Take Control! It’s your credit own it.
Complete Credit Check and Loan Ready System
Get 25+ years of knowledge and experience packed into a proven system. Our system gives you control. It walks you through the complete process to check, validate, fix, and build your credit, while increasing your buying power.
*Credit Repair Service Fees Are Charged After Work is
Completed Based on Proven Results!
Our program includes all the tools you need to reach your credit goals. We will dispute the accounts and information you believe to be inaccurate, while helping you increase your credit scores:
- FREE logic-based software that walks you through the complete credit investigation process ($59/month value)
- Time-tested and proven strategy to help you reach your credit goals.
- Unlimited Credit Investigations over your entire program, based on six letters per mailing cycle (aka Credit Repair).
- Performance Based Credit Repair Fees After Proven Results.
- FREE Budget Worksheet and Guide ($39 value).
- FREE Student Loan Coaching ($299 value).
- FREE Debt Negotiation Coaching ($299 value).
- FREE Credit-Ready Approval Assistance ($399 value).
- FREE Support Consultations ($349 value).
- You get 3-Bureau Credit Reports and Credit Scores ($24.95/month value).
- Legal Club Membership – includes No-out-of-pocket attorney representation for FCRA/FDCPA violations, discounted legal services and money-saving benefits.
- Attorney assigned for ID Theft Cases.
- Taking Control of Your Credit and Reaching Your Credit Goals – PRICELESS!
Our process is time-tested and proven. It has helped 1000’s of consumers improve their credit standing and get approved for the loan they were seeking. We are confident it will help you too! Get loan-ready for a mortgage, business financing, auto loan, credit cards, or just improve your credit to save money on your insurance and other fees.
It’s easy to follow, very effective and affordable.
3-Bureau credit reports and credit scores refreshed every thirty days. Your credit reports are available for download and allow you to monitor your credit scores. You can also see your program results through your secure online account.
Here is how it works:
yoWe provide transparent services, processing, and pricing.
We charge for Credit Repair Services, based on proven performance, after investigation has been completed per account.
- Purchase your 3-bureau credit report and credit scores ($19.95) to receive your no-obligation Credit Analysis and Credit Improvement Action Plan.
- Receive and review your comprehensive Credit Analysis and Action Plan with a Credit Consultant to determine if our credit repair program fits your needs.
- Your Credit Analysis will designate the items and information impacting your credit score and our plan to help you improve your credit. You decide if it makes sense and if our performance based credit repair service is fair to you.
- If so, complete your enrollment, by registering and paying for direct vendor expenses required to provide our credit repair services. The fee per month is $99.95 and covers 3-bureau credit reports/scores, Legal Club, FCRA/FDCPA Violation Protection, and periodic printing and postage expenses. The vendors are integrated into our system. Some may compensate us.
- You designate the items you want investigated, and authorize letters to be mailed on your behalf.
- Up to six investigation letters are produced and mailed on your behalf every forty-five days, based on need and active status.
- You will receive copies of all letters mailed.
- You will receive responses that you need to upload to your secure portal or email to us. Sending your responses as received can cut your program time by 50%.
- Support staff will review and update your accounts using your responses and updated credit reports.
- You will receive an updated credit analysis with results summary, and any updated credit strategy or recommendations.
- If you have questions, schedule a support call to discuss your goals and the credit verification strategy.
- Next round of letters mailed.
- The process will continue until each account has been resolved.
- Each account typically requires between two to four letters to determine if it is inaccurate, out dated, or unfair.
- In most cases, inaccurate accounts are deleted or repaired.
- If they are not, or they are determined to be accurate, you will be provided other resolutions to reach your credit goals.
- At the appropriate time, you will receive recommendations to add positive credit. Adding it too soon can cause increased collection activity.
- Our goal is to help you reach your credit goals in the shortest time possible.
Use Our Free Credit Building Tools to Reach Your Credit Goals.
