Take Action on Your Credit
Together we can build a team to challenge credit report errors and optimize scores.
OUR MISSION
Our Mission is to help our clients attain freedom from financial problems and provide the best affordable credit solutions possible.
OUR VISION
Our Vision is to build a Credit Repair company on integrity and also strive to give 100% to each client we serve.
OUR GOAL
Our goal is to provide professional credit service and help our customers leave the past behind them having confidence in their credit and power.
WHY PEOPLE CHOOSE US?
It’s important to choose the right Credit Repairer
Engaging in our services gives you peace of mind in all
things. It will also gives you the best possible outcome.
Stop the doubt and try us today and we assure you will
never taking that step of reaching out to us.
Leave your Credit Repair
to the Experts
Get results in less than 1 month, an online
account to watch us work, and the only
repair services that gives you:
- Access to all three credit reports and credit scores.
- An unbeatable satisfaction guarantee.
- 24/7 access online. Watch us in every step we take!
Track your Scores!
Credit Score
There are many factors impacting your score.
Based on your credit report data, this is a depiction of your credit worthiness. There are several factors taken into account that help determine your credit score. The factors making the largest impact are listed below. Remember that these factors vary in how strongly they impact your credit score.
Your credit score is created using a mathematical formula that measures data from your credit report. Credit scores evaluate your payment behavior, debt levels and credit history. Factors like income, race and gender are not measured in the scoring process. Credit scoring systems are used by lenders, insurers, landlords, employers and utility companies to evaluate your credit behavior. Having a high credit score will help you receive the best rates on new credit and loans.
There are several factors taken into account that help determine your credit score. The factors making the largest impact are listed above. Remember that these factors vary in how strongly they impact your credit score. For example, if you have a very high credit score, the negative factors in your analysis are likely to have a small impact on your credit. For very low credit scores, the opposite is true in that negative factors have a very large impact on your credit.
*The Credit Score, Auto Score, Insurance Score and Hiring Risk Index offered on this web site are for educational purposes only. None of our Scores/Indexes/Analysis is to be used to determine or grant credit in any manner. In some cases, credit report data does not contain enough information to generate a credit score. In such cases, we reserve the right to use our proprietary credit scoring technology to give you a credit score estimate. No direct or implied guarantees of the accuracy are given to any of our scores or indexes.
Auto Score
This is your Auto Industry Optional Score used by those looking to determine your auto loan. It is not very well known, but over 90% of all Auto lenders require this Auto Industry Optional Score to be used instead of your standard Credit Score.
The Auto Industry Optional Score is a specialized score that is used by the Auto Industry to look more closely at issues, on your credit report, that are related to your risk of possibly defaulting on your new auto loan. It is very different from your regular Credit Score.
HINT: When shopping for your new car, please know that most Auto dealers will ask you if you know your “credit score” when they are about to start your financing process. However, they will not tell you they are making their lending and financing decision based upon the much different scoring scale with their use of the Auto Industry Optional Score.
Generally, the Auto Industry Optional Score is not used on an on-going basis by your creditor to determine financial stress while your loan is still open. If it is the practice of your Auto lender to look at your credit while you have an open auto loan, they would most likely look at your regular credit score for the possibility of your sudden credit stress and risk of your defaulting on the auto loan.
*The Credit Score, Auto Score, Insurance Score and Hiring Risk Index offered on this web site are for educational purposes only. None of our Scores/Indexes/Analysis is to be used to determine or grant credit in any manner. In some cases, credit report data does not contain enough information to generate a credit score. In such cases, we reserve the right to use our proprietary credit scoring technology to give you a credit score estimate. No direct or implied guarantees of the accuracy are given to any of our scores or indexes.
Insurance Score
This is your Insurance Industry Risk Score. It is a highly specialized score used by the Insurance industry to better understand your financial stress and find any prior defaults on insurance. This score is also used to determine if one has a propensity to make a fraudulent insurance claim due to current financial stresses.
This score is unique to the Insurance industry and might be used when you apply for any type of insurance. Generally, if this Insurance Industry Risk Score is not in your favor, it results in either higher premiums on your insurance or denial as permitted by applicable law.
This Insurance Industry Risk Score is generally not used to check on your credit status between your premium periods. For example, your Insurance company might only check this score once a year upon your renewal, or only at your initial application for insurance.
