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Having negative issues with credit is not only frustrating and confusing, but can be very EXPENSIVE as anyone snared by difficult times can attest! And while we may experience negative things that damage our credit score, credit reports themselves often are inaccurate, outdated and misleading which can hurt our score even more. We believe we must confront all the issues that negatively impacts our credit in order to fully restore our "whole credit" identity. This includes confronting how we manage our cash flow, banking and credit accounts, but also includes confronting the credit reporting agencies, as well as the creditors and/or collection agencies that provide them the information they report, and hold them accountable under the Fair Credit Reporting and Fair Debt Collections Practices Acts. This time-tested and proven approach has well served the thousands of satisfied clients we are proud to have helped since 2009!
Our service includes your private credit restoration strategy assessment as well as processing electronic and/or written requests for validation to collection agencies and/or original creditors. Our consumer friendly Credit and Money Management Platform allows for the direct contact to your creditors and/or collection agencies at the click of a button! We provide the documents needed to address any credit reporting agency directly. We provide follow up assessment reviews which occur over time as we work to confront each issue head on! We work until the work is finished!
We have been helping folks just like you restore their credit and increase their buying power since 2009 and employ only the proven methods that work every single time they've been tried. We have been trained on recent laws, statutes, and credit reporting practices. We also know what items on your report affect your score the most. When you hire us, our knowledge becomes your knowledge! We've earned and enjoy an A+ rating from the Better Business Bureau and are active in our community working to make things better for us all.
Call us today for detailed answers to any questions you have and start your journey to "A" Paper credit!
And remember...Things only get better from here!
Please contact us if you cannot find an answer to your question.
Initial results occur within 6 to 8 weeks and will continue as long as continued focus on addressing your specific credit issues occurs over time. And while credit is a "lifetime" journey, the majority of clients graduate the program in 6 to 8 months, while others can take less time or longer. 35% of your credit score is payment history and another 15% is the "average age of accounts", time makes up 50% of your score!
Scores have increased 50, 100 and even up to 200 points and you can expect your score to increase substantially also; but no one can 100% predict how the score will react to the actions taken to restore your credit. Having negative information removed from the factoring of the score will only work to improve the score. Other actions, like building credit history and paying down debt over time will also raise your score more and more.
First, we'll evaluate your current financial stability by considering monthly cash flow and current savings and work to strengthen those for your benefit. We will also review your credit history and take priority actions that will improve your credit score the fastest via debt validation and/or debt settlement and provide or prepare credit report dispute documents to dispute any incorrect findings in your credit report.
Your initial interview is free.
Our services bill on a month by month basis at either Premium level or Basic level. There is no long term contract or commitment to remain enrolled. Below is a detailed explanation of our current fees and services.
The first fee is $99 which includes:
1. Enrollment into our DCS Premium Credit Platform for 30 days.
2. A private, full credit report review and consultation strategy session.
3. Direct Actions to any creditors and/or collection agencies as needed.
4. Template letters of dispute to the credit reporting agencies, if needed.
4. Follow up consultation in 45 days.
After the initial fee, the total number of issues within your credit will determine if you will need ongoing Premium or Basic service.
(Up to 5 Actions - Basic - $39.99 mo.) / 6 or more Actions - Premium - $74.99 mo.)
If Premium is needed initially, it will only be needed until the issues requiring Premium are resolved and then the service level can be changed to Basic. Both levels of service include ongoing Actions as needed and ongoing checkpoint reviews, usually 35 to 45 days apart and/or upon request, as well as "Service on Speed Dial" from your agent for when you need answers or reminders along the way. Again, no long term contract and you may change your plan or cancel your plan at anytime.
Your monthly payment also includes templates that you can use to prepare dispute letters to the major credit reporting agencies on your own. Or, if you would prefer us to prepare your letters for you, we can provide that service for a one-time fee of $179.00.
Please call or text if you have further questions regarding our services and fees.
YES! Please be sure your are following the instructions provided by your agent during your consultation. If you haven't had your consultation, please contact us for more information before signing up for a particular service. Thank you!