The Cost

The cost will be determined once a credit report has been reviewed and the total debt is calculated, because no individual's credit file is the same due to the total debt a client's report entails. Once a price has been determined, one of our consultants will consult with you to explain in detail what is about to take place. Methods of payment. For your convenience we accept payments by credit cards, PayPal, money order or check from your checking or savings account. The payment method you choose will be used to pay your initial fee within the first fifteen days and for all subsequent monthly payments as they become due.

Dishonored payments.
Should a payment be returned dishonored by your bank or credit card company, we will redraft the payment and add a $35.00 over draft fee. If your payment has not been received after 14 days, your case will be suspended if not terminated until payment arrangements can be made. Should you wish to change a scheduled payment we require that you notify us at least three business days prior to payment.

OUR RESULT
 Periodically, we test our effectiveness by measuring the number of negative credit listings permanently deleted from the credit report. We find that we delete roughly 35,000 negative listings each year, or a little over 5,000 deletions each month.

DELETIONS IN PREVIOUS 36-48 MONTHS*

 Bankruptcies 300
 Items in Bankruptcy 19,288
 Late Payments 85,744
 Charge Offs 45,784
 Collection Accounts 19,218
 Judgments 703
 Liens 200
 Repossessions 35
 Foreclosures 189
 Total Documented Deletions: 174,061

 Any amount of bad credit is devastating to your chances for credit approval. In fact, most credit grantors never personally look at your credit, the computer decides whether you're approved or denied. The slightest amount of negative credit causes interest rates to escalate. Here are a few examples of the cost of bad credit.

 AUTOMOBILE FINANCING:

 If you are making payments on a car, you might be paying between $5,000 and $9,000 more for just having bad credit. The added interest shows up every month in higher payments. Take a look:
 $20,000 car paid over 5 years:
 Credit Rate Payment Cost of Bad credit
 Perfect 10% $424.94 $0.00
 Mildly Damaged 14% $465.37 $4,722.54
 Damaged 20% $529.88 $8,593.30

HOME MORTGAGE:

A typical home can cost between $50,000 and $130,000 more in interest if you are buying a home with bad credit.
 Here is the price you are paying:
 $100,000 home paid over 30 years:
 Credit Rate Payment Cost of Bad credit
 Perfect7% $655.30 $0.00
 Mildly Damaged9% $804.62 $50,155.24
 Damage12% $1,028.61 $130,791.63

 FOR THESE REASON, CAN YOU AFFORD NOT TO REPAIR YOUR CREDIT