Improve Credit

Our Basic Four Steps:

• Reviewing your credit

We will analyze your entire credit file. 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).

• Credit Aid

A consultant will create your file, add your account information to our database, and then start inputting all credit information that you believe is inaccurate/erroneous. 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. We go ahead and start the process.

Once that is done we send you 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, and then rework your file of any accounts remaining that are in question by you.

• Credit Watcher

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 to the account and then work on the item. We also notate 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

• Rebuilding your Credit

Last & final step! 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 Lenders 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 note that it can take as little as 30 days to 6 mths or more to see positive changes. Please be patient; working on your credit is a process and can not be done overnight. Here at Improve Credit.me it is important to be honest with out clients so we will not make any claims without seeing your credit first.