Credit Restoration & Credit Repair Services Guide

The five areas which encompasses complete credit repair and reconstruction.

1. Disputes – All derogatory items, inquiries and incorrect personal information are disputed. We address the little things that affect your credit such as multiple addresses on your report which shows instability and will lower off your score. Showing that you are self employed will also reduced your score. We offer suggestions to correct and improve these areas and many more. For example changing your status from sole proprietor to being under a corporation is just one of the little things that can make a difference. Strategies such as these are just a few of the things we can do that add up and improve your credit score. This typically increases your credit score by 30%.
2. After the first found of disputes, we look at your debt to credit ratio. Our objective here it to reduce the debt and increase the credit limits to improve your debt to credit ratio. Our goal is to get your debt to 30% or below the total high credit limits and we have a number of ways to accomplish this. Improving your debt to credit ratios will increase your credit score by another 30%.
3. Open new accounts. It’s not good enough to just take off old bad credit. We must create new clean positive credit. There are places where you can be approved for new credit, without a credit check, as long as you have an active bank account. By opening new accounts, this will increase your score additional 10%. So far we have increased your score by 70%.
4. Credit Mix – We need to insure that you have a good credit mix of major credit cards, store cards, gas cards, mortgage, car loan, etc. A good appropriate well rounded use of credit will increase your score an additional 10%.
5. Bill Paying habits – It is important to increase the volume going through your accounts each month. We teach you the proper way to pay your monthly bills in a way that will positively impact your credit. Everyone has a certain dollar amount of living expenses. . These are expenses you pay every month. We set up a plan to use existing credit in a way that increases your credit score and establishes a good payment history at the same time increasing your credit score by another 10%.
   

This complete program takes time and effort. Restoring credit the right way is a six month process. Compare this program to companies that charge to merely dispute items and you'll see there really isn't any comparison.

Could you do this for yourself? Of course, if you know what to do and how to do it. Many of these techniques are only known by experienced, qualified credit specialists such as those at Credit Reconstruction Institute. Even if you knew what do to, would your really do it. This process requires a steady and disciplined approach that quite frankly most of us just do not possess. Some things are better off being left to professionals.

How can you afford to pay us to do this?

Poor credit costs the average person $300 more per month in late fees and finance charges than a person with a good credit score. Add it up, that's $3600 per year. In a period of three years that's over $10,000.

Credit Reconstruction Institute ask one question of you in return. How can you afford not to do it?

If you are ready to take your credit seriously, restore, rebuild and maintain it, Credit Reconstruction Institute is here to help and ready when you are.