Credit Repair Services
Investigation and validation of all your accounts you tag as inaccurate. Investigation letters are generated and mailed on your behalf. Inaccurate items are either removed or corrected. If the account or information is determined to be valid and legal, other resolutions will be offered, which may included but not limited to, reduced pay off, file complaint, small claims, hire an attorney, or leave as is. As an account is determined valid, the investigation process stops for that account and move on or finish the validation process for an remaining accounts until they are all completed.
Student Loan Assistance
If you have defaulted student loans, and depending on the service option you choose, we will help you locate your federal student loan accounts and determine if you are eligibility for an Income Based Repayment, Loan Rehab or Direct Loan Consolidation program. If eligible, we help you complete your monthly budget documents and provide lender communication guidance. The goal is to provide relief with the lowest possible payment.
Credit-Ready Loan Approval Assistance
Our service will help you resolve the issues preventing you from getting your loan and guide you through the necessary steps to be credit ready. Whether you are seeking a mortgage, auto, credit cards, personal loan or business loan our service will get you there.
Debt Negotiation Coaching
We will provide you with expert, proven advice to effectively deal with creditors and collectors and negotiate your best possible savings. We will also coach you to make sure it is done legally and protect you from future issues. If you would like our participation, other fees apply, ask for details.
Credit Check Complete Membership
3-Bureau credit reports with up-to-date credit scores refreshed throughout your program. Easily monitor your progress and track your results.
Total Annual Value
PLUS YOU GET
- Fair, Honest Credit Repair – Fees Charged After Investigations with Proof
- Transparent Service – Copies of All Letters
- Phone Support / Consultations Included
- Student Loan Coaching Assistance Included
- Debt Negotiation Coaching Assistance Included
- Credit Ready Loan Approval Assistance Included
- Integrated Credit Reports
- Legal Club – FCRA/FDCPA Violation Protection, Discounted Legal Services, Money Saving Benefits
- Attorney representation for ID Theft Claims
We Provide Additional Protection and Peace of Mind
Legal Club Membership
Your Membership includes Legal Club Plan
Discounted legal services
Over 20,000 Attorney Network
ID Theft Cases assigned to an Attorney
Zero out-of-pocket FCRA and FDCPA Violation Protection
If a creditor violates your rights, your network attorney will act and if needed file a lawsuit to protect your rights. Your membership includes the attorney representation with potential contingency penalty awards.
Ask About our Affordable Zero Out-of-Pocket Debt Defense Membership.
It provides protection if a creditor or collector files a lawsuit against you it covers your attorney representation and court costs (90-day waiting period.) Emergency enrollment options available. ask for details.
Business Credit Building
Are you a small business owner? Ask about our business credit building and correction service.
It will help you build a strong foundation for business financing with an opportunity to qualify for financing with no personal guarantee.
A Proven System, Packed with Years of Knowledge
Our experience in financial wellness and credit services spans over 25+ years. We have helped thousands turn their credit around and get approved, we are confident we can help you too! With our system and depth of knowledge we will help you reach your credit goals faster than any other credit improvement service available.
YEARS IN BUSINESS
Thank you for the service CCC provided my wife and I. As you know, our credit scores were prohibiting us from refinancing our home and with the adjustable-rate we had, making the higher payments would have been extremely difficult. Within 3 months of becoming a client of CCC, our credit scores rose high enough to allow us to refinance and secure a competitive fixed rate mortgage.
CCC did everything promised and more! I will be recommending your company to anyone and everyone who needs similar help. Again, thank you for everything, we are so grateful.”
Your credit ready program worked just as you stated. I love the fact that you stay on top of things and I appreciate the professional service.”
I appreciate what you have accomplished in such a short time. It has allowed us to buy a new home and have a fresh start. I would recommend your services to everyone.”
Dan, State Police Officer
Want to do more than just check your credit score? Simply click the button, to get loan ready, and accomplish your credit goals today!
Grand Rapids, MI
* Free services only available with your monthly $89.95 Credit Check Complete credit report subscription.
There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender.
There's nothing you need to do to have your membership continue without interruption. If you'd like to get more information about cancellation, simply contact us here anytime.
Experian, Transunion, and Equifax trademarks used herein are trademarks or registered trademarks of Experian, Transunion, and Equifax and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners. Licenses and Disclosures.