FICO Credit Score Analysis, Recommendations & Disputes
Pre 2008 clients will continue to receive the 2007 rates for personal consulting services.
Many people need help deciding what to do, whether to stop paying their unsecured debt, to file for bankruptcy, to let the lender foreclose or whether to work on their credit and if so, how much work it will likely be and what the chances of significant improvement are.
For this purpose, I offer the Credit Review. It is NOT the full Credit Analysis with disputes and analysis of EACH problem account, but a quick review of the credit reports and then the discussion of your financial situation, your options and/or what you need to accomplish to see a substantial increase in FICO scores.
If you're not sure whether you need personal assistance and especially if you are sued by a creditor or collector, please subscribe to CreditFactors and utilize the world's greatest credit and litigation resources. No doubt, it's work to study the materials and it's not easy, but I even answer questions at the CreditFactors subscriber forum, I assist subscribers with analyzing their reports and score factors and I help determine what to dispute at no charge as time permits.
Often prospective clients ask whether I guarantee results if I analyze the credit reports and draft the disputes.
Unfortunately, I can not guarantee that the credit bureaus will comply with the Fair Credit Reporting Act. In fact, often one of the three credit bureaus will simply refuse to correct even after multiple disputes. I documented one example at my blog at Trans Union incorrect Date Closed and address.
I can not MAKE the credit bureaus comply with the law, although I am suing Trans Union for its failure to correct the credit reporting.
On 6/16/08, I filed my amended complaint, including the new claim of tortuous interference with my business against Trans Union. While Trans Union had objected to my proposed amended complaint, judge Teilborg ruled in my favor.
Credit repair companies like Lexington and Bradley Ross don't sue the CRAs because they submit frivolous disputes demanding deletion, which often results in LOWER FICO scores. They know nothing about FICO scores and their entire business model is a giant fraud:
Not being a lawyer and not having many thousands of dollars to litigate and to take depositions, it is very unlikely that I'll prevail in Phoenix federal court against Trans Union, but I'll certainly give it a try.
So I can only guarantee that I take great pride in my work and if you follow my recommendations and the credit bureaus and collectors comply with the law, you will get the FICO scores you deserve:
If you don't have new late payments or collections in the last 2 years, your FICO scores should be in the mid to high 600s even with many old charge-offs, collections, judgments and/or bankruptcy.
Old CORRECTLY reported derogatory accounts are only a small part of the FICO scores. The scoring software is designed to rate accounts according to specific seemingly irrelevant data. While any person with half a brain could often determine that an account is old, FICO scoring software is rather dumb and rates accounts based on obvious incorrect data.
I provide professional services just like a CPA or engineer.
I analyze the reporting and score factors, consult with you about the factual account history, your financial situation and credit goals and I can draft disputes to credit bureaus and collectors, settle accounts (if necessary) and provide you with a road map to high FICO scores.
Should you have to sue, you will have the best possible documentation and I can provide you with an affidavit regarding the impact of the incorrect reporting on your FICO scores.
The Credit Activist discount:
I offer a 50% DISCOUNT to all clients who allow me to publish credit reporting, score factors, dispute results, etc. to document specific issues. I always remove personal data and account numbers so that you will not be publicly identified.
My current turn around time for new orders is no more than a week.
If you're not sure whether you should quit paying your unsecured debt, file for bankruptcy, let the lender foreclose or work on your credit, that's the service to order.
I'll set up your private forum and you post a brief summary of your major concerns and known problems.
*** If you are concerned with your credit rating and scores, you need to provide me with access to your myFICO credit reports.
*** If you recently stopped paying your bills and you need help deciding what to do, I can initially work off any tri-merged cheap/free report such as at http://www.privacyguard.com/ or any recent credit report you already have as long as it is available online.
I'll review your credit reports and we'll discuss your situation and options.
I can also give you an ESTIMATE of how many hours I'd have to work to get your FICO scores where they should be and specific problems to expect. You can also get subsequent help with whatever you decide to do at the CreditFactors forum at no additional charge.
Please subscribe to CreditFactors PRIOR to ordering any personal service. You might not need help at all and I always post links to relevant CreditFactors articles for clients.
$190 Credit Review (3 hours):
FICO Credit Score Analysis, Recommendations, Disputes, Review of Investigation Results & 2nd Disputes - 10 hours of my time - up to 6 derogatory accounts
I spend about 5 hours on the Credit Analysis and another 5 hours on the review of the credit bureaus' investigation results, reviewing a new set of FICO reports with the scores and factors and explaining the various options to deal with the likely incorrect verifications and either drafting 2nd disputes, providing you with an affidavit if you want to sue or attach it to your disputes and/or long term recommendations for the highest possible FICO scores.
If you have more than 6 derogatory accounts, this will probably NOT be enough time and you should expect to have to order additional hours.
If you need to settle accounts and you don't need to submit disputes, one settlement is included. You basically get 10 hours of my time for whatever needs to be done to improve your credit rating.
Please have a look at the new FAQ for CreditFactors and my services for additional information.
$900 Credit Analysis (10 hours) (Credit Activist):
$1,800 Credit Analysis (10 hours) (no publication):
5 hours of consulting time for clients with only 1 or 2 derogatory accounts
Obviously, everything takes a lot less time with fewer accounts and if you only have 1 or 2 derogatory accounts or you're mainly looking for strategic advice, whether to increase FICO scores or to prepare for bankruptcy, this service is for you.
This service can also be used to order for 5 hours of additional consulting time by existing clients.
$500 Credit Analysis (5 hours) (Credit Activist):
$1,000 Credit Analysis (5 hours) (no publication):
Additional Consulting Hours
Only for existing clients!
$200 Credit Consultation (2 additional hours) (Credit Activist):
$100 Credit Consultation (1 additional hour) (Credit Activist):
I do not offer telephone consultations, please try the psychic hotline instead.
Fees are subject to change at any time.
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