your results 24/7 with our easy to use website.  

 

Pricing

 

Most credit restoration companies charge monthly because the longer they take to deliver results the more $$$ they make. We charge a flat fee and achieve results quickly. This policy makes our service much cheaper and faster than these competitor services. We also have credit restoration plans for all budgets; just give us a call to arrange a plan to match your finances.

These are our most popular plans with the fastest RESULTS!

Platinum Plan — One Person- $149

Enrollment includes credit report audit, analysis and setup. It is possible to pay in six monthly instalments of $99 per month.

 

GOLD Plan — Two people- $199

Enrollment includes credit report audit, analysis and setup. It is possible to pay in five monthly payments of $159 per month.
Debt Discharge

Debt Discharge

Know Your Rights – Can Collection Agencies harass you?

Does the following bad credit scenario seem sadly familiar? “The collection agencies have been calling me all hours of the day and night. How can I get them to stop contacting me?” People in challenging credit situations might have to deal with these annoying calls, but do they have to put up with them?

 

Do collection agencies have a legal right to pursue debtors at all hours?

In order to deal with debt collectors, it pays to learn what they can and cannot legally do. Although most bill collectors are careful to follow the law some are not so particular.

 

Federal law prohibits bill collectors who work for a collection agency to call you at unreasonable times. The law treats calls made before 8 a.m. or after 9 p.m. as calls made at unreasonable times. For some people calls at other hours might also be unreasonable, for example, calls made to night workers in daytime hours.

 

The Fair Debt Collection Practices Act (FDCPA, 15 U.S.C. § 1692 and following laws) bar debt collectors from a number of unfair debt collection practices. They are not allowed to:

 

 – Harass debtors

 

 – Use abusive language

 

 – Use false or misleading statements

 

 – Add unauthorized charges

 

The FDCPA also gives you a right to demand in writing that a collection agency stops contacting you, There are a couple of exceptions to the no contact request  – they can let you know that the collection efforts have ended, or that the creditor or collection agency plans to sue you. Hopefully, it will not get as far at that!

 

Do the FDCPA Provisions cover all Debt Collectors?

It is important to note that the FDCPA legislation only covers debt collectors who work for collection agencies. These restrictions do not apply to employees of the creditor’s own collections department.

 

Help is Available — don’t forgo your legal rights

If a debt collector that works for a collection agency breaks the law, you can take steps to make sure it doesn’t happen again. Our experienced team knows the steps required to quickly put a stop to unfair debt collection practices.

 

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