Who we are?

Our credit department is a licensed, bonded and registered Credit Service Organization, specializing in credit repair. We have over 16 years of experience in the credit repair industry and are experts with extensive knowledge of the methods used by credit bureaus and creditors allowing us to maximize the results our clients receive. Credit repair is much more than simply disputing a negative item on your credit report and then hoping that the creditor doesn't turn the response to the credit bureaus with in 30 days. When this happens, it is simply a band aid that more than likely will not last. If this was all there was to credit repair, anyone could do it. To do it properly with permanent results, it must be done properly.

What is Credit Repair?

We dispute specific key details of our client's negative items with the creditors and all of the credit bureaus as well as all of the public record as it pertains to the nature and origin of the trade line. The credit bureaus have tight federal guidelines that requires strict compliance. Credit scores come from three different bureaus, which lenders use to view your credit history:Each credit bureau utilizes their own credit software. Furthermore, your score may vary depending on the reason you are checking your credit at that time. If you are buying a car, your credit score may be different than when you are seeking a mortgage, applying for a credit card, or getting your "free credit report," and so on. When it comes to credit, your history is vital to your future. Each and every decision you have made and will make will have a noticeable and definite effect on your ability to acquire financing and borrow money in the future. Since credit plays such a critical part in your life, it would behoove you to spend some time learning how to maintain and/or improve your score.

Here is some key information that can help you maintain a strong credit score:

When it comes to getting a loan, who you are on paper is who you are period in the eyes of a lender. The higher your credit score, the less riskier the investment. And ultimately, that's what lenders are all about: minimizing risk. Thus, if you want to improve your chances of being seen as a "safe bet" to a lender and convince them that you will repay your borrowed funds in a timely manner, you must maintain a solid FICO® score. This score will determine what your interest rate will be, and if you get a loan in the first place.

Elements of Your Score
Before you can improve your score, you must understand what exactly makes up your score.

Are There Any Benefits to Being Reduced to a Number?
There are a few reasons why a quick, objective measurement of your credit worthiness could be a benefit to you.

Improving Your Score
Once you understand what determines your credit score, you can begin to bolster your chances of securing a loan on the best possible terms.

Myth vs. Fact
Learn the truth and common misunderstandings about credit scoring.

Credit Analyzer
You may be surprised to learn the a huge number of credit reports actually contain errors which negatively affect your score, and thus your ability to secure financing. Credit Analyzer offers 4 distinct services that you might want to consider.

Credit Reports

As mentioned before, the three credit bureaus - Equifax, Experian and Trans Union - each acquires and maintains their information independently; so the data they have on you may vary between them.

What Makes Up Your Credit Report
Once again, not all the data contained in your credit report is used to determine your credit score, and thus credit worthiness. Furthermore, some of the data may be inaccurate.

How to Review Your Report
As mentioned before, at least every year you should attain and go over your credit report in detail. You should obtain a copy from each credit bureau, especially before considering a major purchase.

Some Fairly Recent Credit Statistics
We now have a good amount of data about credit activity in the United States.

Credit Inquiries
What's a credit inquiry, and how does it affect your score? Do frequent inquiries really negatively affect my score?

Credit file corrections at all 3 repositories - modify credit scores in 72 hours or less.

Since the corrected credit is usually higher, more applicants can qualify for the best loan products at the best pricing. This is the quickest way to improve your credit score.

Credit Analyzer

Credit Analyzer is a powerful and important credit product available today. Credit analyzer provides four important services at a surprising low cost.

4. Real time interactive rescore analyzer that vividly demonstrates the impact of recommended actions.

Credit Management

Quarterly credit reports rotated through all 3 bureaus (reports are full reports not a watered down consumer version like you would get from a consumer credit website).

•         Quarterly credit reports rotated through all 3 bureaus (reports are full reports not a watered down consumer version like you would get from a consumer credit website).

•         Consult a paralegal.