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Our answer to Do it yourself Credit Repair: Our answer to these Do-It-Yourself Credit approach tasks is to let our computer system do the tedious work for clients and have our experience and our intelligent computer system provide guidance and a road map for them to follow. Clients will be accessing our computer system on the web and they will be using our computer system the same way they would use their PC where our computer system will do the following for them:      •    Retrieve, store and analyze the credit reports for the three bureaus      •    Create an errors list or any inconsistencies      •    Interview the clients with inline questions based on the errors found      •    Create forms and letters for clients to mail or fax to the bureaus      •    Create a follow up time-line schedule with phones, faxes and questions to ask      •    There are also online help and our Toll-Free number available for the clients to use      •    Clients may download or print the documents created for credit repair

Credit Repair	Guarantee	The Costs	Why Us	Free Credit Consulting	Facts & Statistics

Credit Repair
Our Four Processes   We simplified our approach using the latest technology into the following processes:
• Sign Up and Retrieving Credit Reports Once the client signs up, the credit reports from the three bureaus will be loaded into our computer system for analysis. Our computer system will analyze the reports looking for errors and inconsistencies. Clients will be able to access our computer and Toll-Free phone help 24X7 and use our services.
• Case Analysis and Creating Reports and Letters Our computer system will ask the clients questions that bureaus would be asking and place their answers into the letters and forms that will send to the bureaus. It will create a readable report that clients will understand what is needed.
• Download or Print Letters and Forms Clients will download or print the needed documents and address, fax and phone numbers the clients will need to mail, fax or call.
• Step-By-Step Credit Repair The Clients will download or print a step-by-step planed time-line schedule for the clients to follow and repair their credit.

Guarantee
• Title IV of the Consumer Credit Protection Act Our Guarantee is done according to the Title IV of the Consumer Credit Protection Act (Public Law 90-321, 82 Stat. 164). This ammedment defines the relationship between the Credit Repair Organizations and the Consumers.
• Our Processes We simplified our approach using the latest technology into the simple processes. Clients will be able to access our computer, Toll-Free phone help and system 24X7 and use our services. Clients will be able to download or print their credit reports, forms and letters created by our computer system.
• Charges Fees for sign up and retrieving clients’ credit reports from the three bureau and storing the reports in our computer system for analysis are the only initial charges that client would pay. We also charge a monthly fee of $30 for using our computer system and Toll-Free phone help 24X7.
• Services Our computer system and Toll-Free phone help is available for our clients 24X7. Our Toll-Free phone analysts will help the client with any issue or concerns. There are no hidden fees or charges.

The Costs
• Account Sign Up & Monthly Fees For $150, an account will be created for our client on system to unlimited access web services and our toll-free number. We also charge a monthly fee of $30 for using our computer system and Toll-Free phone help 24X7.
• Creating Forms & Letters Our computer, Toll-Free phone help provide the services, the forms and the reports needed to repair clients’ credits.
• Free Analyst’s Charges Toll-Free phone Analysts’ charges are paid either by the client packages or monthly fees.
• Service Packages - For more details, see our packages - Sign Up One Time Fee Package - $250 One Year Basic Package - $150 + $30 per month for One year Unlimited Services Package $500 + $75 per month for three years

Why Us
• We Use the Latest Technologies Our Computer System is designed with the latest technologies (Java, database, email, electronic forms, secure, web access and 24X7 access) to automate the analysis processes and clients’ services. It is an intelligent computer system that performs analysis on the credit reports and prepares cases, letters and reports. It saves time and find errors that humans may miss.
• Our Forms & Letters Our Computer system is an intelligence system that perfom the Analysts on the clients’ credit reports. Based on errors or items found in the reports, it will prepare questions the bureaus would ask the clients. The answers to the questions will be used to create the forms, letters and reports which will send to the bureaus.
• Step-By-Step Credit Repair Clients will download or print the needed documents and address, fax and phone numbers the clients will need to mail, fax or call. The Clients will download or print a step-by-step planed time-line schedule for the clients to follow and repair their credit.
• Our Toll-Free Service Analysts Our Toll-Free service is designed with analysts that have access to our computer system. They would help clients with their sign up, questions and concerns.

Free Credit Consulting
• Toll-Free Consultation Our Toll-Free analysts will work with clients and provide free consultations and answer questions and concerns. They provide clients with their options and the services we provide.
• Email-Free Consultation Clients can use our contact information to email us with their questions and concerns. Our team of analysts will reply back with the clients’ options and the services we provide.
• Signed Up Clients-Free Consultation Our signed up clients have free consultation also on any of their needs or concerns. The clients may consult our analysts and have option of giving us the permission to handle the clients’ cases. Our service charge will be made except after the clients sign for our services.
• Free Credit Report Checkup Clients may upload their credit report (text or PDF format) to our servers, where our computer will perform analysis and email the clients with our free consultation on its analysis.

Facts & Statistics
• Experian (on www.en.wikipedia.org) "Its databases contain credit information on 215 million people in the United States and 450 million vehicles, including title and registration data. It provides address information for more than 20 billion promotional mail items to more than 100 million households every year."
• Equifax Inc. (on www.en.wikipedia.org) "Equifax Inc. (NYSE: EFX) is a consumer credit reporting agency in the United States, considered one of the three largest American credit agencies along with Experian and TransUnion. Founded in 1899, Equifax is the oldest of the three agencies and gathers and maintains information on over 400 million credit holders worldwide."
• TransUnion (on www.en.wikipedia.org) "In 2003, Judy Thomas of Klamath Falls, Oregon, was awarded $5.3 million in a dispute with TransUnion. The award was later reduced to $1 million. Thomas claimed it took her six years to get TransUnion to remove erroneous information from her credit report."
• Statistics Studies show that 70% of Americans suffer from bad credit almost 60% of family divorces are from financial problems. In 2008, over 1.3 million Americans filed for bankruptcy, the highest in our nations' history. Studies also show that people are often pushed to bankruptcy through job-loss, illness or divorce.

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