CREDIT REPAIR
HOW IT WORKS
The Fair Debt Collection Practices Act and other consumer protections gives us the right to act on your behalf to force particularly uncooperative credit bureaus and collection agencies to remove inaccurate items, and fix errors on your credit report. There are many laws in place that protects the consumer on how and when debt is reported to the credit bureaus. Any outdated personal information such as misspelling of your name, old addresses, addresses that don't belong to you, all have effect on your credit score.
The Fair Debt Collection Practices Act (FDCRA) is designed to help ensure that credit bureaus furnish correct and complete information to businesses to use when evaluating your application.
Your rights under the Fair Debt Credit Reporting Act:
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You have the right to receive a copy of your credit report. The copy of your report must contain all of the information in your file at the time of your request.
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You have the right to know the name of anyone who received your credit report in the last year for most purposes or in the last two years for employment purposes.
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Any company that denies your application must supply the name and address of the credit bureau they contacted, provided the denial was based on information given by the credit bureau.
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You have the right to a free copy of your credit report when your application is denied because of information supplied by the credit bureau. Your request must be made within 60 days of receiving your denial notice.
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If you contest the completeness or accuracy of information in your report, you should file a dispute with the credit bureau and with the company that furnished the information to the bureau. Both the credit bureau and the furnisher of information are legally obligated to investigate your dispute.
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You have a right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction.
Credit bureaus tend to stall and drag out the dispute process for consumers that do not know the laws and regulations that credit bureaus and creditors must follow. The credit bureaus benefit from all the inaccurate information that is disputed each year. The Credit bureaus are a privately owned company (not owned by the government which many people think) and get paid for every dispute that is made. The estimated annual revenue for the credit bureaus was over 4 billion dollars in 2013. Inaccurate information and reporting is a common problem for a lot of consumers, but no need to worry, the credit professionals at Credit Concierge Services have years of experience fighting these disputes on your behalf. Here at Credit Concierge Services we have made the process of getting your credit fixed easy and rewarding. Our process can be broken down in to four simple steps, each with enormous value.
PROCESS TO GETTING STARTED
1. CREDIT REPORT
During our free consultation, we’ll help you obtain your credit report from the three major credit bureaus. This is where we’ll identify the errors and inaccurate information on your credit report, as well as the best solution to raising your score. We will then enroll you in either our credit repair program or credit enhancement.
2. CREDIT REPAIR Your credit concierge specialist who is assigned to you, will immediately get to work on sending the appropriate legal challenges and disputing all the negative credit items in accordance with your case. Get 24/7 portal access and watch as those items fall off!
3. CREDIT ENHANCEMENT
If your credit does not need any credit repair or you just finished our credit repair program then adding seasoned trade lines is just what you need for your financial goals. After finding the right trade lines that will benefit you the most, just sit back and watch your score jump as much as 60 points in 60 days or less. Start saving thousands in inflated interest on your next purchase.
4. ROYAL TREATMENT
Once you have completed one of our credit programs, our customer service doesn't stop there. Its time to benefit from your perfect credit score and start obtaining your financial goals. We provide access to our trusted affiliates of auto loans, mortgage brokers, and credit cards to help save you thousands in interest rates and fees.
Credit Concierge Services treats you like a unique individual with a unique credit history, and tailors our process to meet your needs and maximize your potential by digging deep into your credit history and fighting for deletions. Knowledge is power to keeping your credit healthy. Unlike other companies we want our clients to have access to that knowledge, while your enrolled in our credit repair program or credit enhancement, come participate in our free credit counseling seminars that we offer, learn more about every day credit and financial decisions that effect you in your daily life.Contact us now for a free consultation.
WHAT BAD CREDIT COSTS
Bad credit doesn’t just deny you from getting your perfect home, dream car, or the personal freedom to live comfortably or excel in your business, but will continually cost you money in the long term, forcing you to pay large amounts of money down, expensive deposits, and outrageous interest on loans that can become impossible to afford.
