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FIX. PLAN. WIN.
FREE CONSULTATION
WE REMOVE ITEMS FROM ALL 3 CREDIT BUREAUS.
HOW DOES IT WORK?
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Are you looking to get an auto loan or to refinance an existing loan? Have you
found your dream home but your credit is preventing you from being approved? Are
you frustrated because you can't get approved for any credit cards? Schedule a
consultation today, and let CreditScouts see how we can help you. Sign-Up to get
a free consultation and credit analysis. Relax, while we use the law to
challenge negative items on your report. View results by logging in to see real
time progress every step of the way.
I Want To Know More.
WE DISPUTE UNVERIFIABLE AND INACCURATE ITEMS
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Most people are aware of the three credit reporting bureaus, Equifax, Experian
and TransUnion. The average difference in scores between the highest and lowest
of your credit scores, from the three bureaus, is 60 points. This is the result
of the credit bureaus having different items on their report, which may be
correct, incorrect or are not reported in full compliance with credit law.
According to a recent study, nearly 80% of all credit reports have serious
errors on them and this does not even include the even smaller errors for which
we look.
WHAT TO EXPECT FROM US
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CREDIT CONSULTATION
RESULTS IN 30-45 DAYS
NO HIDDEN FEES
UNLIMITED DISPUTES
DEBT MANAGEMENT PLAN
UNLIMITED SUPPORT
CLIENT ACCESS PORTAL
DELETIONS IN 120 DAYS
I'd Like To Get Started!
$99/MO
$249 Audit/Enrollment - One Time 3 Bureau Credit Analysis Unlimited Disputes
Monthly Updates ScoreBuilder® & Score Tracker Unlimited Support 24/7 Client
Portal Access Credit Monitoring $1M ID Fraud Insurance
Sign Me Up!
FAQS
Got a question? We have answers.
* HOW DO I INCREASE MY CREDIT SCORE?
What is a Credit Score and how can I increase it?
A credit score is a number generated by a mathematical formula that is meant
to predict credit worthiness. Credit scores range from 300-850. The higher
your score is, the more likely you are to get a loan. The lower your score
is, the less likely you are to get a loan. If you have a low credit score and
you do manage to get approved for credit then your interest rate will be much
higher than someone who had a good credit score and borrowed money.
Therefore, having a high credit score can save many thousands of dollars over
the life of your mortgage, auto loan, or credit card.
In addition to starting the credit dispute process with you, you can help
increase your score by doing the following:
1. Pay all of your bills on time, every time. This includes your utility
bills, mortgage and auto payments, and all of your revolving lines of credit
like credit cards. Check your credit report at least once a year. You can
find out how to challenge bad information on your credit report here.
2. Never charge more than 30% of the available balance on any of your credit
cards. Banks like to see a nice record of on-time payments, and several
credit cards that are not maxed-out. If you are carrying high balances on
your credit cards, then make paying them down below 30% a priority. Do use
your credit cards – Many people who make mistakes with their credit believe
that the best way to fix things is to never use credit again. If you are
afraid that you cannot handle your credit cards correctly then the best
policy is probably this one: Run only your utility bills on your credit cards
each month, and then pay the balance in full by the due date. This ensures
that your utility bills get paid on time automatically, and as long as you
keep the habit of paying off your credit card balance each month your score
will continue to go up. Leave the credit cards locked in a safe or drawer at
home.
3. Keep your accounts open as long as possible – Even if you are no longer
charging on the card. The best policy is to keep those unused accounts open,
blow the dust off your card every few months to make a small purchase, then
pay it off. How long each of your accounts have been active is a major factor
in your credit score.
Remember that this all takes time – Following the above steps consistently
over a long period of time will increase your credit score and allow you to
qualify for better loans and lower interest rates. Repairing your credit
score does not happen overnight, so if you do these things for a few months
and do not see a large increase in your score, do not give up. They are all
habits that you will want to maintain throughout your life, as they will help
you to keep your finances and lines of credit under control.
How long does it take to increase my credit score?
Through our services, 93% of our clients see their credit score increase 10
points or more in the first 35 days. Over the full 180-day term of the
contract, the average credit score increase is 80 points. See full
statistical breakdown.
* HOW LONG DOES IT STAY ON MY CREDIT REPORT?
* Delinquencies (30- 180 days): A delinquency may remain on file for seven
years; from the date of the initial missed payment.
* Collection Accounts: May remain seven years from the date of the initial
missed payment that led to the collection (the original delinquency date).
When a collection account is paid in full, it will be marked as a "paid
collection" on the credit report.
* Charge-off Accounts: When a delinquent account is sent to a collections
company. This will remain for seven years from the date of the initial
missed payment that led to the charge-off (the original delinquency date),
even if payments are later made on the charge-off account.
