We Help Our Client’s Credit Repair To Increase Credit Scores And Improve Credit.
FREE CREDIT ANALYSIS
Let Us Fight With You On Your Behalf With Our Knowledge
and Expertise With Fast Credit Repair.
Our affordable speedy credit repair services was established to help consumers prepare for acquisition of credit lines, auto loans, credit cards, home loans and business capital at the best possible rates. Today more than ever, consumers need to be proactive with their credit. Unfortunately, most consumers aren’t aware how costly bad credit is and how it destroys their wealth accumulation. The Credit Experts educates consumers and informs them that “THERE IS A WAR AGAINST THEIR CREDIT SCORES TO MAKE THEM PAY MORE”!
Bronze Credit Services Program
You Can’t Afford Not To Have Good Credit Because It’s Costing You and Your Family Financial Wealth Accumulation!
You will be charged an initial $99.00 Onboarding Account Setup Fee. And after we send out your first round of disputes, you will be charged $79.00, which usually is approximately 5 business days from your order date. This $79.00 charge is a monthly recurring charge every 30 days.
Silver Credit Services Program
When The Major Credit Bureaus See New Credit Tradelines Reporting – Your Credit Scores Will Increase Faster!
You will be charged an initial $99.00 Onboarding Account Setup Fee. And after we send out your first round of disputes, you will be charged $99.00, which usually is approximately 5 business days from your order date. This $99.00 charge is a monthly recurring charge every 30 days.
Gold Credit Inner Circle Program
This is an Annual Membership for the consumers who want to get an inside look at consumers who have 800 plus credit scores who can qualify for just about anything and get the best possible terms and many at ZERO percent interest on auto’s and credit card loans for a period of time.
Closed Until June 2020
This is for the Do It Yourself Education Seekers who want to get access to hundreds of thousands in capital for their businesses and the optimal personal credit scores.
The Credit Expert offers fast credit repair services for the repair my credit clients. Learn how to repair credit fast with our how to repair my credit fast system that is proven over time.
Most consumers don’t know where to turn when your credit and credit scores has gone for a free fall or taken a dive, either from financial missteps or just from neglect, is very important. We believe that our company The Credit Experts is the best credit repair and or credit education company in the market right now. You will have an account manager and credit expert assigned to your case after onboarding.
Our founder at the age of 25 back in 1992, credit was in a mess when he graduated from the American University in Washington, DC with a degree in Finance and Real Estate Urban Development. I was shocked to find my credit a mess. As it turns out, neglect does not make a great credit score.
He immediately began to work on his own credit and bought his first home less than one year out of college. In no time, he was able to identify many mistakes on his credit reports — all three! — and begin to work out a plan. Almost immediately, it was communicating directly with my creditors, and the reporting agencies, to correct the issues.
During this time there wasn’t in existence a FICO scoring model in 1992.
While not the solution to every credit problem, credit repair is a great way to acquire assets and grow your credit report and improve your credit score.
Let us use our skills and knowledge to help you with our fast credit repair program and services to get you from point A to point B. You must know where you to get where you want to go. A Credit Expert with decades of experience helping clients achieve their financial goals of acquiring car loans, real estate, credit cards and business loans will assist you throughout the credit restoration process. If you’re asking the question of “How to repair my credit”? Then we are your best source to help you navigate with resources that are proven.
Get Your Free Credit Consultation
Our credit repair services offers personalized dispute options to fit your exact credit repair needs with advance software.
One of our experienced case analyst and/or case advisor will work personally with you throughout the process.
One of our credit experts will prepare and submit custom dispute correspondence on your behalf.
You get access to your personal case status & updated information 24 hours a day throughout the process.
Our fast credit repair services utilizes highly advance technology, which allows us to efficiently manage your credit repair file while using our expertise to develop an action plan for your time constraints and goals. More importantly our founder has been in the banking industry for almost 30 years and has loaned out over 300 Million Dollars based on credit through his organization and has viewed thousands of credit reports for loan approval. We help raise your consumer credit report scores by working with you, your creditors and the credit bureaus to remove negative items from your credit and adding positives. This alone helps us to stand out from the crowd when it comes to credit repair services from any company in the marketplace to help consumers restore their credit with fast credit repair. Keep in mind that the credit bureaus usually take 30 days to respond to our disputes and it can usually take from 30 – 45 days to receive a letter in the mailbox. We’re very clear and up front with our credit repair services, so when we say fast credit repair, we mean that we work fast to analyze, dispute and send correspondence to the three major credit bureaus which are Equifax, Experian and TransUnion. We also send correspondence to collection agencies, third party creditors and or furnishers.
