Trusted Leaders in

Credit Repair

Our mission is to improve the credit score of our clients allowing them to establish a foundation for creating generational wealth. We do this by educating our clients on their rights and giving them the necessary tools needed to improve their credit and total financial picture.

BOOK A CONSULTATION

A Smarter Way to Repair Your Credit!

1. Credit Evaluation

Our expert analysts will review your credit report item by item to ensure that we can help you get your credit score higher!

2. Set a Goal

Next we set a goal for your credit repair so we can clear up your credits issues in a timely manner.

3. Get Results

You get to sit back and enjoy the results! We will be hard at work with credit bureaus to help increase your score.

Benefits of Better Credit Score and Restoration

Approval for Higher Limits

Qualify for Better Options

Lower Interest Rates

More Negotiating Power

WE ARE EXPERTS AT

Credit Repair

Your credit rating impacts you in more ways than you know and will affect your lifestyle. Our process helps remove inaccurate and unverifiable information from our client’s credit reports, giving them the chance to find their financial freedom.

Credit Education

You have to have good credit to get better credit. Our expertise can help you turn your credit around. Having the ability to build your credit now will enable you to  manage your credit and finances in the future

Credit Consulting

You’re not alone. That’s a huge part of what makes us different. Our ongoing credit consultation service helps you ensure that you’re making the best choices. We want you to know that you can count on the information we provide.

PRICING

$125 Monthly

$295 Audit

  • Credit Education
  • 3 Bureau Audit-Analysis
  • 24/7 Client Portal Access
  • Customer Service Support
  • Monthly Updates
  • Credit Building
  • No Contract
  • Money-Back Guarantee if No Results in 120 Days
  • Unlimited Disputes

GET STARTED TODAY!

Frequently Asked Questions

IS CREDIT REPAIR LEGAL?

The Fair Credit Reporting Act gives you the right to dispute any misrepresentation on your credit reports. Consumer reporting agencies are required to correct or delete inaccurate, incomplete or unverifiable information within 30 days of dispute.

WHEN WILL I SEE RESULTS?

Our clients usually see results within 45 days but the credit bureaus have 30 days to process disputes. The repair process can typically take 6 months to a year depending on the number of items we need to dispute.

WHAT IS CREDIT MONITORING?

Credit monitoring is the process of periodically reviewing your credit reports for accuracy. Credit monitoring helps protect you against identity theft and monitoring any changes and/or inquiries made to your credit file. You will need it throughout the program click here: https://www.identityiq.com/sc-securepreferred.aspx?offercode=43114278

HOW LONG UNTIL I SEE RESULTS?

The credit bureaus, Experian, Equifax, and TransUnion, have 30 days to respond to your disputes, plus 15 days for mailing. That means you should get the results of their investigation within about 45 days.
Often, there are negative items remaining whose potential inaccuracies were not addressed in one or more of the credit bureaus’ responses. It can take several rounds of increasingly assertive disputes to get these items corrected or deleted.
So the short answer is: It depends! It can take less than one month or several months to achieve a completely accurate credit report to which you are legally entitled.
We’ll be with you and advocating for you every step of the way.

WHAT IS MY CREDIT SCORE BASED ON?

35%—both timely and untimely payments. 30%—The amounts and types of outstanding debt. 15%—The time since an account has been opened. 10%—Number of recently opened accounts and recent inquiries. 10%—Number and types of accounts such as credit cards, retail, etc.

CAN ITEMS REAPPEAR ON MY REPORT?

Yes they can. Negative accounts that have been deleted may later reappear if verified by a creditor. According to the Fair Credit Reporting Act the credit bureau must inform you before they re-report a previously deleted listing. The Fair Credit Reporting Act does make it hard to re-report listings, because of this it is very rare for this to occur. If this situation does ever occur we will help you challenge the listing within legal means.

WHAT HAPPENS TO ACCOUNTS WHEN THEY ARE REMOVED?

Removing anything from your credit reports does not remove your obligation to that debt. You still are legally liable for the debt and need to settle it if it is within the statute of limitations in your state. If you feel you are over your head with debt, bankruptcy might be something you should consider, that is the only legal way to remove yourself from debt liability.

IS CREDIT REPAIR REALLY WORTH IT?

In a word, yes, it usually is. If you have inaccurate negative items on your credit reports, that may impact your ability to get a loan or new credit, a house, an apartment, or even a job!
And it isn’t only accounts that matter. Lenders and employers may also look at your “aliases” and past addresses for an indication of your trustworthiness.
It’s common for credit reports to list the wrong name, birthdate, and address. Worse, they often list misspellings and variations as aka’s or past addresses. A person who’s lived in the same place for 30 years may have a dozen different “addresses” listed!
There’s a lot more to credit restoration and credit counseling than disputing obvious mistakes. Call us today to nd out more.

ABOUT COMPANY

Rebuild, Repair & Improve Your Credit Score!

We are a credit score enhancement experts working with clients to tackle low credit scores.

Since we got started we’ve always pushed for bigger and better. Thinking about your finances can be frustrating, but we’re working to make the process simpler and easier to understand for all our members. Our mission is to help our clients attain freedom from financial problems and provide the best affordable credit solutions possible.

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FREE Consultation:

800-619-5218

Email Us:

vestedfinancial@vestedstl.com

Address

Belleville, Illinois, 62221
800-619-5218
vestedfinancial@vestedstl.com

Take control of your credit today!

Most of our clients see results with their credit in as little as 45 days!