Who We Are
Credit repair is the process of improving your credit score by identifying and addressing negative items on your credit report. This involves reading your credit reports to identify errors, such as incorrect personal information or accounts that don't belong to you.
Once we have identified these errors,they can be disputed with the credit bureaus and original creditors to have them removed or corrected.
In addition to disputing errors, credit repair also involves building your credit by establishing positive credit history and understanding how credit works. This can include making on-time payments, keeping credit utilization low, and diversifying your credit mix.
Credit monitoring is another important aspect of credit repair, as it allows you to stay on top of changes to your credit report and address any negative items as soon as possible. By taking these steps, you can improve your credit score and gain access to better interest rates and loan options.
What is Full-Service Credit Repair
Financial Shield is here to assist you
At our credit repair company, we have over 10 years of experience helping individuals improve their credit strength. Our team is dedicated to providing top-notch services to our clients, including credit monitoring, reading credit reports, and identifying the factors affecting credit.
We understand that improving your credit score can be overwhelming, which is why we work with you to set up a game plan tailored to your specific needs. Additionally, we offer eBooks to help you learn more about credit repair and budgeting services to help you stay on track.
Our goal planning services are designed to help you achieve your financial goals and improve your credit score. We also specialize in disputing inaccurate items with credit bureaus, original creditors, and debt collectors.
Finally, we provide credit usage information to help you better understand how your credit score is affected by your spending habits. Contact us today to learn more about how we can help you improve your credit score and achieve your financial goals.
We assist with the following and more:
- late payments
- charge-offs
- collections
- medical debt
- repos
- foreclosures
- public records/bankrptcy
- student loans
- rental history with sub-bureaus
- ChexSystems
- data furnisher opt-outs
- new lines of credit
- understnding credit usage
- training on how scoring works
Contact us to see if you qualify for our program at tel:1-800-297-1570
"Thank you for assisting us with our credit and helping us seperate our personal and business lines of credit."
Tammy and Charlie F.
"It said my bankruptcy fell off. You are the best! Thank you again!"
MichelleC.
THANK YOU! THANK YOU! I cannot believe I was able to turn in my old car that I couldn't afford the payments on and purchase a car that fits me, my family AND my budget! I couldn't have done it without your help.
Paul B.
We did it!!! We were able to buy a house!Thank you for helping us budget and use credit to our advantage. We are so happy to have a home for our new baby!
Nancy and Sven Y.
Frequently Asked Questions
How long does it take?
When it comes to credit repair, the length of time it takes to see improvements can vary depending on the specific issues and credit profile. Generally, the process can take several months and requires monthly check-ins to track progress. However, your active participation in the process can make it go faster. So, if you're looking to improve your credit score, be prepared to put in some time and effort, but know that it's worth it in the end.
What results should I expect?
When it comes to credit repair, expectations can vary greatly depending on the individual's goals and credit profile.
It's important to understand that no company can guarantee specific results, as credit repair is a complex process that can take time and patience.
However, our monthly check-ins and letter mailing process allow you to see the work being done on your behalf. It's important to have realistic expectations, which will be determined during your consultation with us.
So, while we can't promise overnight success, we can promise to work diligently on your behalf and keep you informed every step of the way.
Will I have to pay my debts?
At our Financial Shield, we understand the importance of paying off debts in order to improve your credit score.
We work with you to create a personalized plan to tackle your outstanding debts.
Some debts may need to be paid in full, while others may be out of the Statue of Limitations and can no longer be collected.
However, there are also debts that may be able to be settled for a lower amount.
Regardless of the situation, we are here to guide you through the process and help you achieve financial stability.
Why do I have to have credit monitoring?
Credit monitoring is a crucial component of credit repair. It is the only way we have to verify changes to your credit report and ensure that the steps we take are having a positive impact on your credit score. By monitoring your credit report regularly, we can watch for new accounts and new balances that may be affecting your credit score.
It's important to note that credit monitoring must be done using a tri-merged report. This means that we are monitoring all three of the major credit bureaus - Equifax, Experian, and TransUnion. This ensures that we have a complete picture of your credit history and can identify any issues that may be affecting your credit score.
While the cost of credit monitoring may seem like an additional expense during the credit repair period, it is an investment in your financial future. By maintaining credit monitoring throughout the credit repair process, you can ensure that your credit score is improving and that you are on the path to financial stability.
How much does it cost?
When it comes to credit repair, cost is a major consideration for most people. The good news is that we offer three levels of service available, each with its own price point.
The level of service recommended will depend on the services required during your consultation.
The first level of service is typically the most affordable, and it includes basic credit repair services such as credit report analysis, dispute letters, and credit monitoring. This level of service is ideal for those who have minor credit issues and just need a little help getting their credit back on track.
The second level of service is a bit more comprehensive and includes all of the services offered in the first level, as well as more advanced credit repair techniques such as debt validation, goodwill letters, and creditor negotiations. This level of service is ideal for those with more serious credit issues who need more aggressive credit repair solutions.
The third level of service is the most comprehensive and includes all of the services offered in the first two levels, as well as additional services such as debt management, and budgeting. This level of service is ideal for those with complex credit issues who need a holistic approach to credit repair.
Ultimately, the cost of credit repair services will depend on the level of service you choose and the specific services required during your consultation. However, with the right credit repair company, you can rest assured that you will receive the services you need at a fair and reasonable price.
Lets get started
If you're ready to start repairing your credit, the first step is to secure your appointment. This can easily be done by giving us a call to schedule your 30 minute consultation.
After that, we'll help you obtain a tri-merged report, which will give us a better understanding of your credit situation. We'll then email you options for your convenience, so you can choose the best monitoring service for your needs.
Finally, at your appointment time, we'll give you a call to discuss your options and get started on repairing your credit. It's that simple! Don't wait any longer to take control of your credit and financial future.
Let's get started today!
Mother's Day Special
Don't miss out on this opportunity! Book your consultation by Wednesday, May 17, 2023 at 6pm. to receive $100 credit on your bill. Consultation and signing the agreement must happen by May 26, 2023 at 3pm, the close of business.