Credit Repair
Our Credit Repair service is in detail and requires joint continuous communications. First, we will ask for your recent copy of the credit reports from all three (3) credit bureaus. For reasons why all three credit reports are needed, please refer to Your Credit = Your Life, Fix it Now!!! . We can either obtain your "tri-merged" credit reports and Scores instantly at a cost of $45.00 ($50.00 for 2 people) as we will be charged for obtaining the reports or if you have recent reports issued directly by the three bureaus (which is FREE to you) , we will need to have a copy of each report. We only work with the reports printed by the credit bureaus or our system. We are very familiar with these report types and their legitimacy. We try to NOT use third party reports that are printed through websites or "in-file" credit reports which are not complete. Some of those reports may hold inconsistencies. We may accept RECENT reports obtained by credit guarantors (lenders) if their report is easily readable and does not create confusion. In this situation, you may fax us a copy of the report, we will review the report and in a matter of a few minutes inform you as to whether we can use that report. Our intention is not to cause you additional expenses. As a result, if we cannot easily understand a report, we will need to spend additional time to analyze and understand the report. As you are ware, time is money. Therefore, after our review if we feel that we can use the report, we will not require any others. We are not in the credit reporting business. The word "RECENT" (used above) means reports that are not more than three (3) weeks old. To better understand our reasoning as to why we require RECENT reports, please refer to Your Credit = Your Life, Fix it Now!!! . Before, we obtain your report, you need to print our Obtain Credit Report Authorization form (please see the printable form box at the top of the page). This form allows us to obtain your credit report . We will NOT obtain a copy of your credit report without this authorization. The form is simple and requires your name, address, Social Security number, date of birth, phone numbers, place of employment, address of employment, signature, witness and Notary. Notary may not be required under special circumstances; however, we will require a copy of a valid and legal identification card such as State or Federal ID or a state issued Driver License. We will NOT accept IDs not issued by state or federal agencies within the Country in which you are residing . This is only for your/consumer protection. Since we avoid fraud and report fraudulent activities to the government officials within jurisdiction, we must be assured that you are the party whose names appears on our Agreement Forms. Download our Power of Attorney and Fee and Payment Agreement form to use this service. (Please see the printable form box at the top of the page) Fees and Service AgreementAfter receiving and reviewing your credit reports, we will contact you and ask about your goals and objectives. Our fees will be based upon your objective and our recommendations. We do NOT offer several levels of service as we believe individuals' credit reports are different; therefore, levels of service may not apply to credit reports. When we discuss your report, we will provide you with suggestions that would be our best level of service for your objective. If you are satisfied with our proposal, then we will enter into an agreement using the forms. Our agreement will be in accordance with the Laws of the State of Florida as we perform our services in Florida. We don't want you to sign an agreement unless, we communicate by phone and all your questions/concerns in regards to the agreement are clearly answered . When signing such contract, you will have 3 days to cancel (as the law requires). We require a written cancellation for our records . If you already have plans to purchase a real-estate property or a vehicle, we ask if you have already been in contact with a lender. If you would like to receive our services, we will require communicating with the lender's representative to make certain that we perform the best service in the most cost efficient method for you. As stated above, until we review your credit report and discuss your objectives in details, we will not be able to suggest any dollar amount. We will charge an initial set up fee of $99.00 (after reviewing your credit report) which will be applied towards the services at the back end of our work. Remember: Quality is not cheap but can be affordable.
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