The Credit Experts is an organization where people work together to help achieve success for our clients. We’ve seen people get declined and pay too much in interest for items bought on credit. It is estimated that over 80 Million people in America have bad credit or a bad credit score. We decided to do something about it and created a company that consumers can count on and trust.
Our business model is unlike any other in the marketplace. We offer credit repair for consumers and business owners. We also build credit with our private inner circle program to help our clients receive the best offers in the marketplace.
Payment History 35%
Debt Capacity of Available Credit 30%
Age of Credit 15%
Mix of Credit 10%
Your credit score is determined by an algorithm developed by the Fair Issue Corporation (hence its other name of FICO score). Three corporations, called “credit bureaus”, specialize in collecting and reporting on financial histories. Those three companies are Equifax, Experian and TransUnion. While, the exact formula used to calculate your credit score is a tightly guarded industry secret, these companies provide general guidelines about financial behavior that can affect your credit score. Payment HistoryThirty-five percent of your credit score is made up by your payment history. This includes late payments, collections, and even bankruptcies and tax liens. Each type of account will stay on your credit report a specified period of time and each type of derogatory will hurt your score differently. The Credit Experts works to remove accounts that are not 100% accurate OR not 100% verifiable. Our removal rate is around 70%. Debt RatioYour debt ratio is the amount of revolving credit (i.e. credit cards) you owe in relation to the amount of credit you have available. For instance, if your credit limit is $10,000 and your current balance is $2,000, your debt ratio would be 20%. While, ideally, you would have your debt ratio at 0%, we usually recommend you are at least at 30% or lower. Length of CreditYour length of credit is how long you have had credit. At face value, this seems like something you couldn’t really do anything to fix. However, there are ways you can hurt yourself here. If you close out your older cards, even if they have higher interest rates, it will hurt your score. The credit scoring model has no memory or credit cards you close: if you close out that fifteen year old card you will get no credit for it! Types of CreditTypes of credit include revolving, installment and mortgage loans. By having different kinds of credit open, you show creditors that you are responsible and able to handle different kinds of responsibilities. InquiriesInquiries are marked on your credit report when you ask for new credit (i.e. when you apply for a home loan). Inquiries made by yourself or for unsolicited offers do not count against your score, but are shown on your report. It is important to note than when searching for a home you are allowed unlimited inquiries over a 45 day period since it is assumed you are rate shopping.
A credit score predicts how likely you are to pay back a loan on time. Companies use a mathematical formula—called a scoring model—to create your credit score from the information in your credit report. It is important to know that you do not have just “one” credit score and there are many credit scores available to you as well as to lenders. Any credit score depends on the data used to calculate it, and may differ depending on the scoring model, the source of your credit history, the type of loan product, and even the day when it was calculated. The majority of people understand the basics, like how failing to make a payment will cause your score to go down, but there are a number of complexities that trip up the average consumer. One of the main benefits of being a client with The Credit Experts, is that our credit repair services strongly believes in educating our clients. If you pay your debts on time, don’t carry too much debt on any one card, don’t close older accounts unless absolutely necessary and only apply for new credit when you have to you will generally be in good shape. However, it is important to keep yourself informed so you can maintain a credit score that accurately reflects your consumer status. Lenders use your credit report in order to judge your reliability as a loan candidate. Your credit report indicates your ability to handle debt responsibly and will help banks decide if you are a desirable loan customer. A high credit score can help you lock in low APR rates or secure special deals on loans. A bad credit report may prevent you from securing loans and can damage your ability to buy a car, open a credit card or rent a home. A history of inability to manage your credit successfully will make lenders uncomfortable about trusting you with additional funds in the future. You are entitled to a free copy of your credit report once a year, an offer you should take advantage of. When you do receive your credit report, check to ensure the figures are accurate and act quickly to correct any mistakes. This may include any clerical errors, identity theft issues or incorrect information. If your credit score is low, you should begin working on a financial rehabilitation plan, either on your own or with a certified debt counselor, to begin correcting your bad debt habits.
“The Secret of Getting the Best Results for Your Credit Repair And Getting Approved for Credit Is Joining The Credit Experts Inner Circle.”
We help make your credit scores higher to improve your credit terms and approvals.
We’ve seen thousands of credit reports before there was a scoring model and thousands afterwards. We have client’s who went from Foreclosures to 800 PLUS Credit Scores. We have the BLUEPRINT to INCREASE Your Credit Scores!
From banking to insurance to wealth management to employment to purchasing a car, a house or just a credit card is all impacted by your credit score.
