Bad Credit is Expensive
What is a good
FICO Score?
One of the most well-known types of credit score are FICO Scores, created by the Fair Isaac Corporation. FICO Scores are used by many lenders, and often range from 300 to 850. Generally, a FICO Score above 670 is considered a good credit score on these models, and a score above 800 is usually perceived to be exceptional.
Why Having Great Credit Matters?
THE COST OF BAD CREDIT
Based on a $250,000 loan for 30 years
Credit Score
720 & above
700-719
675-699
620-674
560-619
500-559
Interest Rate
5.9%
6.3%
6.6%
7.6%
8.5%
9.4%
Payment (Monthly)
$1482.84
$1547.43
$1596.65
$1765.19
$1922.28
$2083.92
Interest Paid
$533,822
$557,074
$574,794
$634,468
$692,020
$750,211
Monthly Saved /30 Yrs
$216,389
$196,137
$175,417
$114,783
$62,020
HOW IT WORKS
Check
First, we analyze your credit reports and work with you to identify any questionable negative items hurting your score. We’ll build a custom game plan based on your unique situation.
Challenge
Next, we challenge the identified negatives with the bureaus and your creditors. If they can’t prove that the items are accurate, fair and substantiated, they are required by law to remove them.
Change
When a negative item is removed from your credit, we briefly celebrate (sometimes with cake). Then, we get back to work, tack- ling the other questionable items still on your reports.
What We Do
AFFILIATE PARTNERS
We Are a Customer-Focused, Results-Oriented Organization Committed to Developing Strong Relationships, Delivering Predictable Results and Teaching Innovative Credit and Credit Score Solutions. To find out more:
REPAIR YOUR PAST
We work with the credit bureaus and your creditors to challenge the unfair or inaccurate negative report items that affect your credit score. We’ll ensure your credit history is up-to-date, accurate, and reflects you honestly. This can all help to fix your credit.
MONITOR YOUR PRESENT
24/7 Credit Monitoring & Alerts powered by TransUnion keep you aware of the changes and updates on your report, and provide customized information and advice about how those reported items affect your score.
BUILD YOUR FUTURE
Our customized tools, educational approach, and proven technology guide you through the tasks and action items you need to take in order to maintain a healthy score and work toward the restoration of your credit.
FULL CREDIT SWEEP
Inquiries
Charge
offs
Collections
Late
payments
Bankruptcy
Car
repo
Student
loan accounts
Child
support accounts
FULL CREDIT SWEEP
$152
PER MONTH FOR 12 MONTHS
$300 initiation fee for the 1st month
We will monitor Your Credit Report On All Major Credit Bureaus.
We Will Remove All Negative Reports Including The Inquiries, No Matter Old Or New.
A Fantastic Way To Have Your Credit Checked And Updated All The Time
We Will Monitor And Remove Any New Unexpected Negative Report.
Renew after the 12 month is completed for only $99 per month
Take advantage of the expedited inquiry removal for an additional $350.00 only
Expedited Inquiry removal, removes inquiries les than 72 hours after sign up
INQUIRY REMOVAL ONLY
INQUIRY REMOVAL
WITHOUT FULL CREDT SWEEP
$750
ONE TIME PAY
This is perfect for people that do not need a full sweep and only have unwanted inquiries that like to remove.
This is the expedited inquiry removal, we will remove inquiries from Experian in about 4 business days after you sign up.