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Credit Repair Program
Innovative Credit Consultants believes that
your credit could be better.
Innovative Credit Consultants presents each
client with a personalized, credit repair plan
that is based upon a free credit report evaluation
and a free credit repair consultation. Your
credit repair consultant will research the information
placed on your credit report by credit and collection
agenices.
First, your personal credit repair consultant
will audit the credit bureaus: Equifax, Experian,
and TransUnion. Then, these bureaus must explain
how it was determined that the negative items
are correct. We will request validation of your
debts which means creditors have to show us
the original documentation that proves you are
responsible for the charge.
Legal Credit Repair
Did you know there are federal and state laws
in place to protect consumers from inaccurate
and unverifiable credit reporting? We abide
by the Fair Credit Reporting Act and ask the
bureaus to prove and confirm that derogatory
items belong on your report.
Disputing Credit Items
Our Three Simple Credit
Repair Steps
Step 1: Forward your credit reports.
After signing up, you must get us a copy of your
credit reports from the three major credit bureaus.
If you do not have your reports, we can help you
purchase them.
Step 2: Choose which items on the report you want us to question.
Once your credit reports are received, your credit
repair consultant will study your report and conduct
a consultation. You will receive an obligation
free credit repair plan. So far you paid nothing
to ICC. Your credit repair plan will list which
items are disputable,what your score will be if
they are deleted/repaired and how much the deletion
per item will cost. If you agree, your consultant
will dispute your items for you carefully, professionally,
ethically and effectively.
Step 3: The Credit Bureaus respond.
The credit bureaus will investigate the item in
question within 30 days. However, it usually takes
60 days for you to receive an updated credit report.
These updates will be sent to your home address
and ICC will need a copy. Your updated report
should project a higher score and the item should
be removed/repaired. Then we repeat the process
until your credit report is accurate and useful.
Keep in mind you do not pay for the consult.
You do not pay for the credit report evaluation.
You pay per deleted/repaired items and you are
presented with your credit repair plan, obligation
free.
Take the next step, and begin
repairing your credit.
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