Repair Credit Score

Who qualify to receive our free credit repair package?

While you can repair your credit and repair your credit score yourself, we offer to pay IN FULL (no hidden cost) for your credit repair program for a whole full year. Who will we pay for? Our clients of course! Our client and his or her spouse will receive the above free credit repair program in order to ensure that they will be right back on track to buy a new home soon.

While our client can sell their house to anyone, if they sell to us, we will take care of them and their credit. You can list your home on the market and even pay a realtor to try to sell your home but the chance is you will pay alot of realtor’s fees, have your home on the market for a long time, and you may not even get a good price. By coming to us, you can create a win win situation for your future. If you are foreclosed on or have to file bankruptcy, don’t worry – let us take a look and put you on our free credit repair program.

The free credit repair system process

Once you are enrolled in the free credit repair program, the premier credit repair service company we choose for you will work on your credit report immediately.

Provide the credit repair service company with your credit report

We will guide you through how to obtain the first credit report yourself (thus not incurring any negative inquiry points on your credit report). Remember that you can pull your own credit report any time. But, if anyone else pulls your credit report, it is a negative point on your credit report.

The credit repair service company will analyze your credit report and come up with customized strategies to repair your credit

Once you have submitted your credit report to the credit repair service company, they will analyze your credit report and come up with personalized plan to improve your credit including customized strategies for your credit report.

Tracking your credit repair results

You can track the progress of your credit repair process online or by phone. You will see when derogatories are deleted and what are deleted as they are deleted from your credit report.

Question: How do I raise my FICO score by 40 points the quickest way ?

Hi, my credit report is really good, but here is what happened. I got really sick several years back and ran up debt. My parents worked with a lawyer to settle them and pay less but close the account. Most of these will disappear in the next 9 months, but I only need 40 points to get to standard. I have started working on fixing anything I can and have brought it up 30 points in one month, but what would you experts suggest I do to bring it up at least 40 more points soon. thanks
I have heard it helps to get a new good credit card and pay if off each month. I haven’t used a credit card for 6 years, so they say to get one and show you are alive and can pay things off. they say this will up your fico score. I have found the best on is B of A and you send in $300 collateral and then you get a “special”visa card and if you pay on time for the first 6 months, then it goes on record as a “good credit person:< Any of you know if this is true ?

Answer: So you have already gone through your report and fixed any errors. I have a credit watch program so that I can make sure nothing is going on that would take me by surprise. I tell you what, I am amazed at how quickly it goes down and how slowly it rebuilds! I recently disputed a problem on mine, it was one of those cell phone things. My husband needed service on the rails and they couldn’t provide even though they said they could. We had to cancel and go to another company. We were told that since they were the problem that we wouldn’t have to pay disconnect charges. Life went on for a year….then suddenly…WHAM….we get a call out of the blue! It was a collection company wanting over $400 in disconnect charges!! We arranged to pay that comapny about $200 of it and then they would call it even, we gave them the payment information and it never cleared. When we called back they told us that the company had decided to pull our file and send it to another collection company. Apparently Alltell is really bad about doing this. So…we decided that we wouldn’t pay….why would we? Thy put it on our credit despite our arrangement of payment so it honestly didn’t hurt us to leave it alone because they waited so long through this process that they only had about 18 months of it being on our credit! Idiots!
I decided that I would dispute the charges (in Jan 2007) because I thought maybe I would catch a break and it would be removed….instead Alltell re-repored it and it instantly took my credit score down over 50 points!! I have just decided to stomach the thing and never do business with them again (ahemmmmm Alltell)….and it will come off next spring.
So….Wendy….to make a very long story come to an end……only dispute things that have a chance of coming off or you will actually have an adverse reaction with your score.
Other than that….time and doing the right thing are all that you can do. From everything I have heard, companies that claim to be able to repair your credit are a hoax.
Also make sure that you don’t close out all of your credit cards (those with 0 balances) because my friend (an accountant) says that she has seen this have a huge impact on a score (a drop of over a 100 points). Don’t ask me why because I am not credit savvy….just passing on the tip!

Fix Credit – Is there a “Quick Fix” for credit repair

Question: transferring to a four year university from a two year college?

in high school my grades were b’s and c’s but my attendance was so bad i wasn’t able to get in a four year college. in my first 2 years at community college i kept dropping out of my classes so i have not received any credits. if i go for another 4 semesters (i am really motivated now), and get a 4.0, do lots of internships and volunteer work, retake my sats and score high, could i get into a really good 4 year college and then into a top tier law school?

Answer: I believe that with hard work and tenacity, you will do just fine. Just make sure that this is REALLY your goal and what you REALLY want to do in your academics and career. Forget about what happened in your past. That is all behind you now. I knew students attended Harvard Law even though they were academically problematic in high school (they were really smart, but just too lazy or would rather skip classes and impact their attendance in school). I think if you work really hard and not worry so much about what you did in the past, you’ll be ok. This in NOW and you need to get your act together (which you are probably already doing). Take care and good luck.

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