![]() |
|
||||||||||||
![]() Having excellent credit is one the best things you can do for yourself in life! When negative & inaccurate items appear on your report, it can hinder you from receiving the credit you'll need when trying to get approved for a credit card, purchase a car, home, or obtain any other type of personal or business loan. This can mean high interest rates resulting in thousands of extra dollars out of your pocket, as well as the worst thing we all dread... CREDIT DENIAL!
Below is how our 4 step process works: We will analyze your entire credit file free of charge to see if you are a candidate for our services. This includes all 3 major credit reporting bureaus: (Equifax, Experian & Trans Union). Our consultant will answer any questions you may have in regards to your file, pinpoint factors keeping your credit scores down, and inform you on any areas of your credit that need to be worked on to obtain a higher credit score. We will then come up with a step by step plan of action for your credit file (Disputes, Settlement Negotiation, etc). Once you decide to move forward with CREDIT XPERTS, you will need to fill out the credit assistance application packet and submit it with all required documentation to start the process.
Once we receive all required documentation from you, we will create your file, add your account information to our database, and then start inputting all credit information that you believe is innervate/erroneous. This includes credit accounts, personal information, employment as well as inquiries. Once this is done, we go ahead and start the process. First part of the process is to create the first round of letters that are customized to the creditors, collection agencies and credit bureaus on your behalf. This includes disputes to all 3 credit bureaus on information you ask us to dispute, settlement negotiation letters for outstanding balances on collection, charged off and other various accounts, debt validation letters prepared if requested, good faith letters to creditors as well as any other documentation you need us to prepare on your behalf. After this is done we will send you confirmation that your file has been worked, submitted and then payment is processed. We send you a a account list file of all accounts being worked on so you can keep track of what has been updated/removed to date. Then sit back, relax, and in about 30 days or so you will start receiving responses back. Any paperwork you received needs to be forwarded to us via fax, mail or email. Once we receive, we will update your file, provide you with the results of previous work done, then rework your file of any accounts remaining that are in question by you.
After we rework your file we constantly monitor your reports for any changes during the process. This may include any new derogatory items being reported, balances increasing which can cause a score decrease, new inquiries and any other issues that we feel would need your attention. If requested by you we add the item in question the account and then work on the item. We also notates your scores if provided by you and notate your account of all score changes through out the process. We continue working on your file until we have fully investigated items in question on your file or until you are happy with the results and no longer need to use our services. Its up to you!
Last & final step is the credit rebuilding process. We guide you on how to obtain new credit. This is done by recommending companies that can offer you credit. We work closely with many mortgage companies nationwide. When the time comes for you to finally move forward with the loan process, we can refer you to a honest and reliable broker who can help you find the best product out there and of course save you money. At this point your scores should have increased significantly to the point where instead of being turned down, creditors will finally say YES! You will be able to obtain new credit and finally save money which means LOWER INTEREST RATES! Please see our Guarantee for further details. |
|||||||||||||
| 9 | Home Link Partners Affiliates Terms Privacy Guarantee Faq's Feedback | ||||||||||||
| design by: Technique Web | Copyright © 2009 Credit Xperts. All Rights Reserved. | ||||||||||||