If you need help raising your credit score, you might be feeling vulnerable and confused; which credit repair services will truly improve your situation? When you work with InCreditable Advisors, you can be assured that we know exactly what to do, how to do it, and how to support you as you achieve real improvement in your credit score quickly.
How Exactly Do We Improve Your Credit Score?
The best way to raise your credit score is to remove outdated, unverified, and inaccurate negative items from your credit reports. This can be much more complicated than it seems, and your own efforts to use free online services can actually cause more harm than good.
In order to remove damaging information, both knowledge and persuasion are necessary when communicating with the credit bureaus. We come with expert knowledge of consumer credit laws and years of communication skills, and we know exactly what you deserve as a consumer. Other credit repair services use templates and form letters, but we craft precise letters that get results for our clients.
We will fight for you until the inaccurate and damaging information is removed to get you the optimal credit profile. You’ll achieve higher scores, lower interest rates and get approval for the credit loans you need.
Besides removing inaccurate information from your credit report, you can raise your score by adding positive trade lines. Our state of the art web based software system allows you to keep track of the progress of your file 24/7. In fact, every time a change is made to your account, we email you to let you know. You are always involved, and you can count on accurate information, unlike what’s provided by many “free” services.
Time Frame for Results
Many of our clients come from the mortgage industry, and they need fast results. Because we go after inaccurate, outdated and misleading negative information very aggressively, we have a short term program that can produce results quickly for our clients. In fact, most items removed typically come off in the 60 to 90 day period. Though we do produce quick results, our services last for up to 6-9 months to ensure the change is comprehensive.
Though credit repair companies like Credit Karma, Credit Sesame and Lexington Law may offer lower monthly fees, they often require 12-18 months to produce any improvement for their clients.
Other credit repair services often provide a cookie cutter approach. They’ll offer a quote over the phone in seconds, and it’s the same for each customer. They often won’t even check all three credit bureaus to understand the scope of your individual situation! Once you’ve signed on, they’ll send all their template letters to the bureaus with little thought or attention. It’s no wonder that these customers see little improvement! When they call to cancel the service, these larger repair services will often try to retain them with a lower monthly fee rather than providing tangible results.
Increditable Advisors won’t offer you a quote until we examine ALL THREE of your credit reports to fully assess your situation. In order to give you an accurate quote, we will talk with you and examine your credit report before providing a Good Faith Estimate on the cost to handle your unique credit profile. On average, our clients experience a 75-100 point increase in their credit scores within 6-9 months; this can save you hundreds of thousands of dollars over the life of a home loan.
Our Past Success Rates
The difference speaks for itself! Just a 20 point FICO increase can mean the difference of tens of thousands of dollars in interest paid over the life of an average priced home. We have a proven track record of raising FICO scores quickly and effectively to give our clients better purchasing power.
In an audit of our 2019 clients, almost 28% of them got 100% of the inaccurate items we pursued deleted. Average deletion/correction was 76.4% overall.
Our customers see an average FICO score increase of 60-100 points in 6 months.
Within only 35 days, our clients saw score increases:
91% saw an increase of 10 points or more
73% saw an increase of 20 points or more
21% saw an increase of 50 points or more
10% saw an increase of 100 points or more
Score increase in 90 days:
97% saw an increase of 10 points or more
82% saw an increase of 20 points or more
33% saw an increase of 50 points or more
22% saw an increase of 100 points or more
Our Efforts and Education Are Unmatched
Of course, it is impossible to give you an accurate prediction of how much your score will increase until we know your unique credit situation. In fact, it would be illegal under the Fair Credit Reporting Act for us to promise a particular score. As a company, we CAN tell you our commitment to your success is unparalleled, and we won’t stop until our skills and experience allow you to achieve the results you need.
When you sign on with InCreditable Advisors’ knowledgeable consultants, you can have a certified credit repair expert and certified FICO professional on your side. Our motto is Better Knowledge – Better Tactics – Better Results.
For more information, please visit us at www.creditexperts.io and book an appointment today. We are Indianapolis’s only Licensed, Bonded & Insured full service credit consulting company, InCreditable Advisors; give us a call today and let us help you improve your credit at 317.202.1297 to schedule your appointment today.