A collection can result from a debt that has not been paid on time. … The collection agency will then attempt to recover the money owed. While different creditors and lenders have different policies, many credit card accounts are sent to a collection agency after 180 days of non-payment.
Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person’s personal data in some way that involves fraud or deception, typically for economic gain. Identity theft is one of fastest growing crimes.
A duplicate credit entry means that your credit account information has been recorded more than once. Therefore, it appears to be two separate accounts. This could hurt you because it may appear that you have more debt than you do. Lenders turned down often base on this metric.
If there’s a mistake or outdated information on your credit, we can dispute your credit report with the credit bureau showing the wrong info. It’s smart to get your free annual credit reports from each of the three credit reporting agencies every year.
A common example of junk debt is credit card debt that a private company purchases from banks, or another original creditor. Original creditors or junk-debt buyers can sue the borrower for the money. … quicklist: title: Don’t ignore a lawsuit.
A late payment is an amount of money a borrower sends to a lender or service provider that arrives after the date that the payment was due or after a grace period for the payment has passed. More importantly if more than 30 days past due.
Too many “hard inquiries” will hurt your credit scores, since lenders view that as an early sign of risk. It can look like you’re overextending yourself and taking on more financing than you’ll ultimately be able to afford.
Foreclosure happens when you default on your mortgage and your lender takes ownership of the home. A foreclosure stays on your credit reports for seven years from the date of the first missed payment, bringing down your credit score.
Tax liens used to appear on your credit reports maintained by the three national credit bureaus (Experian, TransUnion and Equifax). Even if you paid the lien, it stayed on your reports for up to seven years, while unpaid liens remained 10 years.
Judgment. Currently, civil judgments do not appear on your credit reports at all. Yet this change was due to a settlement the credit bureaus made (more on that below). The FCRA still allows judgments to remain on credit reports for seven years from the filing date.
CCCS stands for Consumer Credit Counseling Services. Consumer credit counseling service agencies are Internal Revenue Service 501(c)93) nonprofit organizations that will help you find a workable solution to financial problems. This can view negatively by creditors.
Divorce doesn’t dissolve the joint accounts you opened with your ex nor does it remove them from your credit reports. … In fact, a high credit utilization rate on a joint credit card could hurt the credit scores of both you and your ex, even if all payments are kept on time.
A mixed credit file occurs whenever a CRA inadvertently commingles the credit histories of two different individuals into a single report. The result is a credit report that contains information belonging to two different consumers, bundled together as if those two people were the same person.
The bankruptcy public record is deleted from the credit report either seven years or 10 years from the filing date of the bankruptcy, depending on the chapter you filed. Chapter 13 bankruptcy is deleted seven years from the filing date because it requires at least a partial repayment of the debts you owe.
If you don’t pay a collection account, it may wind up with a second — or third — collection agency, resulting in multiple negative items on your credit reports. Sometimes referred to as “double jeopardy,” two or three collection accounts for the same debt can affect your credit scores.
No credit, on the other hand, means you haven’t had any recent credit activity that the credit bureaus can use to generate a credit score. No one actually has a credit score of zero, even if they have a troubled history with credit. The FICO scoring model, for instance, ranges between 300 and 850.
Our client portal is a secure digital gateway to The Credit Experts Clients and our network and community, to access files, or other information in reference to their updates and credit repair status. Our Client portals are for our customers and can be accessed via a Web browser or mobile app 24/7/365.
Credit monitoring services are companies you can pay to keep an eye on your credit files. The services notify you when they see activity in your credit files, so you can determine if that activity is a result of action you took or possibly fraudulent. We offer a trial for $1.00 to all 3 credit scores.
Average Score Increase
100 points or more 15% of the Time Are Our Best Results
Average Score Increase
100 points or more 25% of the Time Are Our Best Results
Average Score Increases
60 points is the overall Average Score Increase Results
Results Are Higher Over Time
We’ve seen some increases over 150 Points with great Results
Our most frequently asked questions are listed below.
Yes, credit training is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
You are entitled to a 100% refund on all monthly payments if:
– You do not remove more than 25% of all the negatives worked on.
– You have had six months from the time you retain our services.
– You have at least four negatives on the credit report at the time of sign-up.
– You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
– You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
(Clients should receive updated credit reports every 15-45 days. It is the client’s responsibility to make us aware if updated reports have not been received).
Through our services, 93% of our clients see their credit score increase 10 points or more in the first 35 days. Over the full 180-day term of the contract, the average credit score increase is 80 points. See full statistical breakdown.
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
Find the most up to date information about credit, credit repair, credit cards, and more.
The Credit Experts is a full service credit repair company that uses expertise to help you improve your credit and credit scores.