Our Program

Our goal is to get our client’s credit scores to 700 and greater. 
To achieve this goal we do two things. One, we get negative items off the credit report. Two, we help our clients to strategically add and manage open accounts. We do both things simultaneously to cause a rapid and dramatic increase to the credit score. We then work to help our clients achieve their goals of home-ownership, owning a business and beyond.

Unlike a multitude of other companies, we take a very consultative approach to credit repair and credit restoration. Our clients meet monthly with their assigned Credit Advisor through online video conferencing or over the phone, whichever one they choose.  It is during these collaboration/coaching meetings that we employ strategies to impact all 5 categories of the FICO Scoring Model.  This is in addition to a vigorous campaign to remove inaccurate, unverifiable and unknown negative items from the credit report.. Our goal is to cause a rapid and dramatic increase to the credit score, allowing our clients to more quickly enjoy the benefits from a great credit rating and profile.

Our program is designed to impact all 5 categories of the FICO Scoring Model. Unlike other companies who’s focus is almost 100% on removing negative items, which only impact 35% of the credit score, we also help to add and manage open accounts. This comprehensive approach puts our clients in the best position to improve their credit scores.

1. Payment History 

35%

We will dispute derogatory items on the credit report to get them removed. We will also help to establish more accounts that are generating a positive payment history (if necessary). Through our monthly meeting we encourage (coach), our clients to pay their bills on time.

2. Revolving Debt Ratio 

30%

We will help to establish new credit accounts (if necessary), and train our clients on the optimum levels to keep their credit card balances. Through our monthly meetings we also encourage and “coach” our clients to consistently maintain low balances on their revolving accounts

3. Age Of File

15%

We will implement strategies to increase the Age of File/Average Age of File. We will also train our clients on which accounts to close and which to keep open to maintain a long credit age.

4. Mix Of Credit

10%

Our program is designed to help clients achieve a good mix of credit. We have determined that at a MINIMUM a client should have:

• 2 Major Credit Cards (Bank Revolving Account)
• 1 Department Store Card (Retail Revolving Account)
• 1 Installment Account

If the client does not have this minimum configuration of open accounts, then we will help them establish new positive credit.

5. Inquiries

10%

We will help the client avoid needless inquiries by only applying for those new accounts where the client is highly likely to be approved. We will also provide training and strategies on how to avoid accumulating needless inquiries.

We Promise You the Best

We promise our experts will guide you through the process to make your credit goals a reality. Let one of our experts help you today. Contact Us