We Are Credit Club House
We know that enjoying the finest things in life is important to you and your family. As a result of this, we will utilize our expertise to help you restore, rebuild and raise your credit score, so that one day you will become creditworthy again.
Many people suffer through the disadvantage of higher interest rates, credit denials, and the inability to find experienced help to navigate through the bumps and bruises in this ever-evolving economic world. We are here to help direct you to better credit living by engaging in a number of innovative, financial avenues to improve your credit score.
The Timeline (What To Expect)
Step 1–Get Started
You will be required to provide us with your credit reports from all three credit bureaus, Equifax, Transunion, and Experian. We prefer that you use SmartCredit to pull all three of your credit reports because of the ease of use. They also offer a lot of additional features if you stay on with their membership.
Step 2–The Audit
We provide you with a deep analysis of your credit report, spotting all inaccurate information. We then look at the various factors that are pulling your credit score down and provide you with actionable steps to get your score back up. Lastly, we provide you with step by step guidance on how to rebuild and restore your credit.
Step 3–The Challenge
Thirdly, we load all of the inaccurate, misleading and unverifiable information into our system, and begin to challenge questionable information with the credit bureau, creditor, and collector. Once the dispute letters are ready, we send them out to all furnishers and wait 30 to 40 days for updates. You can track your credit repair progress using our online portal.
Step 4–Rinse & Repeat
Once the updated credit reports come back from the furnishers, we will analyze the updates for any changes to the inaccurate, misleading and unverifiable information. If there are changes, we will update your file and then move on to the next inaccurate, misleading and unverifiable item. If the item comes back verified with no change, we will then follow up with the credit bureaus or the furnisher to try to get a resolution on why the inaccurate information is still on the credit report. We focus on fixing your credit from start to finish. Our goal is to help consumers with bad credit through our credit repair and restoration program.
Remove, Remove, Remove
Fixing your credit is our goal. We will work hard to correct, update or remove the following inaccurate, misleading and unverifiable items listed below:
- Short Sales
- Identity Theft
- Charge Offs
- Account Sold
- Child Support
- Medical Bills
Let’s get educated
The Fair Credit Reporting Act provides many laws to consumers when it comes to their credit reports. We are experts at helping you restore your credit and improve your credit scores. Give us a call Today for your free consultation.
Many consumers complain that it’s hard to raise your credit score once it’s damaged, but this idea is far from the truth. It does not matter how bad your credit report was in the past
Credit means everything in today’s world. It affects a person’s ability to buy a car, a home,and even insurance rates. With so much emphasis placed on good credit, it is imperative that a person knows
We prepare an in-depth credit analysis to calculate and indicate areas of improvement for your credit score. With our specialized programming, we fine-tune individualized plans to improve current credit score in as little as 30 days! With a one-time fee of $179.00, we can start the process to financial independence and protecting your newly acquired credit.
- Your credit adviser will provide you with a road map for success.
- This includes and audit of your credit report.
- Customize action plans around your goals and budget.
- Enrollment in 24/7 online account access.
- We will dispute inaccurate items listed on your report.
- We help with adding ,managing and monitoring positive accounts.
- Dedicated coach to help answer all of your credit related questions.
- Credit education during your restoration journey
What Our Clients Say
Very truth worthy, keeps their clients motivated, always willing to help clients and did Imentiontrustworthyy? Very knowledgeable staff and won’t just keep you in the dark while you wait for results. My credit was super shot, but they were able to get it back up and I was able to buy a 5 bedroom 2 car garage in a very nice neighborhood.
They helped me build up my credit fast after I turned 18. Now I’m just working to maintain it. They informed me about which kind of credit card to get and how to use it. Very professional and great at answering all your questions.
I wrecked my credit when I was 18 and never thought it would be salvageable! They fixed my credit like it was no problem! Which, is now higher than my husbands and we were able to sell our old home & be approved to buy a new one!
Frequently Asked Questions
We don’t only work to remove the negative, inaccurate information from your credit report. We also give you the information you need to increase your credit score.
You can expect to see results in at least 30 days, with it taking up to 90 days in some cases.
You will need to pay a credit analysis one-time fee of just $179. During this process, we will give you a detailed report that explains what is lowering your credit score and what can be done to increase the score. If you decide you like the direction outlined, the fee is $99 per month. You are not obligated to sign up and you can cancel your service at any time. You are not charged a fee until work is performed.
Once you complete the sign-up process, we will begin working on your credit report to remove any inaccurate information. The program also provides you with the information you need to keep working on raising your credit score.
Most people find a period of at least three months is necessary while some stay in for up to six months to effectively increase their score.
There are a few different ways we can do this. You can sign up for something like IdentityIQ.com, which is a service that gives you access to all of your credit reports. You give the login information to us and we take it from there. Another option is for you to mail us hard copies of your report. You can also upload them to an online portal and send them to us that way.
We can challenge as many as you want at a single time, the choice is yours.
Your personal information will not be shared with anybody. The only time information is shared would be with an affiliate partner who is a part of the dispute process.
By increasing your credit score with the removal of inaccurate information, you will have a better chance of being approved for a home loan.
Yes, when necessary we will dispute inaccurate information with collectors and creditors.
Sure, call 1-407-347-4712 or fill out a form on the website and we will get back to you.
Yes! Call 1-407-347-4712 or fill out the form on the website and someone will be in contact with you within 24 hours.