Our Credit Repair Services

Comprehensive solutions to rebuild your credit and achieve financial freedom

Rick Jefferson consulting with client on credit strategy Rick Jefferson - Professional credit repair expert

Expert Credit Restoration by Rick Jefferson

With 10 years of proven experience, Rick Jefferson and his team have helped thousands of clients remove negative items, dispute inaccuracies, and rebuild their credit scores to achieve their financial goals.

10,000+ Items Removed
95% Success Rate
120+ Avg. Point Increase
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Negative Item Removal

Our most popular service - we identify and challenge negative items on your credit report that are inaccurate, unverifiable, or outdated.

Rick Jefferson analyzing credit report with client

What We Remove

  • Late Payments - Challenge incorrect or unverifiable late payment reports
  • Collections - Dispute invalid collection accounts
  • Charge-offs - Remove unverifiable charge-offs
  • Bankruptcies - Challenge improperly reported bankruptcies
  • Repossessions - Dispute inaccurate repossession records
  • Foreclosures - Remove unverifiable foreclosure entries
  • Judgments - Challenge incorrect judgment records
  • Tax Liens - Dispute improperly filed tax liens

Our Process

1

Credit Analysis

We pull and analyze your credit reports from all three bureaus (Experian, Equifax, TransUnion)

2

Item Identification

We identify all negative items and determine which can be challenged under FCRA

3

Dispute Submission

We submit professional disputes to credit bureaus and creditors

4

Follow-up & Results

We track responses, follow up as needed, and update you on all deletions

TSR/CROA Disclosure: We cannot remove accurate, verifiable information from your credit report. We can only challenge items that are inaccurate, incomplete, or unverifiable. Results vary by individual. You have the right to dispute items yourself for free by contacting credit bureaus directly.

Pricing

Negative item removal is included in all our service plans:

  • Basic Plan: $99/month - Up to 15 disputes per month
  • Professional Plan: $149/month - Up to 30 disputes per month
  • Premium Plan: $199/month - Unlimited disputes
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Professional Credit Disputes

We handle all dispute correspondence with credit bureaus, creditors, and collection agencies on your behalf using proven strategies and FCRA regulations.

Rick Jefferson preparing professional credit dispute letters

What's Included

  • Bureau Disputes - Direct disputes with Experian, Equifax, and TransUnion
  • Creditor Disputes - Challenges sent directly to original creditors
  • Collection Agency Disputes - Validation requests and disputes to collectors
  • Follow-up Letters - Additional correspondence as needed
  • Legal Escalation - FCRA violation letters when applicable
  • Documentation - Complete records of all correspondence

Our Dispute Strategy

Round 1: Bureau Disputes

Initial disputes to all three credit bureaus challenging inaccuracies

Round 2: Direct Creditor

If bureau disputes fail, we go directly to the creditor or furnisher

Round 3: Legal Strategy

FCRA violation claims and escalation to regulatory agencies

Round 4: Advanced Tactics

Goodwill letters, pay-for-delete negotiations, settlement offers

Dispute Volume by Plan

Plan Monthly Disputes Price
Basic Up to 15 disputes $99/month
Professional Up to 30 disputes $149/month
Premium Unlimited disputes $199/month

CROA Compliance: You have the right to dispute inaccurate information directly with credit bureaus for free. Credit bureaus must investigate within 30 days. For more information, visit AnnualCreditReport.com or call 1-877-322-8228.

Expected Timeline

  • Days 1-7: Credit report analysis and dispute preparation
  • Days 8-14: Dispute submission to bureaus and creditors
  • Days 15-45: Bureau investigation period (30 days by law)
  • Days 46-60: Follow-up disputes and escalation as needed
  • Ongoing: Monthly monitoring and new disputes as items are deleted
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Identity Theft Recovery

If you've been a victim of identity theft, we'll help you dispute fraudulent accounts, file police reports, and restore your credit identity.

