Our Credit Consulting Program is designed to assist you in protecting, rebuilding and maintaining a strong credit status. You shouldn’t wait until your Credit is a problem before paying attention to what it says on your Credit Report.

Statistics show that over 75% of all people have something on their Credit Report that is inaccurate and can be costing them money. Unfortunately, most men do not pay enough attention to their Credit Report unless they are turned down for something they apply for.

Most Americans shop because they WANT to and because they NEED to.

At any point during or right after divorce, did you:

• Purchase a car?
  Most people need a car!
• Purchase furniture?
  Most people need furniture!
• Purchase a home or rent an apartment?
  We ALL need a place to live!
• Go on vacation?
  Most people go on vacation!
• Change or get a job?
  Everyone needs a job or needs to get a new job at one point or another!
• Go Clothes Shopping?
  Most people LOVE to shop ‘til they drop because it makes them feel good!

Now can you see why your credit is your most valuable asset?

Credit Guard – Protection

Our staff has over 10 years of experience in protecting your rights when it comes to credit and credit reporting. It is important to know your rights and how to use them. Our expertise in the many credit related laws will help you protect your financial future.

Most people are under the impression that a Credit Score around 680 is GREAT score. That cannot be further from the truth. In fact, most Creditors offer the best programs and lowest interest rates for those with Credit Scores above 740.

We take pride in helping you to protect your existing credit and show you how to build your own positive credit moving forward.

Credit EDU

Our goal is to educate you on credit and how it works. Your understanding of credit and how it works is extremely important because of the many ways credit affects your financial future. We all know how important it is to have good credit. Understanding credit is the first step towards building or rebuilding credit.

In this section, you will find an enormous amount of priceless information such as:

• What is credit?
• How does credit work?
• Credit Report basics
• Credit Scores – Why should I care?
• What’s in my Credit Report?
• How are Credit Scores calculated?
• Who are the Credit Bureaus?
• Who is looking at my Credit Report?
• My Consumer Credit File Rights Under State and Federal Law
• Fair Accurate Credit Transactions Act (FACTA)
• Much much more!!!

Dispute Center

While some may lead you to believe that disputing inaccurate information on your credit report is an easy task, it is not. Disputing the inaccurate information can be simple but getting the results you are looking for is another story. Most consumers truly believe that if there is something inaccurate in your credit report, you can dispute the information and the Credit Bureaus must remove it within 30 days. While that sounds good, it’s a rare occurrence.

Even though the information is inaccurate, that doesn’t always mean it will change on your report. There is a correct way and an incorrect way to dispute questionable information on your credit report. For the most part, this becomes a game of persistence.

There are many ways to dispute information but which way is best suited for your situation? This is where our expertise is needed the most. The dispute only begins with the Credit Bureaus. The Credit Bureaus have to then contact the Creditor and ask for proof that the information they provided the Credit Bureaus is accurate. Creditors do not generate revenue by having its employees search for information regarding your account. In fact, my own personal dispute with a creditor came back “verified” on an account listed on my credit report that was opened in 1971. Why does the year matter so much? I was born into this world in 1973! How is it possible that a creditor can verify a negative account listed on my credit since before I was born? The bottom line is that the system is flawed and consumers are paying for it BIG TIME!

We believe that the Credit Bureaus are inundated with disputes from the many small credit repair companies that will challenge every negative item on your report. While it is your right to ask for verification, we are committed to concentrating on the information on your credit report that you feel is questionable, inaccurate and/or incomplete. Our results are astounding!!!