Pricing
Choose Your Plan
We prepare an in-depth credit analysis to calculate and indicate areas of improvement for your credit score. With our specialized programming, we fine-tune individualized plans to improve current credit score in a timely matter! With a one-time fee of $249.97, we can start the process to financial independence and protecting your newly acquired credit with our many program options.
Our Pricing Plans
This is what we do in our monthly services
$0 month
Analysis and review of client file status- Receiving and processing manual updates.
- Respond and receive correspondence by mail or phone.
- Review client’s credit report updates to determine next steps.
- Create a strategic plan to assist clients in meeting their goals.
- Create and send dispute letters to creditors.
- Assist with budget and credit question/process.
- Provide ongoing credit education.
- Provide ongoing budget and spending recommendations.
- Provide clients with access to educational portal sites.
- Update clients with educational materials.
- Provide debt consolidation options.
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- Personal Data Clean Up
- Inquiries
- Bankruptcy
- Collections
- Repossessions
- Student Loans
- Foreclosures
- Monthly
- Setup Fee
CREDIT ANALYSIS
$350 month- Review your credit report for inaccurate items.
- Review of outdated accounts.
- Review your credit report for inaccurate personal information.
- Review accounts that can be made current.
- Review accounts with high credit utilization.
- Build a plan on how to fix information.
- Build a plan to raise your credit score.
- Build a plan to rebuild your credit score.
- Provide you with a detailed report of everything listed above.
- Consult with you over the phone regarding your detailed plan.
- Video training on how to raise your credit score.Training rebuild your credit score.
Glossary
Bankruptcy
Bankruptcy is a legal status of a person or other entity who cannot repay debts to creditors. In most jurisdictions, bankruptcy is imposed by a court order, often initiated by the debtor
Charged-Off Accounts
A charge-off or chargeoff is the declaration by a creditor (usually a credit card account) that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt. Traditionally, creditors will make this declaration at the point of six months without payment.
Collections
Debt collection is the process of pursuing payments of debts owed by individuals or businesses. An organization that specializes in debt collection is known as a collection agency or debt collector
CROA
The Credit Repair Organizations Act helps protect consumers from becoming a victim of a credit repair scam by regulating the credit repair industry.
FCRA
The Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.
Foreclosures
Foreclosure is a legal process in which a lender attempts to recover the balance of a loan from a borrower who has stopped making payments to the lender by forcing the sale of the asset used as the collateral for the loan.
Inquiries
Credit inquiries are requests by a “legitimate business” to check your credit.
Judgements
A judgment is a formal decision made by a court following a lawsuit. In the world of credit, it’s not uncommon for creditors or debt collectors to sue debtors for nonpayment of their debts and obtain judgments
Late Payments
A late payment is an amount of money a borrower sends to a lender or service provider that arrives after the date that the payment was due or after a grace period for the payment has passed.
Personal Data
Personal information includes names, addresses, social security number, date of birth, and employers. Most credit reports contain social security number and date of birth or at least the year of your birth. This information is used for identification purposes and for contact by lien holders.
Repossessions
Describing the act of the actual owner of an item either rented, leased or borrowed taking the item back, either with or without compensation, or a lienholder taking possession of an item used as collateral for a loan from its registered owner
Short Sales
A short sale is a sale of real estate in which the net proceeds from selling the property will fall short of the debts secured by liens against the property. In this case, if all lien holders agree to accept less than the amount owed on the debt, a sale of the property can be accomplished.
Student Loans
A student loan is a type of loan designed to help students pay for post-secondary education and the associated fees, such as tuition, books and supplies, and living expenses.
Tax Liens
A tax lien is a lien imposed by law upon a property to secure the payment of taxes. A tax lien may be imposed for delinquent taxes owed on real property or personal property, or as a result of failure to pay income taxes or other taxes.