Any time you apply for Life insurance exceeding $150,000 the Insurer will check your credit and possibly use this Insurance Industry Risk Score to evaluate your overall risk and possibly deny you coverage as a result if your score is bad.
Some State laws do not permit insurance companies to use your credit to evaluate you.
*The Credit Score, Auto Score, Insurance Score and Hiring Risk Index offered on this web site are for educational purposes only. None of our Scores/Indexes/Analysis is to be used to determine or grant credit in any manner. In some cases, credit report data does not contain enough information to generate a credit score. In such cases, we reserve the right to use our proprietary credit scoring technology to give you a credit score estimate. No direct or implied guarantees of the accuracy are given to any of our scores or indexes.
Hiring Risk Index
This index considers many factors used by Employers in their hiring decision, if they choose to look at your credit, as part of their hiring or employee promoting needs.
This is becoming more common. Currently, over 45% of Employers in the United States use your credit, in part, to determine the validity of your resume, your stability, verify your education (via a history of student loans) and your overall credit worth.
For most employment positions paying over $75,000 annually, prospective employers will check your credit.
It is very unusual for an Employer to check your credit during your employment, unless you are up for a promotion or you are a high-security employee. In any case, an Employer must get your prior permission in order to check your credit.
* The Credit Score, Auto Score, Insurance Score and Hiring Risk Index offered on this web site are for educational purposes only. None of our Scores/Indexes/Analysis is to be used to determine or grant credit in any manner. In some cases, credit report data does not contain enough information to generate a credit score. In such cases, we reserve the right to use our proprietary credit scoring technology to give you a credit score estimate. No direct or implied guarantees of the accuracy are given to any of our scores or indexes.
Choose a Subscription Plan that Suits you
24hr Mailout Credit
30-60 days turnaround
Immediate Results in 7-14 days
Replacement
60-90 days turnaround
See Results in 30 days
Subscription Plan Features:
- Bureau Challenges
- Creditor Interventions
- Inquiry Assist
- Score Analysis
- Report Watch
- Cease and Desist letters
- FICO Score tracker
- Identity Protection
- Personal Finance tools
Compare Within Yourself
3-BUREAU CREDIT REPORTS & SCORES
Many credit repair companies start by requesting a copy of your credit report from each of the three major consumer credit bureaus (all three) — Equifax, Experian and TransUnion – before they can start. You either pay for them, or they charge you for them.
ir companies start by requesting a copy of your credit report from each of the three major consumer credit bureaus (all three) — Equifax, Experian and TransUnion – before they can start. You either pay for them, or they charge you for them.
ASSETS4LEGACY
$1.00
No Impact
OTHERS
$14.99+
Impact on Score
CREDIT CONSULTATION
Professional Credit Analyst who will review your reports with you and help identify the negative items hurting the overall health of your reports.
ASSETS4LEGACY
Free
OTHERS
$30.00+
ASSURANCE OR MONEY-BACK GUARANTEE POLICY
As a credit repair company, we have an obligation to ensure that we can help you, prior to starting work – hence why it’s important to have the right to request for a refund if that’s the only other option.
ASSETS4LEGACY
Included
OTHERS
Not Available
REPUTATION
A stellar reputation in our industry means lower costs and a clear mission, vision and philosophy. Customers are the best local advocates to help you get a more realistic picture of which credit repair companies stand out from the crowd.
ASSETS4LEGACY
Stellar
OTHERS
Adverse
HONEST PRICING, NO SURPRISES
Often companies will charge “initial audit” or “discovery” fees. Sometimes, even “cancellation” fees.
ASSETS4LEGACY
Pay As You Go
OTHERS
Upfront
Leave your Credit Repair
to the Experts
- Collections/Charge Offs Disputes
- Public Records
- Late payments
- Evictions -Repossessions
- Student Loans
- Challenges to all 3 Credit Bureaus/ Collection Agencies
What else is included:
- Help with Credit Building Products
- Help with Debt Settlements
- Credit Education
- Initial Credit Report Audit
- 24/7 Client Portal Access
- Credit Report Review every 35-45 days
- Access to Private FB Group
- Aggressive disputing tactics
- Contract Can Be Cancelled Anytime.
Our Clients review
Carlisio Keys
I was a little skeptical about credit repair companies after reading mixed articles about it. However, my experience so far with Credit Repair now has been positive. Felix is so calm, she took his time to offer me deep honest advice without over-promising.