It’s not just bad credit that will hold you back. A person with a 30 year mortgage with just average credit could end up paying tens of thousands of dollars because of inflated interest. Whether you are considering buying a home or not, challenged credit cost you money on everyday purchases. Here are some other examples of how bad or even average credit can negatively affect you. You will be amazed at how much money you lose everyday due to challenged credit. Set up a free consultation with one of our personal credit concierge specialist and see how we can start saving you money today!
These spreadsheets will help demonstrate what bad credit can cost you. Don't let banks take your money, keep it in your own pocket by planning your loans ahead of time, and using good credit to get you the best rates.
CREDIT AS A TOOL
Think of credit as opportunity. Opportunity to live your life to the fullest and have access to the money you need to be comfortable and successful. No business has ever gotten off the ground without some access to good credit or startup capital. Even today almost every homeowner will borrow money with a mortgage to buy their homes, and most will get an auto loan to buy their car. Credit shouldn’t be treated as an anchor, holding you down, but as a ladder that can get you to where you want to be.
WHAT CREDIT REPAIR COSTS
Executive Membership $99/mth
Includes: Credit Repair & debt settlement
Benefits include:
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Unlimited Deletions
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Debt negotiation
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Access to your Client Portal which includes:
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24/7 access to your client portal.
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24/7 instant message directly to your credit specialist
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24/7 Real Time updates about your case. Always stay informed of what items were disputed, when they were disputed , and when you will receive your results.
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Financial planning calculator
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Monthly expense calculator
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Educational tools and information
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Credit report & scores from all three credit bureaus
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Access to our Royal Treatment program
HOW TO AVOID SCAMS
There are many laws that prohibit how credit repair companies can operate in order to keep people’s credit safe, including how they can charge you for their services, and how they contest items from credit bureaus. Credit repair companies are limited on what they can and cannot guarantee.
We at Credit Concierge Service take honest, results-driven credit repair very seriously.
Credit Repair Organizations Act sets rules that credit repair companies cannot charge advanced payment for work that has not yet been completed. We won’t charge you anything until we can prove to you that your credit bureaus and collection agencies have been contacted and we’re actively working on repairing your credit.
Credit repair companies cannot guarantee a specific result or specific timeline for services rendered. We can guarantee that we will put years of credit repair experience and personalized effort to repair your credit.
You see the ads in newspapers, on TV, and online. You hear them on the radio. You get fliers in the mail, email messages, and maybe even calls offering credit repair services. They all make the same claims:
“Credit problems? No problem!”
“We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!” key word is forever!
“We can erase your bad credit — 100% guaranteed.” (no one can guarantee a 100% results."
“Create a new credit identity — legally.” (Creating a new identity such as CPN is illegal ,we do not do credit repair on CPN'S or add seasoned trade lines to CPN'S, they will be flagged and merged in the system so they no longer can be used!"
Do yourself a favor and save some money, too. Don’t believe these claims, they’re very likely signs of a scam. Indeed, attorneys at the Federal Trade Commission, the nation’s consumer protection agency, say they’ve never seen a legitimate credit repair operation making those claims.
FAQ
Q: How do you repair bad credit?
A: Credit Concierge Services starts by doing an in depth credit analysis and flagging items on credit reports that can be contested. We dispute each item by claiming that they are either inaccurate, untimely, misleading, incomplete, biased, unverifiable, or incorrectly filed and then have them removed from your credit report. For particularly problematic credit bureaus and collection agencies we cite Fair Credit Reporting Act and consumer protection statutes to force creditors to remove items. These statutes include the Federal Fair Credit Billing Act which gives you the right to request extensive information regarding billing and your personal account history, the Truth in Lending Act which stipulates rules for establishing credit accounts, and the Fair Debt Collection Practices Act which defines your rights on accounts that have passed into collection status. During this process we give you access to a client portal with a 24/7 credit monitoring and automatic updates to see daily activity on how Credit Concierge Services is improving your credit
Q: How long does it take to repair credit?
