Complete credit repair

Collections are one of the factors that lower your score the most. We attack each account differently:

• — Dispute for inaccuracy (incorrect information)
• — Verification of current debt owner (chain of title)
• — Pay-for-delete negotiation with creditors
• — Validation under the FDCPA (Fair Debt Collection Practices Act)

79% of credit reports have at least one error according to Consumer Reports. We find them:

• — Payments reported as late that weren't
• — Duplicate accounts (same balance, different trade line)
• — Accounts that aren't yours (mixed credit file)
• — Incorrect or outdated balances
• — Unauthorized inquiries

A charge-off typically lowers your score between 50 and 150 points. If not documented correctly, it can be removed:

• — Method of dispute (account validation)
• — Re-aging investigation (date change)
• — Identification of OOSL violations (Out of Statute of Limitations)
• — Settlement negotiation with trade line removal

If you have a thin file (little history) or no credit, we guide you to build it strategically:

• — Selection of the right secured cards (no traps)
• — Credit builder loans with banks in your area
• — Authorized user on family accounts (carefully)
• — Alternative payment reporting (rent, utilities)
• — Self / Experian Boost setup

Your utilization ratio (the percentage of your limit you use) is the second most important factor of your score:

• — Analysis of each card and its individual utilization
• — Payment strategy at statement date (not due date)
• — Credit line increase request without hard pull
• — Strategic balance transfer to spread debt

The score you need for a mortgage is different from what Credit Karma shows. We get you to the exact profile your program requires:

• — FHA: 580 with 3.5% down (640 recommended)
• — Conventional: 620 (740 for best rates)
• — VA Loan: 580 to 620 (no down payment)
• — USDA: 640 (rural and designated areas)
• — Direct connection with a trusted lender when finished