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Credit Rehabilitation Take action and create endless opportunities.
Create your own ceilingWe go over your credit report with you to find negative items that are inaccurate, help you understand the process of credit repair, and prepare a plan of action with you to improve your credit.
You don’t have to face the credit bureaus alone! We dispute negative, inaccurate info on your credit report to get it corrected or removed. We believe you deserve the highest credit scores possible
Make your debt work in your favor! Using our professional knowledge and experience, we help you manage your current debts responsibly and “crack the code” of building good credit.
Learning the essentials of how credit works is vital to financial independence. We help take the mystery out of credit with our educational materials and professional insight!
Our credit repair services dispute inaccurate and unverifiable information on your credit. Any accounts that you believe may be inaccurate are investigated using consumer protection laws. We use these laws to ensure the bureaus and creditors are reporting the items 100% accurately. If the accounts are not verified or accurate we leverage the laws to get the items deleted from the credit report.
After your initial audit has been completed, we create custom dispute letters to deliver to the credit bureaus to start the investigation process. This usually takes up to 3 to 5 days from the date you enroll.
Once your disputes have been delivered, the credit bureaus have 30 to 45 days to respond. Once you receive the results, we log your progress and review the accounts and responses to make sure they are accurate and verifiable.
The next step after the first round of disputes is escalate the disputes with any accounts that have not been verified or corrected. At this point we dispute with the credit bureaus and your creditors to escalate the process. These rounds of disputes may need to be repeated with more leverage and escalation with each round.
If the documentation is accurate and verifiable we will accept the account of dispute , and it may remain on your credit for up to 7 to 10 years. If an account still reports inaccurately but cannot provide proof that it is accurate we can help you take actions against the violations whether it is with an attorney or filing complaints with the CFPB.
You are less than 30 days away from changing your credit.
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Get personalized in-depth advice on debt negotiations and consolidation
Consolidate your student loan, manage payments and save money with student loan consolidation
Lower interest rate/monthly payments. Interest rates do drop. Your credit score can improve. That combination makes you an attractive borrower and should result in lower monthly payments.
Less hassle. The average borrower has seven loans and three loan servicer companies when they graduate. That’s a lot of responsibility to keep up with. Consolidation means one check to one lender, once-a-month.
Consolidating student loans through a Direct Consolidation Loan might be helpful for borrowers who have a number of federal student loans with different loan servicers. Even though federal student loans are all eligible for the same repayment plans, the government contracts with several different student loan servicers.
This means that even if you hold federal loans exclusively, you could be making payments to more than one servicer. Consolidating your student loans can help streamline your repayment, so you only have to stay on top of a single monthly bill.
Federal loans consolidated through a Direct Consolidation Loan remain federal loans. But instead of having multiple federal loans, you will now have one brand new federal loan with one interest rate, which is the average of your old federal loans combined.
This could be particularly helpful for borrowers who are pursuing federal loan forgiveness or who are enrolled in one of the more flexible federal student loan repayment plans, like one of the income-driven repayment plans
You are less than 30 days away from changing your credit.
Take the first step
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