Identity Theft Services

  • Fraud Alert Placement - Initial and extended fraud alerts with all three bureaus
  • Credit Freeze - Security freezes to prevent new account openings
  • Fraudulent Account Disputes - Challenge all accounts opened by identity thieves
  • Police Report Assistance - Help filing identity theft reports with law enforcement
  • FTC Identity Theft Affidavit - Prepare and file official identity theft reports
  • Creditor Notification - Alert all creditors and financial institutions
  • Credit Monitoring - Ongoing monitoring to catch new fraudulent activity

Recovery Process

1

Document the Theft

Collect evidence, file police report, and create FTC identity theft report

2

Place Fraud Alerts

Immediate fraud alerts and credit freezes with all three bureaus

3

Dispute Fraudulent Items

Submit disputes for all fraudulent accounts and charges

4

Monitor & Protect

Ongoing credit monitoring and identity theft protection

⚠️ Signs of Identity Theft

  • Accounts you didn't open appearing on your credit report
  • Unexpected credit card bills or collection notices
  • Denied credit despite good credit history
  • Missing mail or redirected statements
  • IRS notice about unreported income
  • Data breach notification from a company you use

Your Rights: Under the Fair Credit Reporting Act, you have the right to dispute fraudulent accounts. Credit bureaus must block fraudulent information within 4 business days of receiving an identity theft report. Identity theft victims are entitled to extended fraud alerts (7 years) and additional free credit reports.

Pricing

Identity theft recovery is included in our Premium Plan ($199/month) or available as a standalone service for $299/month until resolution.

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Credit Education & Coaching

Understanding credit is the foundation of financial success. We provide personalized education and coaching to help you make informed credit decisions.

Education Topics

Credit Score Basics

  • How credit scores are calculated (FICO vs VantageScore)
  • The 5 factors affecting your score
  • Difference between credit score and credit report
  • How to read your credit report

Credit Building Strategies

  • Optimal credit utilization (30% rule)
  • Payment history importance (35% of score)
  • Credit mix and new accounts
  • Length of credit history optimization

Debt Management

  • Debt snowball vs avalanche methods
  • Negotiating with creditors
  • Settlement strategies
  • Bankruptcy alternatives

Credit Protection

  • Identity theft prevention
  • Credit monitoring best practices
  • Fraud alerts and credit freezes
  • Disputing errors and inaccuracies

One-on-One Coaching

All clients receive personalized coaching sessions with Rick Jefferson or a certified credit specialist:

  • Initial Consultation - Comprehensive credit review and goal setting (60 minutes)
  • Monthly Check-ins - Progress review and strategy adjustments (30 minutes)
  • Unlimited Email Support - Ask questions anytime
  • Action Plan Development - Custom roadmap to achieve your credit goals
  • Financial Product Guidance - Recommendations for credit cards, loans, etc.

Educational Resources

Clients get access to our exclusive library of credit resources:

  • Video tutorials on credit building
  • Downloadable credit guides and checklists
  • Template letters for creditor negotiations
  • Monthly webinars on credit topics
  • Private Facebook group for client community

Why Education Matters

Credit repair alone isn't enough. Without proper education, many people fall back into bad credit habits. Our coaching ensures you:

  • ✓ Understand how to maintain good credit after repair
  • ✓ Make smart financial decisions that protect your score
  • ✓ Avoid common credit mistakes
  • ✓ Build wealth through strategic credit use

Pricing

Credit education and coaching is included in all our service plans at no additional cost. Standalone coaching available for $97/month.

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Credit Building Programs

Building positive credit is just as important as removing negative items. We help you establish new positive payment history to boost your score.

Credit Building Strategies

Secured Credit Cards

We recommend and help you apply for secured credit cards that report to all three bureaus:

  • Low deposit requirements ($200-$500)
  • Graduate to unsecured cards
  • Build payment history quickly
  • Improve credit utilization ratio

Credit Builder Loans

Small loans designed specifically to build credit:

  • $500-$1,000 loan amounts
  • Funds held in savings until paid
  • Monthly payments reported to bureaus
  • Build savings while building credit

Authorized User Accounts

Benefit from someone else's positive credit history:

  • Immediate score boost potential
  • Inherit account age and payment history
  • No spending access required
  • Can add 20-100 points quickly

Tradeline Services

Add seasoned tradelines to your credit report:

  • Accounts with long positive history
  • Low utilization rates
  • Boost average account age
  • Improve credit mix

