Late Payments


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How It Works


Identifying Each Problem

There are many steps that need to be taken, in order to create a path or road map, to bettering one’s credit rating. Not only do late pays bring your score down, but inaccurate information is more so, the culprit that is bringing your score down. All this data will be compiled through our Proprietary “Deep Credit Analysis Process.” Once we understand all the problems that have negatively affected your credit score, we will give you all the information you need to take action and we will work together as a team to start getting all those negative and inaccurate remarks removed. This will ultimately strengthen your credit score. Our team will basically be here for you, step by step during the entire process and they will make sure that not only do you take each step in the correct order, but that you also completely understand each step thoroughly.


How Do We Challenge The Bureaus

Upon understanding all your credit report’s information including, unverifiable, not verified, misleading, inaccurate or just false information, we then key in all that data into our system. This is the magic that allows our/your team to start the initial challenging process. The entire process will collectively challenge or question all of the negative information reported by the 3 credit bureaus, the creditors and the collection companies. Our/your team will generate, address, stamp and mail all the necessary letters out to each party. Each dispute round can take 30 to 40 days. Once these important letters are sent, it then becomes a waiting game until you receive all the responses and updates. At any time, you can log into your portal and check out the current status and any positive activity on your credit report. We will continue this process over and over and work with you step by step to help you improve and restore your credit rating.


Analyzing And Understanding Your Updated Reports

After the updated reports have come back in from the suppliers, we will go over them once again to verify the inaccurate, unverifiable or misleading was removed or updated. If the information is still on the report, we go back to the entities that furnished the report and start asking questions about why the information was not removed or updated. If the information on the report has been updated, we move on to the next item that is worthy of a dispute.


Continual Weekly Education

As the entire credit restoration process begins to unfold, we will continue to give you all the necessary tools, information and education you need to continue raising you credit score, throughout life. Not only are we rebuilding you credit rating but we will teach you many techniques, such as information on budgeting and debt settlement, among many other strategies. The entire education process will be sent via text messages, emails or even voice broadcast. This is one of the tools you will set up in your own portal. There are many other products we offer you that will assist you in building AAA credit. Never shy from legal assistance depending on your own circumstance. We will teach you to monitor your credit daily and it will become as common as getting dressed in the morning, as it should. Credit monitoring and credit card management will also help in building your credit scores.

Our Services


If you are tired of being turned down for car loans, a mortgage, credit cards or paying extremely high interest rates, then NOW is the time to get your financial life in order. We start by removing inaccurate items and disputing negative reporting. The Federal law allows you, the consumer, to challenge and dispute all inaccurate information on your credit report, if you feel that any or all the items are inaccurate.


The very next step in restoring your credit is to continually rebuild it while we are working on getting all the negative and inaccurate information removed. Just removing the negative items is not enough. You will have to prove your ability to continue to make all your payments on time to your creditors and FICO or The Fair Isaac Corporation.

Raise Your Score

Now we can laser focus on Resolving your credit score. Raising your credit score is the main factor to getting all loans approved. With a high credit score, you will also be able to enjoy the luxury of low interest loans, therefore, keeping more money in your pockets.

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Schaumburg, IL