CREDIT LITERACY PROGRAM
with Shay Z "Tha Credit Vixen"
CREDIT CONSULTATION
Day 1
To get started, you will need to book your consultation. We cannot properly assess your situation or make any recommendations without the vital step. Once complete, you may then sign up for services and we can move on to the next step.
DISPUTE LETTERS MAILED
Day 3-5
After careful consideration of your goals and identifying the inaccuracies on your credit report, we will begin writing and mailing dispute letters as soon as possible.
CREDIT REFRESHES
Day 35-45
The credit bureaus have 30-45 days to respond to our dispute letters. You may receive things in the mail from them. Be sure to update us through your client portal and schedule your monthly coaching call.
COACHING CALLS
Every 30-45 Days
We will meet every time your credit refreshes to assess your progress and the next round of attacks. This is an ongoing process in which patience is required.
GRADUATION
Month 3-6
You will graduate from our program once inaccurate information has been removed from your report and your score reaches the number that helps you best reach your goals. This timeline varies significantly depending on your personal profile, diligence to the program and if you take our suggestions along the way. You must be an active part of your own success for this program to work for you.
PRICE LIST
$75
Inquiry Only
Removal of all non account holding inquiries within 72 hours from all 3 bureaus .
$65
Pay per Delete
This is your description. Write a short overview including a description of your plan or service, important features and any other relevant info for a potential customer.
$250
Bankruptcy Only
This is your description. Write a short overview including a description of your plan or service, important features and any other relevant info for a potential customer.
IDENTITYIQ
Required Credit Monitoring
Credit Literacy, Document Preparation, & Administrative Processing.
You can cancel at anytime. In addition to your financial and credit literacy program each client will be required to maintain credit monitoring services. That’s the only way we are able to keep up with everything that’s being deleted, added, and updated…
make sense right.
Identity IQ is a third party company that the credit monitoring will be through. They offer a $1.00 7-day pull your reports to allow us to diagnose your profiles after the 7 days you will automatically be charged 27.99 per month by that company. Any client that cancels or downgrades their credit monitoring while in the program will be suspended from the program. You will be able to get your credit monitoring once you get access to your client portal.
FAQ
The Answers You Need
IS CREDIT REPAIR LEGAL?
Yes, credit repair 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.
ARE CREDIT REPAIR & EDUCATION WORTH MY TIME & MONEY?
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.
WHAT CAN I EXPECT WHEN I ENROLL IN CREDIT REPAIR & EDUCATION?
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.
WHAT IS YOUR 100% MONEY BACK GUARANTEE?
You are entitled to a 100% refund on all monthly payments if:
No negative items are deleted from your report within 90 days.
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).
HOW LONG WILL IT TAKE & WHY ARE YOUR RESULTS DIFFERENT?
Through our services, 93% of our clients see their credit score increase 10 points or more in the first 35 days. Over the course of 6 months, the average credit score increase is 80 points. We do not guarantee results in a certain timeframe because each credit file is different and requires different amounts of time to repair.
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.
WILL THE REMOVED ITEMS 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.
WHAT ITEMS CAN YOU HELP ME TO REMOVE OR IMPROVE?
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.