Moments of Reflection and Growth

BASIC VS ELITE PACKAGES?

Basic plan: 

•5 Rounds of Written Disputes(First results in 30 days) 

•Email/text communication only with staff

•Credit Repair Ebook

•Credit building info

Elite plan:

•Everything Basic offers +More

•Faster Results

•5 Rounds of Written & phone disputes(first results in 7days)

•Email/text/PHONE communication with staff

•Personal credit building info

•Business credit ebook

•Business credit $50k loan info

Can you remove late payments?

•Late payments can come off, it is a 50/50 chance they will update it to paid on time. If you only had one or two 30 day late payments & you’ve been paying on time faithfully ever since then they will update it because your a valuable customer 

•If you haven’t paid in months or haven’t paying on time consistently, then most likely they will not update the account. You would need to remove the entire account at that point and take the loss of account

How long is the process?

1-3 months in most cases, each case is different so it can be longer.

How long does it take to remove inquiries?

Once the credit bureaus receive our disputes, it can take…

•Transunion- 7-30 days

•Equifax-30 days

•Experian-24-72 hours

Are the removals GUARANTEED?

While we cannot “guarantee” to remove all of the negative items on your report, we can assure you that we will prepare and send out up to 5 rounds of disputes to the credit bureaus on your behalf. We know how to use the consumer laws in your favor and we have an awesome removal rating.

What happens if I get new negative items while you’re repairing my credit?

We can dispute new the new items if this happens. To dispute the new items, we charge $100 per new negative account and $50 per new hard inquiry removal. We will start a brand new dispute process for the items and it can take 30-90 or longer to be removed.

Once you remove these negative items,

I don’t have to pay them anymore?

We can remove the items from your credit reports, but we can’t remove them from your life. The items will no longer appear on your credit reports, but you will still be liable for any payment arrangements that you signed for with the companies.

What strategy will you be using to dispute these accounts?

The credit system is flawed, and nearly 80% of all reports have errors that can lower your score. But you have rights and we know how to use them to your benefit! The law gives you the right to dispute any item on your credit reports. And if those items cannot be verified, they must be removed. So we will write many letters to the bureaus. If they can't prove it, they must remove it! And we are very good at this!

How reinsertions work:

•We send dispute, by law the bureaus are supposed to remove any fraudulent items 4 days of receiving disputes until the investigation is complete

•the company receives disputes and has 30 days to verify the account is accurate.

• company verifies the account is active and reinserts it back onto the report by verifying with all the information they ever collected from the client(signatures,contracts,

etc)

•technically the credit bureaus are supposed to investigate themselves but they just take the word of whatever the creditors are saying and add it back on illegally. They know people don't know the laws to fight it. We send a specific reinsertion letter for this in hopes that the credit bureaus will comply. 

Options if items are stubborn to come off report ?

1.) Wait for it to fall off ( 7yrs)

2.) Keep disputing until it gets into the right hands with different methods. ( sometimes it's who sees the letter and the way you send it) remember these are ran through e Oscar system ( computers verifying your letters)

3.) Sometimes you can either settle for a pay per delete but make sure you have in writing the terms so they can guarantee deletion

4.) Sue each credit reporting agency, for violations of your consumer rights. 

( and possibly win monetary relief * You can sue up to $1,000 PER violation and more 

Disclaimer: We can only remove inquiries that are not attached to credit cards or account that you have open.