Understand Your Credit
- How to effectively protect your identity
- Key principals of good credit management
Don’t be kept in the dark
Don’t pay a full service credit repair company month after month. They do not share the proven strategies to manage your credit. They want you to have to keep coming to them to fix your credit and continue to have to pay them.
Learn how to effectively manage your credit
You will learn how to read your reports and manage your credit. You will learn proven strategies to proactively protect your identity and maximize your credit with all three credit bureaus.
You will have all of the resources necessary to formally dispute and legally remove fraudulent, erroneous and negative accounts from all three credit reporting agencies.
You can also correct and update your credit files.
Take advantage of our knowledge and experience
- A company with over 16 years experience in the credit industry
- A complete and thorough review of all three of your credit reports
- Works with all three bureaus: Equifax, Experian and TransUnion
There are many factors that effect your credit score. This is referred to as a scoring matrix.
You will learn how to effectively manage your credit in order to maximize your scores with all three bureaus.
Avoid the pitfalls of trying to do it on your own
When consumers don’t know the credit industry or how it works they are prone to make mistakes that actually damage their credit.
Common Identity Theft Related Mistakes
Placing a Credit Freeze with the Bureaus
Placing a freeze on your credit not only stops others from accessing your credit files but also stops you and is many times very difficult to lift especially if your need for credit is time sensitive.
Our Program offers an alternative
We recommend activation of proactive identity theft protection. It stops anyone else from opening accounts, but allows you access whenever you need credit. It is very user friendly.
Mistaking Monitoring for Protection
Buying simple monitoring is not good enough. It is NOT identity theft protection. You are simply notified after accounts have been opened. By then the damage is already done. And they do not provide the legal means to remove the damage from your records or relieve you of the financial liability from the accounts.
Simple monitoring is not good enough
Monitoring notifies you after fraudulent accounts have been opened. By then the damage is already done. The monitoring program the bureaus offer is only good for that bureau, not all three.
Our Program provides you with Proactive Protection
Applications submitted by the identity thieves are stopped before accounts are opened. When applications are submitted for credit the merchant or lender is required to vigorously verify the identity of the applicant. Your number will appear on the fraud alert and you will receive an alert call before any credit is extended.
They think their Bank or Credit Card Protects Them
When your bank or credit card says that you are protected from fraud they are saying that you will not be held responsible for fraudulent transactions on your accounts with their bank or credit card. They are not talking about stopping identity thieves from opening new accounts using your information. Credit card or Bank fraud is different from identity theft.
Our Program stops identity thieves from opening new accounts
An added layer of security will be placed on your credit files with all three bureaus which will stop anyone from opening new accounts without having to go through a thorough screening and without your authorization.
A simple 90 day fraud alert with the bureaus is not enough
Once your identity has been compromised, you will want to be protected for the rest of your life. In addition, what they fail to recognize is the importance of doing a complete and thorough review of their reports to identify any damage and to take the proper steps to remove that damage and relieve themselves of the potential financial liability.
Common Credit Mistakes
Paying off Collections
Many people believe that paying a collection clears their credit files. This is simply not true. Paying a collection actually negatively effects your score. It will continue to be reported as a Paid Collection.
Our program will give you the proper resolution
What we suggest is to formally dispute and remove the collection from your credit files. Then you can qualify for new credit at the best possible rates. Then use our program to settle the debt with the original creditor for pennies on the dollar. With our program the original creditor will agree to report the account as Paying or Pays as agreed. A positive on your files.
Filing for Bankruptcy
Bankruptcy should only be filed in the most severe circumstances. Many people are under the impression that it is the only way out and that it will clear their credit files. This is simply not true. In fact it will be reported on your credit files and negatively affect your ability to borrow for up to 10 years.
Our Program provides alternatives to Bankruptcy
Depending on your specific situation, Bankruptcy may be avoided. There are certain strategies which may allow you to remove the negative accounts from you credit reports, qualify for new loans and settle with your creditors for pennies on the dollar without having to file for bankruptcy.
Debt consolidation is very harmful to your credit score. It is shown as a third party paying your debts and is only one step above a bankruptcy on your credit reports. It also continues to hurt your credit score for 7 years after the final payment to the debt consolidation company.
Our Program provides alternatives to Debt Consolidation
By following the steps in our program you will learn that there are other options you can take that will not harm your credit score. Many times paying only pennies on the dollar for your outstanding debt.