HOW IT WORKS
how it works
FREE CREDIT REPORT EVALUATION
Your credit consultant will look at your TransUnion, Experian and Equifax credit reports and go over them with you line by line. If you don’t have your current reports we can pull them instantly for you.
CUSTOMIZED CREDIT REPAIR PLAN
Once you decide to proceed with our program, your navigator will establish a path to get your inaccurate items removed from your credit reports in accordance with the FCRA, HIPAA, FCBA and other consumer laws.
VIEW YOUR PROGRESS ONLINE
You can monitor our efforts and success on our website. You will be provided a client login and pin code. You will also have access to our credit education programs and webinars.
Accelerated Credit Solutions still believes that credit repair is a 1-on-1 personal process. Every one of our clients will get a customized plan tailored just for you to achieve the best results. At the same time, we try our best to make the credit repair process as easy and hassle-free for you as possible. We have designed our program to as seamless as possible, so we will be working in the background to fix your credit while your live your life.
Credit Analysis and Recommendation
The 1st Step in our program is our free credit report audit. We are well known for our PPD or Pay Per Deletion program; this means that you only pay for what’s been fixed in your credit report. We need to analyze your credit report to give a proper estimate on cost. We can then conclude if you need any help in the areas below:
- Building your credit
- Debt settlement
- Debt consolidation
- Student loan consolidation
- Applying for a mortgage or auto loan
- Refinancing a mortgage or auto loan
Guided Credit Consultation
The 2nd Step in our program is to have a meeting with your credit consultant. With your “Credit Analysis Report” in front of you we will go over your situation with you line by line, and account by account, so you will have a great understanding about your solution. We will implement the following services below and more:
- Provided with 24/7 Online Account Access
- Prepare 1st Round of Dispute Letters
- Added to Credit Repair Lab Facebook Group
- Enroll in Credit Monitoring
- Schedule Welcome Call
- Obtain Identification Documents
Once you give us the “OK,” we will immediately file the disputes with the credit bureaus, creditors and collection agencies on your behalf, then they will mail you the dispute results by U.S. mail; from there, you can simply scan and email the mail to us (or you can simply mail it to us as a package once per week.)
We will require that you maintain a credit monitoring service, so we can analyze the dispute results in Real-Time, and see if the inaccurate items are deleted or corrected. Our credit experts will conduct a thorough analysis of the report, and email you the results for each round while you sit back and relax.
Next, we will find additional violations to challenge and accelerate towards achieving higher creditworthiness. ACS will, then, shift gears and dispute the negative items again! Let our tried and true systems get you the results you want. If not, there is no cost to you.
Build & Re-establish Credit
The 3rd Step in our program is to start building and establishing credit immediately. From our 10+ years of experience, we’ve found that creditors don’t want to see a blank credit file, so in order to have a good score, it is imperative to start building your primary account back up as soon as possible. If you don’t not have, at least one, open a revolving tradeline (like a credit card) that is older than 24 months you may be losing/missing 30% of your score; this may be why your scores are low also. Don’t worry, we will show you how to apply for the following:
- Authorized User (AU) Accounts
- Secured Credit Cards
- Credit Builder Accounts
- Auto Loans
- Department Store Charge Cards
- Merchandise Credit Lines
This is a very important step in our program. You may not see your credit score increase and sometimes you may not see a score at all, unless you add positive accounts to your credit report.
Without open and revolving accounts the credit bureaus may not have any information to calculate your scores with. ACS suggests getting a few more credit cards; but only 1 every 3 months. Having multiple credit cards from different banks will diversify your risk. We suggest that you have at least five open & active accounts on your credit report to maximize your credit score.
Please do this right away even if you do not sign up with our services; we are more than happy to help you with it.
FDCPA / FCRA Violations
The 4th Step is to see if there are any violations of the Fair Debt Collection Practices Act (FDCPA) or the Fair Credit Reporting Act (FCRA) on your credit report by collection agencies. We may be able to refer you to attorneys that can help you against any unfair or abusive practices by debt collectors. Here are some actions a collection agency is not allowed to do:
- Call Before 8:00 a.m or After 9:00 p.m.
- Use Abusive or Profane Language
- Contact Your Relatives or Neighbors
- Mention Damage To Your Credit Score
- Call You At Work If You Told Them Not To
- Avoid Validation on a Disputed Account
In some instances, they can sue the collection agencies for $1000 per violation on your behalf. This can also impact to 30% of your credit score in a positive way. These accounts mainly include any open collection accounts and charge-off accounts that still have a balance.
Moving Forward & Buying Assistance
The 5th Step in our program is for you to move forward with what you have been wanting to do with your credit. From our many years of experience, you are here to fix your credit in order to accomplish a life goal; we get it!
We are happy to answer any further questions you may have for many years to come because you will be part of our network. Because we are in the credit industry, we catch the newest, lowest rate and greatest loan programs available daily. We are happy to refer you to our partners to help you take advantage of your new credit. We started in the real estate, mortgage, and business funding industry before credit consulting. So, please feel free to ask us for assistance.
- Mortgage Brokers/Loan Officers
- Real Estate Businesses
- Accountants/Financial Planners
- Auto Dealerships
- Banks/Credit Unions
- Business Loans/Merchant Advances