CREDIT REPAIR
At A1 Credit Expert, one of our objectives is to help our clients reach their financial objectives and raise their credit scores using our time-tested methods, so they can live the lives of their dreams. We respect the profile of every customer because we know that things do happen! We are not merely a one-time credit repair company! We teach financial literacy to our clients and help them adopt a successful financial mindset. To assist you in achieving your financial objectives, we explain down the advantages and disadvantages of credit for you in plain, understandable words. We keep looking for information if we don’t already know the answer to your inquiry.
It doesn’t matter if you’re trying to buy a car, house, start a business, get a job, or get insurance, your credit will be checked!
It’s our mission to ensure that your credit matches your goals, so you can build wealth and live the life that you deserve!
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Don't allow bad credit to ruin your financial freedom
Credit restoration is crucial since it supports your livelihood and enables you to maintain a better standard of living. Banks view people with bad credit as hazardous and do not trust them with loans. I can inform you on your credit, assist you through repairing it, and hold your hand.
Long and favorable credit histories, low credit use, favorable trade lines, on-time payments, and paying more than the minimum amount due each month are all positive factors. One of the most crucial aspects of credit rating is your payment history. Long-term on-time payment history across a variety of accounts can help you establish good credit, however missed payments or late payments can damage your credit score and end up costing you a lot of money over time.
Credit Repair in 3 Steps
We analyze and find the best solution for your credit issues!
1. Clean up your past We work with credit bureaus and your creditors to challenge the negative report items that affect your credit score.
2. Track your presen Easy access to your account 24/7 for live status updates on improvements on your credit reports and scores.
3. Chang your future We'll maximize your score so you can achieve your goals and learn how to maintain great credit long after our work is done.
Frequently Asked Questions
What Can You Help Me Remove?
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.
Will Item That Are Remove Come Back?
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.
Why Do Result Vary?
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 80% of the negative items from a credit report.
How Long Will It Take To Raise My Score?
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 102.7 points. See full statistical breakdown
How Much Will It Cost Me?
We have different packages that are tailored to the needs of all clients. For a break down of costs, please see our pricing section.
Is Credit Training And Education Worth It?
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..
Is Credit Training Legal?
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.