A: We can’t guarantee how long it will take to repair your credit completely, as each individual person’s credit history is different. We can show you our record of proven history and happy clients who has seen marked improvement in their credit. We can guarantee that once you start our process we begin immediately, and many clients have seen outstanding progress in the first 60 days. On most cases we begin seeing 25% of negative items being deleted from their credit history within the first 2 months. Our process is always sped up with good communication with our clients, and access to updated credit reports when we request them.
Q: Is Credit Repair legal?
A: Yes! The Fair Credit Reporting Act gives consumers the right to dispute any inaccurate information or errors that are reporting on your credit report. By law, the credit bureaus and the creditors must investigate any dispute that is made.The (FCRA) demands that the credit bureaus as well as the creditors report a 100% accurate information. Recent studies show that almost 80% of credit reports contain inaccurate information and/or errors. Out of those 25% contain such serious errors that the consumer have been denied credit. Most people do not even know that these errors are effecting there credit score and costing them thousands of dollars due to inflated interest rates.
Q: How long does it take to repair credit?
A: We can’t guarantee how long it will take to repair your credit completely, as each individual person’s credit history is different. We can show you our record of proven history and happy clients who has seen marked improvement in their credit. We can guarantee that once you start our process we begin immediately, and many clients have seen outstanding progress in the first 60 days. On most cases we begin seeing 25% of negative items being deleted from their credit history within the first 2 months. Our process is always sped up with good communication with our clients, and access to updated credit reports when we request them.
Q: Can deleted items reappear on my credit report?
A: Although it’s rare, a negative listing that has been removed may eventually be verified by the creditor and resubmitted to your credit report. The Fair Credit Reporting Act requires that the credit bureau inform you before they re-post a previously deleted item. The FCRA also makes it difficult to re-report deleted listings, making it very uncommon for listings to return once they’re deleted.
Q: Can I pay more for faster results?
A: Our services are among the absolute best in our industry, and while we can’t improve how fast credit bureaus report your credit, or how cooperative they’ll be, we can offer additional services to help increase your credit score quickly, and keep it healthy.
Q: Will paying my bills fix my credit?
A: Yes, but the manner that your debts are settled is important. An old bill will remain in your credit history as a delinquent payment, a charge off, or collection depending on how it was paid. We use strategies that help keep those negative listings off your credit when the debt is settled. Allow Credit Concierge Services to negotiate the debt before you call debt collection companies to get you the absolute best deal possible.
Q: Is your work guaranteed?
A: It’s extremely important that like any legal service we can no more guarantee that we will completely restore your credit than a lawyer can guarantee that you’ll win in court. Any credit repair service that does guarantee its work is not being honest. What we can guarantee is that we will do everything in our power to make a personalized plan specifically tailored to you to see your credit repaired in a deeply specific and aggressively pursued strategy so you see real results in a timely manner, and we guarantee that if you aren't satisfied with our work you can cancel anytime at no additional cost. We can though, guarantee that you will not be charged in advanced as per the law, until the work has been completed.
Q: Can I repair my own credit?
A: Yes. Just like any legal service you have the right to represent yourself instead, and can begin the long process yourself.
All of our clients decide to use us because of our unique VIP treatment that includes a wide range of services that go above and beyond credit repair. We treat you as an individual with a rich credit future, and we aim to make sure that all of our clients maintain healthy credit for the rest of their lives.
For those that do decide to pursue their own credit repair need to consider the years of experience between our staff of credit specialists and valuable time we can save you. In addition we offer you access to our trusted network of affiliates to help you get home mortgages, auto loans, and liquid capital to begin spending as well as our effective credit seminars and one on one classes.
Credit Concierge Services doesn't just take care of your credit past, we take care of your credit future.