Building Timeline

Month Action Expected Impact
Month 1 Apply for secured card, become authorized user +10-30 points
Month 2 Make first on-time payments, open credit builder loan +5-15 points
Month 3 Continue payments, add tradelines if needed +15-40 points
Month 4-6 Consistent payment history established +20-60 points
Month 7-12 Credit mix improved, utilization optimized +30-80 points

Optimal Credit Profile

We help you achieve the ideal credit profile:

  • 3-5 Credit Cards - Mix of secured and unsecured cards
  • 1-2 Installment Loans - Auto loan, personal loan, or credit builder loan
  • Under 10% Utilization - Keep balances low relative to limits
  • 100% On-Time Payments - Never miss a payment
  • Average Age 5+ Years - Don't close old accounts
  • Limited Inquiries - Space out credit applications (6+ months)

Important: We do not sell tradelines or provide credit repair services that violate CROA. All credit building strategies are legal and compliant with federal regulations. Results vary by individual.

Pricing

Credit building guidance is included in our Professional ($149/month) and Premium ($199/month) plans. Tradeline services available for additional fees ($250-$1,500 per tradeline depending on age and limits).

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Mortgage Ready Program

Our specialized program prepares your credit specifically for mortgage approval, helping you qualify for the best rates and terms.

Mortgage Credit Requirements

Different loan types have different credit score requirements:

Loan Type Minimum Score Ideal Score Down Payment
FHA Loan 580 620+ 3.5%
Conventional 620 740+ 3-5%
VA Loan 580-620 660+ 0%
USDA Loan 640 680+ 0%
Jumbo Loan 700 740+ 10-20%

Our Mortgage Ready Process

1

Mortgage Credit Analysis

Review credit from a mortgage underwriter's perspective - not just score, but all factors lenders consider

2

Targeted Repair Strategy

Focus on items that most impact mortgage approval: collections, late payments, high utilization

3

Score Optimization

Rapid rescore strategies to maximize your score before loan application

4

Pre-Approval Preparation

Coordinate with mortgage brokers, prepare documentation, strategically time application

Mortgage-Specific Strategies

  • Pay Down Balances - Get credit utilization under 10% before applying
  • Remove Recent Late Payments - Focus on payments in last 12-24 months
  • Clear All Collections - Pay off or dispute all collection accounts
  • Boost Credit Mix - Add installment loans if you only have credit cards
  • Avoid New Credit - No new accounts or inquiries 6 months before applying
  • Dispute Public Records - Remove bankruptcies, judgments, tax liens if possible
  • Maximize Account Age - Keep old accounts open, become authorized user on aged accounts
  • Employer Stability - Ensure 2+ years employment history (not credit, but important)

Timeline to Mortgage Approval

  • Month 1-2: Aggressive negative item removal, pay down debt
  • Month 3-4: Follow-up disputes, add authorized user accounts, optimize utilization
  • Month 5: Rapid rescore with credit bureaus, final score boost strategies
  • Month 6: Apply for mortgage pre-approval, submit to lender

Average time to mortgage readiness: 90-180 days

Rate Impact by Credit Score

Every 20 points on your credit score can save you thousands:

Credit Score Est. Rate Monthly Payment* Total Interest*
620-639 7.5% $2,797 $606,956
640-659 7.0% $2,661 $558,018
660-679 6.5% $2,528 $510,176
680-699 6.0% $2,398 $463,353
700-759 5.5% $2,271 $417,478
760+ 5.0% $2,147 $372,888

*Based on $400,000 loan, 30-year fixed. Rates vary by market conditions.

Going from 620 to 760+ can save you $234,068 over the life of your loan!

✅ Success Rate

89% of our Mortgage Ready clients get approved for a home loan within 6 months of starting the program.

Disclaimer: Mortgage approval depends on multiple factors beyond credit score including income, debt-to-income ratio, employment history, and down payment. We cannot guarantee mortgage approval. Results vary by individual and lender requirements.

Pricing

The Mortgage Ready Program is available exclusively in our Premium Plan ($199/month). We recommend staying enrolled for 3-6 months for optimal results ($597-$1,194 total investment to save $50,000-$200,000+ on your mortgage).

Get Started with Premium

Ready to Transform Your Credit?

Choose the service that fits your needs and start your journey to financial freedom today.

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