The Right Approach

We have taken credit re-establishment to a whole new level. Our awesome personal service and meticulous attention to detail are an essential part of our work ethic. But the real results come from an absolutely professional approach to our job...

Our success is the result of the mastery of many elements, including: 1) The laws that govern all participants in the credit reporting process, 2) Remedies and rehabilitation opportunities offered by creditors, 3) The FICO scoring model, and 4) Effective methods of building new credit.

1 The Laws

The credit bureaus must abide by federal laws. Creditors and collectors have rules for furnishing information to the credit bureaus. Creditors and collectors also operate under separate laws that regulate their interaction with consumers. And there are state laws that may override federal laws. Knowing the applicable law allows us to quickly identify and eliminate information from your credit report that is not in compliance.

2 Lender Remedies

Most lenders offer a variety of cures or rehabilitation opportunities for credit issues. We know all of these cures and will provide appropriate guidance specific to your situation. There are often several ways to get the results that you need. The right strategy can mean the difference between success and failure.

3 Knowing the Score

Your FICO scores will determine the interest rate that you pay on every dollar that you borrow. Everything that we do is guided by our knowledge of the FICO model. Occasionally the decisions we make seem counter-intuitive but result in the best possible credit score outcome.

4 Re-Building

You want your credit to meet the requirements set by lenders. If appropriate, we will guide you through the process of opening one or two secured credit cards to make sure that you have all of the tools that you need for success. We also provide credit score counseling where needed to make sure that you know how to manage your debt to optimize your credit scores. Nothing is left out.

Putting it Together

There is nothing as important to your financial life as your credit. If you are looking for professional help in cleaning and improving your credit you should hire the best. We have been doing this since 2001 and are fanatics about doing it right. Don’t settle for less.