More than
30%
less than competitors
We refuse to over charge for something that is as dire as building credit worthiness.
Plans as low as
$30
to start
Choose a plan that works for you. Our investigation will meet your budget and advocate for the results you want.
Results as soon as
30
days from first action
Our letters are based on rules and regulations that Credit Reporting Agencies must abide by.
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Keep up with your Credit Growth
Online Based Services
No matter where you are in the world, we can advocate for you!
Mobile Access
Get instant access to your account on any mobile device.
Fraudulent Errors
Fraudsters work around the clock to take advantage of consumers, let us help.
Family & Friends Programs
Take advantage of discounts by referring people you know to our services.
Personal Profile
Register your personal profile online to begin using our services.
Easy Account Setup
Registered clients can securely edit their account settings in just a few clicks.
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Advantages and Details
Liane Fiano,
Consumer Financial Protection Bureau
Detailed Statistics
Our online portal provides detailed statistics regarding your credit status.
Stay Informed
We will be in communication by email or SMS throughout the entire correction and rebuilding process.
Financial Goals
Position yourself for financing at the rate that you want; at the the time that you want.
Choose a Credit Growth Plan today!
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Steps to Getting Started
Online Registration
Everything starts with online registration. Let us know that you’re interested and we will review your notification.
Filling Out a Form
After the basic registration, you will need to fill out a form to help us determine your Credit Growth goals.
Signing an Agreement
Use our online portal to review and sign our agreement. This will ensure that you will receive the services you expect.
Monitor the Mail
Letters will be received by mail in response to our efforts. Just let us know as soon as you receive mail.
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How to Maintain Credit Worthiness
Many companies, including the three major Credit Reporting Agencies, use Credit Scores to determine your credit worthiness. This is generally done through a three-digit score ranging from 300 to 850. The scores are calculated based on private algorithms that take data from your Credit Report, evaluates it, and either adds or takes away from your Credit Score. Below are some of the factors that have the most impact on your Credit Score.
1.) Payment History - Long Term Impact
You want to make a payment. You want to pay the amount that is due. You want to pay on time. If all of those are true for you, then you are on your way to a higher credit score already! Payments have the most significant impact on your credit score. Not making payments leads to charge-off and collection accounts. One mistake could take up to seven years to correct itself.
2.) Utilization - Short Term Impact
In general, it is safest to keep your balances lower than 30% when you have revolving credit lines (credit cards). The lower, the better! Paying a credit card balance off in full every month is a great strategy, but if your goal is to build positive credit history, ensure that you continuously use the card for small purchases (e.g., for subscription services) to keep a positive payment history.
3.) Age of Credit History - Long Term Impact
The older your average tradeline age is the better. Being able to show positive credit habits over a longer period of time gives lenders a much higher inclination to take on the risk of granting a loan. At the beginning of your Credit Growth, there’s not much you can do here. However, keeping accounts open and in positive status for as long as possible will help in this area.
4.) Types of Credit - Long Term Impact
With all other things considered, being able to fill your credit profile with multiple types of credit will have a positive impact on your score. When lenders are considering your credit profile, they will be pleased to know that you have a history of different types of credit and have been successful with each. Look for reasonable opportunities to expand past credit cards and auto financing. Responsibly explore personal loans, store credit, and mortgages as well.
5.) Hard Inquiries - Mid-Term Impact
Each time a lender requests a thorough review of your credit report, there will be a hard inquiry that is recorded by the Credit Reporting Agencies. This signals to other lenders that that you are looking for financing. Lenders may become uncomfortable if they see too many inquiries in a relatively short period of time. This could indicate that you are opening new accounts all at once which could be dangerous for a lender who questions your ability to keep a good standing. After two years, these items should fall off of your credit report.
6.) Demographic Information - No Direct Impact
Many consumers have inaccurate addresses on their account, especially those that have been victims of identity theft. It is often times easier to correct credit reporting errors if demographic information on your credit report is corrected first. Lenders will sometimes use these invalid addresses as evidence that they are reporting a tradeline correctly. If an invalid address is removed, this helps us with disputing your tradeline that is not correct.