Ordering CreditFactors Services
It used to be easy to order my services online using credit cards or PayPal. However, after 10 years of doing all my business through PayPal, they suspended my account in late 2010 because credit and debt settlement services violate their new terms.
While I agree that the industry is dominated by scammers, it seems to me that 10 years of PERFECT PayPal account history and not a single complaint should count for something. Unfortunately, PayPal disagrees. And I found that it’s easier to accept credit cards to sell porn than to provide credit services.
Please email prior to sending a check or money order, especially if you want to get started quickly.
Christine Baker
3880 Stockton Hill 103-156
Kingman, AZ 86409
If you are a CreditFactors member, I will be glad to set up your private forum and get started prior to receipt of payment.
The CreditFactors membership is FREE for Liars & Cheats EXPOSED supporters.
If you’d like to pay through an online payment service or use Western Union or some other payment service, please email.
CreditFactors Knowledgebase and Member Forum
$45 for a 6-months CreditFactors subscription
$75 for a 1-year CreditFactors subscription
Currently a 1-yr CreditFactors subscription is INCLUDED with all personal credit services.
Subscribers who purchased the CreditFactors subscription up to 60 days prior to ordering personal services will receive a full refund and have their subscription extended to a year from the original order date.
To prevent unexpected charges such as overdraft or over limit fees, the CreditFactors membership will NOT automatically renew.
Details about the CreditFactors subscription
Personal Consulting Services
All personal services include your personal secure (SSL) forum.
You can continue to use your forum to keep track of your FICO scores, accounts and disputes as long as you remain a CreditFactors member and all personal services come with a 1 year membership.
My services are described below and please check the CreditFactors FAQ for more information. Please email a brief summary of your situation and I will let you know which services best fit your needs and the estimated cost.
I do NOT run a credit repair mill like Lexington Law and countless credit repair companies. I do NOT recommend frivolous disputes and I have no employees.
With over 20 years of real estate, mortgage, credit and litigation experience, I know what it takes to improve FICO scores.
Credit Review & Consultation: $190 (3 hours)
If you’re not sure what to do about your debts, whether it’s worth your while to work on improving your credit, how to deal with specific creditors and collectors, whether settling accounts will improve your FICO scores, etc., and you don’t want to post in the CreditFactors member forum, this service with your private and secure forum is for you.
You can upgrade to the full credit analysis or order account settlement services after the review.
You private forum will remain active for at least one year and you can use it to organize your accounts, keep track of collection letters, your FICO score history, etc.
Please have a look at the CreditFactors FAQ for additional information and email a summary of your situation so I can give you my recommendations and an estimate.
Debt Settlement – 6 hours
$600 per account / $300 for Credit Activists
Credit Activist 50% discount
I offer a 50% discount to clients who allow me to use their credit reports and dispute / collection experiences to document systemic violations of consumer laws or unfair practices and abuse.
I do NOT disclose my clients’ PERSONAL information.
Of course I redact all identifying data.
I have to review your credit reports and discuss your financial situation and credit goals PRIOR to settling accounts. In MANY cases I do NOT recommend settling at all because the credit rating would not improve and settling would be a waste of your money. Often OTHER steps should be taken. Please order the Credit Review PRIOR to ordering a debt settlement.
Unlike debt settlement companies, I do not charge a percentage of the amount owed or saved, but I charge a flat fee for each account. Some clients have me settle larger accounts and I help them settle small accounts on their own.
My hourly rate for debt settlement is lower because it involves lots of holding on the telephone and clerical tasks that don’t justify my regular rate.
MORE about Flat Fee Debt Settlement – highly recommended reading if you want to improve your FICO scores!
Credit Analysis – improving your FICO scores.
$200/hr — $100/hr for Credit Activists
The Credit Analysis requires the Trans Union and Equifax myFICO credit reports with the FICO scores. Since myFICO no longer provides Experian reports, we have to work with the Experian direct report.
You private forum will remain active for at least one year.
MORE about the Credit Analysis – highly recommended reading if you want to improve your FICO scores!
REFUNDS
Refunds for the CreditFactors Membership will provided with 5 business days of cancellation provided that the reference materials and resources have not been accessed.
Refunds for services not performed will be issued within 5 business days from cancellation.
I do NOT offer telephone consultations.
Please try the psychic hot-line.
Reader mail: telephone credit and bankruptcy consultation?
Questions? Please check the CreditFactors FAQ or contact me.
