Restoring Credit. Rebuilding Lives.
Restoring Credit. Rebuilding Lives.
Call 409-840-9930 for your no charge interview. To begin your credit restoration, click below. Check us out at bbb.org.
About Us
Why Repair Your Credit?
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while we may experience negative things that damage our credit score, credit reports themselves often are inaccurate, outdated and misleading which can hurt our score even more.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 we use has well served the thousands of satisfied clients we are proud to have helped since 2009!
HOW DOES IT WORK?
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!
Why Us?
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! Things only get better from here!
409-840-9930
Frequently Asked Questions
Please contact us if you cannot find an answer to your question.
Initial results occur within 4 to 6 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, many of our clients graduate the program within 3 to 6 months, while others can take less time or longer. Earning great credit cannot be rushed! 35% of your credit score is payment history and another 15% is the average age of accounts. Therefore time makes up 50% of your score! That doesn't mean positive results won't begin in the first few weeks, it just means that long-lasting results are achieved over time.
Though individual results may vary, it is customary to see scores improve over 100 points! No one can 100% predict how your credit 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.
Like a stable chair, great credit has four legs.
1. Cash flow = Consistent and reliable income.
2. Cash management = Knowing the why and where your money goes.
3. Checking/Savings accounts = Required to build a solid foundation from which to build.
4. Credit Report = Ensuring that solid credit is being built over time by having the "right" credit accounts and that only accurate, timely and error free reporting is occurring with all three major credit reporting agencies.
First, we'll evaluate your current financial stability by considering monthly cash flow and current savings and work to strengthen those for your benefit. Our methods show you how to save money and build good credit at the exact same time! Further, we will review your credit history and take priority actions that will improve your credit score the most efficient and fastest way via debt validation demands, credit bureau dispute letters and/or debt settlement negotiations with verified debts..
Your initial interview is free of charge.
Our services bill on a month by month basis depending on your specific level of need. There is no long term contract or commitment to remain enrolled. Below is a detailed explanation of our current fees and services.
The fee initial one-time enrollment fee is $99 which includes:
1. Enrollment into our DCS - Unlimited Credit Platform for 30 days.
2. A private consultation strategy session and site training.
3. Direct Action Dispute letters to any creditors and/or collection agencies as needed.
4. Additional dispute letter preparation to the major credit reporting agencies, if needed.
4. Follow up consultations every 45 days or earlier, as needed.
Going forward, the total number of Actionable, negative issues within your credit will determine which plan best suits your specific situation and circumstances.
Build Plan - $74.99 monthly
*Needed only when the number of Actionable negative issues is greater than 5 at the time of enrollment. As the negative issues are resolved and are removed from your credit file, the plan can be reduced to the Protect Plan.
Protect Plan - $39.99 monthly
*Needed only when the number of Actionable negative issues is less than 6 at the time of enrollment. As the negative issues are resolved and are removed from your credit file, the plan can be reduced to the VIP Plan.
VIP Plan - $19.99 monthly
*When all Actionable negative issues have been resolved to the fullest extent possible, the plan can be reduced to the VIP Plan, where continued credit management and monitoring can be managed. Your credit lasts a lifetime, and Dependable Credit Solutions will be honored to be with you at each step on your life's credit journey.
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!
Contact Us
We know that untangling your credit can be both stressful and confusing. Send us a message today, and we can answer any questions and help get you started on a path to credit restoration.
Dependable Credit Solutions, LLC
111 North Main Street, Vidor, Texas 77662, United States
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