Protecting Your Financial Future & Keeping Your Family Secure
INTRODUCING
The Next Generation
of Credit Repair
Imagine having financial options where you can knowingly get approved for a mortgage or car loan at a preferred rate.
INTRODUCING
The Next Generation of Credit Repair
Imagine having financial options where you can knowingly get approved for a mortgage or car loan at a preferred rate.
Take our credit insights for a spin and sign up later!
5+ Years
of Experience
Free
Credit Repair Evaluation
Professional
Disputes by our Experts
Real Time
Status updates
Not All Credit Scores Are Equal
Created Equal
We’re passionate about going deeper down the credit bureau reporting rabbit hole than anyone else, discovering what’s important.
Learn how we can help.
Call: 954-646-7334 or Book A Consultation
CUSTOMER TESTIMONIALS
What others are saying about us
"I’m beyond grateful for this Joseph's family! I received tremendous results within my first 30 days & several items deleted!"
- Jimmy (New York, NY)
"If you have been doing Credit Repair or Credit building by yourself, you don't know what you're missing. This Academy allowed me to purchase my dream car with absolutely 0$ money down!"
- Roxana (Columbus, OH)
"This Credit & Wealth Academy has dramatically changed my entire life! Glory to god, 700 credit score, several items deleted & a new homeowner!"
- Cindy (Orlando, FL)
Our Process
It’s just unconventional. SIMPLE. SMARTER. BETTER. EASIER.
Learn More
Call us or inquire online to learn more. If we can’t help, we’ll let you know. We’re not here to waste your time or money.
Risk-Free Assessment
A helpful, knowledgable Dedicated account manager is assigned to you and/or your significant other to formulate custom tailored strategy
Dispute Process
We work tirelessly with you to defend your case and optimize support to achieve favorable outcome.
Introducing the Next Generation of Credit Repair.
All of your credit, mortgage, and loan accounts feed the financial data to the credit bureaus, who then prepare such credit reports for the future lenders’ overview. That way, they gain an insight into your situation and decide whether or not, and on what terms, borrow you the money.
Your credit reports essentially include the following:
- Credit accounts, such as credit cards, auto loans, or mortgages;
- Detailed opening and closing dates;
- The amount of debt on each account;
- Your credit limit on the specific account;
- Your payment history;
- Credit inquiries - hard and soft inquiries into your credit reports. Note: only hard inquiries impact your credit score and can be seen by potential lenders;
- Public records portion that includes filed bankruptcy, foreclosures, repossessions, or tax liens.
Frequently Asked Questions
How do I obtain a copy of my credit report?
Did you know you are entitled to obtaining three copies of your credit reports from all three major credit bureaus once every twelve months? The Fair Credit Reporting Act made it possible for all consumers to gain insight into their credit situation at no charge utilizing the only authorized and reliable source - AnnualCreditReport.com. The website offers credit reports from Equifax, Experian, and TransUnion. To get your free credit reports, you will need to provide your personal information, including social security, legal names, address, and date of birth - all necessary to identify you correctly.
In case you have been denied credit or loan for any reason, you may also request a copy of your credit report to see what information impacted the lender’s decision. After receiving your adverse action letter, which contains the credit bureau information, you have 60 days to request the report for your overview.
How long does the Credit Restoration process take?
Everyone's credit situation is completely different, so how long it takes for you to achieve your expected results depends on the number of derogatory credit items on your reports, your participation in getting credit reports to us, and the level of credit bureau cooperation. We will do our part, the auditing and creating dispute letters based on your reports, usually within 48 hours from the date we receive them. Most of the wait-time after is usually spent waiting for the credit bureaus or creditors to respond.
How Much Will This Increase My Credit Score?
Many of our clients have seen an increase of 100 points or more*; however, the actual amount will vary per customer. There are many factors that affect a credit score besides derogatory items. For example, the ability to pay down revolving debt, the type of credit you have, your length of credit history, even the number of inquiries on your credit file. It is especially important that no current accounts fall into a negative status.
* Results may vary by individual.
How Long Will It Take The Credit Agencies To Respond After I Send Them My Dispute Letter?
You will receive updated credit reports from all three credit bureaus after 30 to 45 days. At that time you will see what was deleted and will need to mail the originals to us so that we can continue working on the remaining items. You will actually know what was deleted before we do, which is why it is so important that you forward all credit bureau correspondence within a few days of receiving it.
If the credit agency does not respond to your dispute letter, do not be alarmed, a new dispute letter will be generated when your file is reviewed by the processing center every 60 days.
How Can I Check My Progress?
Every 60 days, your file will be reviewed. Based on the documentation received from you, (credit report updates and letters from creditors) a new dispute will be generated and forwarded to you to review and sign. Along with the new dispute document, you will receive a status update report showing the progress and deletion of accounts to date. You can access your account at any time to check for updates through your account dashboard.
We are an innovative team with a group of dedicated, passionate, and remarkable individuals determined to help you repair financial defects from your record and help discover ways to improve credit score.
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