* Closed Accounts: Closed accounts are no longer available for further use
and may or may not have a zero balance. Closed accounts with delinquencies
remain for seven years from the date they are reported closed, whether
closed by the creditor or by the consumer. However, the delinquency
notation will be removed seven years after the delinquency occurred when
pertaining to late payments. Positive closed accounts continue to be
reported for ten years from the closing date.
* Lost Credit Card: If there are no delinquencies, credit cards reported as
lost will continue to be listed for two years from the date the creditor
is contacted. Delinquent payments that occurred before the card was lost
are reported for seven years.
* Bankruptcy: Chapters 7, 11, and 12 will remain on one's credit report for
ten years from the filing date. A Chapter 13 bankruptcy is reported for
seven years from the filing date. Accounts included in a bankruptcy will
remain for seven years from the date reported as included in the
bankruptcy
* Judgments: Remain seven years from the date filed.
* City, County, State, and Federal Tax Liens: Unpaid tax liens remain for
fifteen years from the filing date. A paid tax lien will remain on one's
score for 10 years from the date of payment.
* Inquiries: Most inquiries listed on one's credit report will remain for
two years. All inquiries must remain for a minimum of one year from the
date the inquiry was made. Some inquiries, such as employment or
pre-approved offers of credit, will show only on a personal credit report
pulled by you.
Information that cannot be in a credit report:
* Medical information (unless you provide consent)
* Notice of bankruptcy (Chapter 11) more than ten years old
* Debts (including delinquent child support payments) more than seven years
old
* Age, marital status, or race (if requested from a current or prospective
employer)
* HOW DO CREDIT BUREAUS DETERMINE MY CREDIT SCORE?
35% - Payment History
30% - Debt Ratio
15% - Length of Credit History
10% - Types of Credit
10% - Number of Credit Inquiries
We will help you to remove negative items from your payment history. We will
also show you how to maximize your debt ratio score, even if paying off
credit cards is not an option.
* I GOT DENIED. WHAT DO I DO?
If you are denied credit, the Equal Credit Opportunity Act requires that the
creditor give you a notice that tells you the specific reasons your
application was rejected or the fact that you have the right to learn the
reasons if you ask within 60 days. Indefinite and vague reasons for denial
are illegal, so ask the creditor to be specific. Acceptable reasons include:
“Your income was low” or “You haven’t been employed long enough.”
Unacceptable reasons include: “You didn’t meet our minimum standards” or “You
didn’t receive enough points on our credit scoring system.”
If a creditor says you were denied credit because you are too near your
credit limits on your charge cards or you have too many credit card accounts,
you may want to reapply after paying down your balances or closing some
accounts. Credit scoring systems consider updated information and change over
time.
If you’ve been denied credit, or didn’t get the rate or credit terms you
want, ask the creditor if a credit scoring system was used. If so, ask what
characteristics or factors were used in that system, and the best ways to
improve your application. If you get credit, ask the creditor whether you are
getting the best rate and terms available and, if not, why. If you are not
offered the best rate available because of inaccuracies in your credit
report, be sure to dispute the inaccurate information in your credit report.
* WHAT ELSE IS INCLUDED IN THE MONTHLY FEE?
Now with Score Tracker, Builder & Master!
It is now easier than ever to track all your scores with simple charts or
in-depth information.
See exactly what is helping or hurting your credit score. Get your 120-Day
Plan to a better score.
Be the master of your credit score! Use ScoreMaster® before you apply for
credit, make payments or spend money.
All your online banking in one place. Use action buttons to quickly ask
questions and resolve problems.
A simple and innovative way to view your credit report. Use action buttons to
quickly ask questions and resolve problems.
Your mobile or email Alerts have action buttons to quickly ask questions and
resolve problems.
Plus, you get $1 million identity fraud insurance for your whole family.
The following will be included in your monthly membership:
* Unlimited Smart Credit Report® & Scores
* Unlimited Score Tracker access
* Unlimited ScoreBuilder
* Unlimited Actions
* Unlimited Credit Monitoring
* Unlimited Money Manager access
* A La Carte 3B Report & Scores
* $1MM ID Fraud Insurance Included *Activation Required.
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WE STARTED USING CREDITSCOUTS WHEN MY HUSBAND FOUND OUT HE HAD A 580 CREDIT
SCORE. THEY ABSOLUTELY CHANGED OUR LIVES. AFTER WE GOT MARRIED, WE WERE ABLE
PURCHASE A HOUSE AND JUST LEASED NEW CAR. MY HUSBAND WENT FROM A 580 TO A 720
CREDIT SCORE IN LESS THAN 6 MONTHS.
ARIEL BROWN
CSR SUPERVISOR
Help Me Fix My Credit Today.
FIX. PLAN. WIN.
CONTACT US
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(855) 280-8680
info@creditscouts.net
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Cedar City, UT 84720
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