What we do
Credit repair: Removal of trade lines, negative or otherwise, with the purpose of increasing FICO scores and/or lowering ratios. The trade lines we remove able to remove from a report include credit cards, any type of loans (including student loans and repos), mortgages, collections, inquiries, bankruptcies, and liens.
Credit building: Addition of revolving lines to your client's report with the purpose of increasing FICO scores. The characteristics of the trade lines vary in account age and limit.
How we work
We work by referral only and the dynamic of our business relationship with our partners varies. From brokers to big-institution loan officers and agents, we adapt in the way we communicate with you and your clients. Our priority is for your client's scores to improve as fast as possible so they can get their home and you can close your deal and, for this same reason, We are very flexible with the terms of our fees.
How much we charge and how long it takes
Time: It varies. It won't take the same time to fix a report with only one charge-off credit card for $150 than one with thirteen negative, open trade lines with an average debt of $30,000, but for the purpose of giving you an idea, it takes me on average 30-120 days to completely fix a credit profile.
Fees: It varies as well. Most of our partners let us handle that directly with their clients.