Are you terrified to check your credit report?
Does opening your mail fill you with dread?
What would it feel like if you're still in this uncomfortable spot next year? Five years from now? Seven years from now?
Never getting out from under the credit card debt?
Never being able to move from where you're at, or being able refinancing your crushing mortgage?
Maybe You've Thought About Credit Repair Before,
or Even Signed Up With Someone, BUT
The companies you looked at just felt sketchy, and you felt like you had to take a shower after closing your browser
Maybe you signed up with one of them and they billed you for months on end, but you never saw your score improve
If You're Ready to Take The First Step to
Get Your Credit Repaired,
Have We Met?
About ten years ago, I found myself in between contracts at Microsoft and I broke up with my boyfriend at the same time. I wound up with a few dings on my credit score and hired one of the biggest credit repair law firms in the country to help me out.
I waited. And paid. And waited. And paid some more. You get the idea.
Nothing happened to my credit score.
But I asked around, and a mortgage broker knew a guy....and that guy bumped my score from 660 to 720 in four months. I started referring friends and family to that guy, and over the years it has morphed into this.
Credit Repair Wizard. Librocubicularist. Loves to drive with the windows down and the heat blasting.
My official bio and the why behind Wealth Generation Collective is here.
The more detailed story of how I lost my family land, lost myself, got into credit repair and built my life back up is on The Daily Worth.
Imagine If You Felt Secure and Confident In Your Credit Score and Felt In Control of Your Financial Life
How much money could you save on your mortgage if you could refinance at the lowest rate?
What would it feel like to be getting points on your credit card to use for vacations and trips, but be using them so that you're in control of them, instead of them controlling you?
What We Can Do For Your Score
First things first, anyone who tells you they can get your score from 500 to 800 in six months is full of it.
How do I know this? Because I look at hundreds of credit reports every month and I know that if you’re at 500, you have several negatives or derogatory accounts on your file, and you don’t have enough positive pay history to counter it. We can get a lot of the negatives removed, but only you can add positive pay history to your file. People with scores over 800 have a specific mix of types of credit and they have a specific amount that they use their credit.
I am writing an article for the Daily Worth about this that is out in December, so hang tight. I’ll let you know when it’s published.
We strategically challenge all negative and derogatory remarks and accounts on your file.
If your credit score is currently between 400-600, we should be able to get you to 640-680. If you don’t have a credit card, you will have to get one and use it wisely to get your score into the mid to high 600’s, and two to three more to get your score over 700. One credit card, when you don’t have any, will make your score jump 60-100 points if used correctly.
If your score is in the mid to high 600’s, you probably have some late payments and maybe a few collection items. You most likely have a lot of accounts with positive pay history but you’re close or maxed out on your credit cards. For this, we can deal with the late payments and collections, but you’re going to have to pay those credit card balances down. You will probably jump 20-60 points getting the negative remarks removed, but paying those balances down is what will get you over 700.
A Personalalized Recomendations To Get Your Score the Highest (I'll do my part. You do yours.)
**This includes any work except foreclosure removal.**
What People Are Saying About Us
With Cassie’s help, I increased my credit score from 620 to over 800 in only a handful of months. Talk about miracle work! SO so so grateful for her support – I couldn’t have done it without her!
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How Do We Do It?
I’m glad you asked. You are protected under the Fair Debt Collections Practices Act and the Fair Debt Reporting Act.
If a company wants to say something negative about you, they have to prove it. Otherwise, its gossip and it’s illegal.
We strategically challenge every negative thing on your report. If someone is going to say it, they have to prove it. Many times, they can’t. We ask very specific questions, and if they can’t answer, they have to be removed. For example, most things in collections have been bought for pennies on the dollar and the collection company doesn’t have the necessary information to legally collect on the debt. If you missed my post on John Oliver and debt buyers, be sure to check it out here for a look into this unsavory world.
Don’t even get me started on how hard it is to correct errors that should be easy to correct. It took me two tries with TransUnion to get my current address reporting, and I know exactly what they require.
If you’ve tried to dispute something online through the credit bureaus system and it came back in favor of the creditor, it’s because the credit bureaus are the ones asking their own questions to check the validity of something. It’s like leaving Dillinger to guard the safe, as my Dad used to say. They also use a scanning system to deal with their incoming snail mail that automatically assigns each letter into a predesignated category, and unless you know what to say to get this to work in your favor or to trigger an actual human to look at it, your results are usually pretty limited.
The bottom line is, all three of the credit bureaus are private companies and to some extent, they do what they want. If you don’t how their rules, it’s nearly impossible to win the game.
We will be using the same letters that we’ve used to remove the late payments, judgements, collection accounts, negative accounts with exes, and the aftermaths from hard times for over 1,000 clients this year alone.
What you will be helping me test is how all the tech pieces play together. There’s the email system that uses another system to talk to the back end system and the website and the merchant account….you get it. It’s a lot of moving pieces. So far, with my handful of people, everything has worked fine.
I don’t do subscription model pricing for credit repair where you pay me a monthly fee for the rest of your life. I think that, quite frankly, a shady way to do business. Whether you pay full price or get on this tester special, I’ll never ask you for more money to finish your credit repair unless your circumstances wildly change while we work together (like you suddenly get 5 more collections or declare bankruptcy).
Still Not Sure? Let's Hop On the Phone.