HOW IT WORKS
We Get To Work
STEP 1: INITIAL CREDIT REPORT AND CONSULTATION
After signing up, our On-boarding Email will be sent to you. You will create your own log in credentials to our portal. The portal allows you 24/7 access to the progress and updates on your file. Please upload your Valid Identification (Driver’s License), a Utility Bill as Proof of Residence, your Social Security Card, and digitally sign the Agreement. We will then contact you for our first initial credit education consultation or you can schedule with us on the link below.
During this call we will have you set up your credit monitoring service With Our Affiliate, Identity IQ. This service will charge you $1 for a 7-day credit monitoring trial. They will provide you with all 3 Major Credit Reports (Equifax, Experian & Trans Union).
From there you will need to email us your login credentials and last 4-digits of SSN to firstname.lastname@example.org where we will put your information into our reporting system and go over your credit analysis with you.
STEP 2: WE GO TO WORK
Once the Onboarding Process is completed, we will start the credit repair process, drawing upon our vast arsenal of credit report repair strategies to challenge questionable items directly with the credit bureaus. Depending on the number of questionable items on your credit reports, this step will be repeated for each subsequent cycle. While we are disputing your items, you should receive response letters, along with updated reports from the credit bureaus. It is important to forward each updated report/letter to us so we can track which questionable items were deleted and determine next steps.
STEP 3: WE GET THE RESULTS
The credit bureaus by law have 30 days to investigate your dispute. After that, they must inform you of their results and send you a copy of your updated report. It usually takes 60 days from the day we send a dispute to the day you receive an updated report. When you receive a response from a bureau, make a copy of the updated report for your records then send the original to us. With this information we will update your account and send you a new email with your progress. These progress reports will be delivered to your e-mail every other week. This 4 step cycle sometimes needs to be executed multiple times until the questionable items have been removed and as each new cycle begins, hopefully there will be less questionable items on your credit reports.
$199.00 – One-Time Set Up Fee
$79.99 – Monthly Service Fee
Discounts available for Couples and Military Personnel
We at Credit Restoration Mentors will use our 50+ years of credit and collection experience to assist you with improving your credit scores. Once you have signed up, we start working for you IMMEDIATELY!
WHY CREDIT REPAIR MATTERS
Credit can affect everything from home loans, auto loans, rental agreements, insurance, social status, and even employment. Bad credit means higher rates on just about everything related to borrowing money. Making a plan to try to improve you credit will help save you money.
There are five factors in determining your credit score:
- Payment History
- Amounts Owed
- Length of Credit History
- Taking on More Debt
- Types of Credit in Use
YOUR RIGHTS AS A CONSUMER
Did you know that the FTC has put in regulations to protect consumers?
We promise to improve your credit score. If we don’t, we will give you another 3 months of service for free.
POSSIBLE TO REMOVE
- Late Payments
- Charge Offs
- Tax Liens
- Identity Theft
- Closed Accounts
- Negative Settlements