what i do
I provide professional credit restoration service for people who are looking to get approved for a mortgage, auto, personal, or business loan but can’t because of their credit. I have dedicated my life to helping people just like me who have struggled with their credit. I leverage the power of the law, years of experience and knowledge in order to permanently remove inaccurate, outdated, and unverifiable negative accounts, while at the same time helping to build positive credit history by establishing new credit with lenders that will approve them for credit even with low scores and negative pay history.I also help guide my clients in securing cash and credit through our professional network in order to save them time, money, and provide a hassle-free experience from beginning to end.
3 REASONS WE’RE THE #1 CHOICE FOR CREDIT REPAIR
My clients received over 36,000,000.00 (36 million) in cash and credit loans for homes, businesses and credit cards after completing my credit transformation program.
Over 137,000 negative accounts like charge offs, judgments, repossessions, student loans and other accounts successfully deleted.
Clients credit scores are up 129 points in just 57 days, on average.
5 STEPS TO HELP YOU GET THE THINGS YOU WANT AND NEED
STEP ONE | Schedule a 10 minute introductory consultation
We will need to determine if we’re a good fit for one another. You’ll need to complete the consultation form, answer a few important questions and book your appointment to talk about your situation.
STEP TWO | We’ll audit your credit report.
You’ll need to provide us with a recent copy of your credit report. If you don’t have a tri-merge credit report with scores, you can get a copy for as little as $1 by signing up for a 7 day trial with IdentityIQ, a recommended third party credit monitoring company. After obtaining your credit report. You’ll need to forward us a copy or the login credentials (username, password, and last 4 of social) so we can do a line by line audit. We’ll look for common errors like outdated information, incorrect loan amounts, and more. The mistakes can be used as leverage to legally remove negative accounts, even if you didn’t pay.
STEP THREE | We create a custom credit transformation plan.
After your credit report is reviewed we’ll create a custom plan to repair and build your credit. A strategy that’s specific to your needs and goals is composed so that you don’t waste time or money. If necessary the process may include opening new credit accounts and raising your credit limits on your current revolving accounts.
STEP FOUR | We start the credit repair and building process
As part of your credit transformation process, we’ll dispute negative accounts that are harming your credit. Over 79% of credit reports have errors, and we’ll leverage those mistakes to force the credit agencies to legally remove anything that’s inaccurate, unverifiable, or outdated. Within 3 days after you sign up, your disputes are prepared and sent out
STEP FIVE | We follow up and monitor the progress
Within 30–35 days you’ll get results from credit reporting agencies and creditors sent directly to you in the mail. Upon receipt of your results, you’ll upload the results to your online secured portal, so we can review and respond accordingly. You can conveniently monitor your progress online 24/7. We recommend that you expect between a 4–6 month minimum participation to experience the full effectiveness of the credit transformation process. Credit repair is not an overnight process, it takes time, patience and persistence.
FEATURES AND BENEFITS OF OUR PROGRAMS
I was born and raised in Newark, New Jersey. I am a husband and a father, and I'm also a Certified FICO Professional and Credit Improvement Strategist--but I didn't always know about the value of having good credit. In fact, I was probably a lot like you when I first started my journey toward better credit. If you are struggling with poor credit, you are definitely not alone. My family and I have been in your shoes. My family struggled because my wife and I had poor credit, and we had very few options to fix it. We were told by creditors and credit reporting agencies that we had few options to improve our credit. We didn’t talk about the importance of good credit at home or in my community—I really didn’t understand why my credit would affect me so much.
I have spent years educating myself and becoming one of the nation's leading authorities on credit and the laws that are used to legally repair credit. Over time, I realized that credit reporting agencies and creditors were often deliberately giving me bad information. I turned my life around by improving my credit on my own, but it took a lot of time and effort. We were eventually able to buy a new house, and we could finally afford to buy the things we needed as a family.
After all of my struggle, I realized that I wanted to help people like so they wouldn't have to go through the same challenges I faced. I look forward to helping you reach your financial goals!