At Credit Restore 911, we have a proven way to help repair and build each one of our Client’s credit file. We focus on raising our Client’s credit score which is calculated by Five Factors. Payment history (35%), Debt owed (30%), length of credit history (15%), new credit/inquires (10%), and mixture of credit (10%).
Free Credit Report Evaluation
First, we provide to our clients a free Credit Report Evaluation. Our company only charges you after the evaluation and start the work. We analyze your credit report to give a proper estimate so you are not charged for services that are not needed. We can then determine if you need any help in the areas below:
- Late Payments
- Collections
- Charge-Offs
- Bankruptcies
- Judgments
- Liens
- Inquiries
- Foreclosures
- Repossessions
- Identity Theft & Fraud
- Incorrect Information
- Building your credit
- Debt settlement
- Debt consolidation
- Student loan consolidation and/or forgiveness
- Applying for a mortgage or auto loan
- Refinancing a mortgage or auto loan
If you don’t have a copy of your credit report(s), we suggest the following:– Go to www.CreditCheckTotal.com and sign up for the 7-day trial for $1 or www.privacyguard.com and sign up for the 14-day trial for $1. Then email your username & password along with the last 4 of your SSN to info@creditrestore911.com once you have your credit report(s), call (800) 642-9967 to schedule a FREE 30-minute consultation with our sales department to go over your credit report.
We recommend that you have at least five (5) open & active accounts on your credit report to maximize your credit score. Our company will help and guide you with applying for the following:
- Authorized User (AU) Accounts
- Secured Credit Cards
- Credit Builder Accounts
- Auto Loans
- Department Store Charge Cards
- Merchandise Credit Lines
Initial Audit
The 2nd Step to is to enroll in our program with you credit specialist so that we can start you on your new road to financial health and higher credit scores of success. We will perform the following services below and more:
- Provide you with 24/7 Online Account Access
- Opt-Out Prescreen & Do No Call Registry
- Print & Mail 1st Round of Dispute Letters
As we file the disputes with the credit bureaus, creditors and collection agencies on your behalf, they will then mail you the dispute results, which you will need to forward to us immediately once you receive each round of documents.
We will analyze the dispute results, and if the inaccurate items are deleted or corrected, we will devise a new strategy and re-dispute the negative items again.
We are one of the only few companies that will even file disputes when necessary on your behalf such as; complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) to help expedite the disputes and with ensuring that the disputes are being investigated correctly.
Our credit repair program is between four to six (6) months long depending on each individual results. A lot of our clients see results in as little as 30 to 45 days, but see maximum results in six (6) months. The 2nd Plate can contribute to 30% to 35% of your credit score and our clients are seeing an average of 25% to 75% of inaccurate items being deleted once this step is complete.
FDCPA/FCRA Violations
The 3rd Step to the credit restoration process is to see if there are any violations of the Fair Debt Collection Practices Act (FDCPA) or the Fair Credit Reporting Act (FCRA) on your credit report or by collection agencies. We partnered with an attorney that will help you against any unfair or abusive practices by debt collectors. Here are some actions a collection agency is not allowed to do:
- Call Before 8:00 a.m or After 9:00 p.m.
- Use Abusive or Profane Language
- Contact Your Relatives or Neighbors
- Mention Damage To Your Credit Score
- Call You At Work If You Told Them Not To
- Avoid Validation on a Disputed Account
- Threaten or fear tactics
These accounts mainly include any open collection accounts and charge-off accounts that still have a balance. If any violations are found, you may be entitled up to $1,000. This step can also contribute to 30% of your credit score
Build and Establish
The 4th Step to good credit score is to start building and establishing credit. We recommend that you have at least five (5) open & active accounts (revolving and/or installment) credit lines on your credit report to maximize your credit score. Our company will help and guide you with applying for the following:
- Authorized User (AU) Accounts
- Secured Credit Cards
- Revolving Accounts
- Auto Loans
- Department Store Charge Cards
- Merchandise Credit Lines
This is the most important step in our program. You will not see your credit score increase unless you add positive accounts to your credit report if you currently don’t have credit.
This step alone will raise your credit score dramatically because adding positive credit lines to your credit report covers four (4) areas; payment history, length of credit history, new credit, and mixture of credit for a total of 70% of your credit score. Now do you see why this is the most important possible step?
Program Completion
Our 5th Step to completion of our program is to have a final consultation to ensure that we have done everything possible to remove as many inaccurate negative items as possible and prepare an exit strategy for you. Most importantly, we will refer you to the following people to with your needs beyond credit repair.
- Mortgage Brokers/Loan Officers
- Real Estate Businesses
- Accountants/Financial Planners
- Auto Dealerships
- Banks/Credit Unions
- Business Loans/Merchant Advances