Improve Credit Consulting Firm- Free Credit Report Advice Highly Recommended

Aug. 18, 2011 - PRLog -- Improve Credit Consulting Firm is here to help you become better educated about your legal rights when your credit report is effecting your score. Most people don't take the time to look over their credit report or understand what is accurate. It can be confusing but it doesn't have to be. Most people are referred to Improve Credit Consulting Firm located in Charlotte, Nc from all over the country. We work one on one with businesses , consumers, celebrities, you name it we have helped them. Our approach is different and that's what set us apart from so-called credit advisors.

Here's what we do
Consultation

Pulling a “soft pull” credit report with all three bureaus. Explaining the factors that affect your credit score. Reviewing each account, and explaining your rights as a consumer in order to improve your credit and increase your score. Preparing a plan of action for your credit restoration process. Within this process we will thoroughly explain your legal rights as a consumer.

2. The Dispute Program

We will review the accuracy of your debts. Anything that is incomplete, unverifiable, and outdated will be disputed with the bureaus for validation. The most common mistakes are as follows: re-aging accounts, collecting on a debt that is over the statue of limitation, collecting on a debt that is unverifiable, and creating more then one account for the same debt. Knowing these facts will allow us to explain to you your rights as a consumer and give you solutions for these issues. This process alone can increase your score from 10 up to 20 points per account.

Visit http://www.creditscoresandcredit.com for details

3. The Debt Negotiation Program

Did you know that when you negotiate on a derogatory debt that you can potentially decrease your score from 10 up to 20 points per transaction. That is why it is imperative that you understand this process, and have an expert explain to you how to take this approach and see great results. Any account that is negotiated for payment will re-age the account. Derogatory accounts that belong to the consumer, and are paid will remain on the report for 7 years from the date of last payment. Be aware of companies that promise to remove this debt once payment is received.

4. The Debt Management Program

We will create a plan of action with your active accounts. This program is an important tool to help you get the best results with your creditors and establish a plan to get out of debt. Have you ever asked yourself this important question, “How long will it take me to get out of debt from a credit card balance of $10,000 with an Annual Percentage Rate of 19%?” Did you know that it will take you 24 years to get out of debt! That is why this program will be essential to your goal of becoming debt free.

5. Identity Thieft Protection Program

Did you know that 1 out of 3 consumers are a victim of identity theft? Most of us have no idea that we are victims of a perpetrator. This program will protect your identity immediately and educate you on the steps to experiencing financial freedom! Most victims do not know where to start with this type of service. We will make sure that you are well prepared while providing the education needed to insure results. This will allow you to experience results in a shorter period of time once you are assigned to a credit restoration professional. Once your credit report is revealing accurate information you will be well on your way to experiencing security with your identity and your credit reports.

6. Loan Modification Program

If you are behind with your mortgage payments, then our Loan Modification program will assist you this process. We will thoroughly review your debt vs. your income and prepare an outstanding package for you in order to save your home. Loan Modification programs were established by the federal government and the mortgage industry in order to stop home foreclosure. We will analyze your lender’s loan mitigation policies, our professional loan modification department will negotiate with your lender to get you the best possible solution to your home foreclosure problem. We can help you save your home and credit history through a variety of loan Modification options.

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Award winning company serving credit challenged consumers nationwide. Using our programs our consumers see results that improve credit scores and help them buy a home or refinance. Most results are within 30-90 days depending on the consumer.