Making the First Step...
Welcome and thank you for taking the leap to begin the process of restoring your credit. As of today, over 80 million consumers have bad credit which causes them to deal with high interest rates, constant denials when applying for a home loan, car loans, apartments and credit cards.
Our goal is to assist with three aspects of your financial life: repair your credit, realign it, and rebuild your credit score. We want to get you back on track, so you can start enjoying the finer things and life. The primary focus of our job is to help you remove, correct, repair or update inaccurate, incomplete and unverifiable information on your credit report. This information comes in the form of late pays, charge-offs, collection accounts, tax liens, judgments, bankruptcies, repossessions, foreclosures, inquires, identity theft accounts and wrong personal information.
A proven approach
We are here to assist you in getting the things you want in life. The credit restoration journey can be very challenging if you are not aware of all the laws that regulate collectors, creditors, and credit bureaus. Our job is to relieve that burden and do all the work for you so that you can get approved again.
We provide you with a thorough credit analysis of your credit report spotting all inaccurate information. We load all of the inaccurate, misleading, and unverifiable information into our system and begin challenging questionable information with the credit bureaus, creditors, and collectors. Updates will be done every 30 to 45 days. You can track the progress in our online portal.
We then look at the other factors that are pulling your credit score down and provide you with actionable steps to get them realigned to respond positively to the credit algorithm.
We also assist you with the creation of a budget, savings, and/or debt payoff plan if needed. Having your finances in order is vital to successful credit restoration.
While restoring your credit, you will be educated on all aspects of raising your credit score, rebuilding and maintaining it. We will give you information on credit building products to add positive accounts back to your report.
Long story short...
The job isn't done until you're seeing results. We believe so deeply in our experts that if you're not happy with the results, your third month of service is on us. So what's the harm in trying our services?
We begin your journey with a Credit Ready Checkup. A checkup allows us to get a high-level review of your account to see if credit restoration is needed. If needed, you have the option to continue on to one of our Credit Restoration programs.
Credit Ready Checkup
- Audit of your credit report and scores
- Identify the negative items on your report
- 5 Credit Score Factor Review
- Actionable steps to improve your scores.
BONUS: Personalized Credit Analysis Report
- Up to 8 negative accounts
- Personalized Credit analysis report
- 5 Credit Score Factor Review
- Plan of Action
- Unlimited Disputes (Pay per Letter Fee Schedule)
- Monthly Updates (30-45 days)
- Financial improvement guide
- Credit education
- Credit Builders
- Client support as needed
- 24/7 Client Portal Access
*Pay per Letter fee schedule
**$50 one-time Account Setup Fee applies
- same as Restore Lite
- Unlimited negative accounts
**$100 one-time Account Setup Free applies
Pay Per Letter Fee Schedule
Personal Information - FREE
Inquiries - $4.95
To Creditors - $9.95
To Collectors- $9.95
General account disputes - $19.95/ set of 3 (to all bureaus)
Monthly Review - $29
*Must enroll in credit monitoring through Identity IQ.
**10 or more letters will be a fixed fee of $95 for the month
Need a Copy of Your Credit Reports?
Reviewing your credit report periodically will help you make sure it is in good shape when you are ready to apply for new credit and indicate if you have been a victim of identity theft. Others benefits that come with your credit report include:
- Experian, Equifax and TransUnion Reports & Scores
- Daily Credit Monitoring & Alerts
- Updated report available every 30 Days
- $25,000 Identity Theft Insurance
- 7 day trial for only $1
““The professionalism is GREAT!!!! Very patient and gives her clients quality service. I had a very positive experience with this company.””
““Natasha from ZAJ Financial services has been a blessing. She is very knowledgeable about credit and taxes. She has a passion for what she does. Since working with Natasha my credit score has gone up 85 points with all three bureaus””
““I'm amazed and very proud of the help that I've been getting. Noticed a big difference in just the first 30 days, and I am stoked about what the future may hold.
Great results, great service, FIVE STARS!””
Kelton Kelz Dobard