Much more than credit restoration!

In today's world of credit and lending, whether it's for a mortgage (purchase or re-finance), your dream car, funding your business for start-up or expansion costs, or whatever the reason happens to be, the most important factor is the FICO score.  It's just not enough to raise scores by addressing and eliminating trade lines that are derogatory, inaccurate and/or outdated.  To us, it's very important that our clients understand the behind the scenes mechanics of the credit reporting system to really maximize their results.  Due to the overwhelming amount of foreclosures, lending and underwriting guidelines are becoming more and more restrictive daily.  So now, more than ever, one must have a focused strategy that will yield success now, as well as later.

For more than 12 years, The Credit and Bankruptcy Foundation has been counseling and assisting clients in areas that go well beyond what is most commonly known as traditional credit repair.  While most companies operate with a “credit repair mill” approach (sending standard letters retrieved from the internet), we offer a very personalized and enhanced credit service. And our testimonials speak volume to just that!

Our comprehensive services are designed to help our clients achieve maximum success with their credit reports by improving their FICO scores. Our personalized credit restoration program with very AFFORDABLE PRICING, provides you with one full year of guaranteed service. And, if you are in need of increasing your score substantially and quickly, we can help you with that by adding 2 + year old SEASONED TRADE LINES. This too, is a guaranteed service that has the ability to add 125 points to your FICO score in about 30 days. We offer continued counseling and education to all of our clients through out the year and provide an online tracking system, CRT EXPRESS™, for your convenience, to assist you in monitoring the progress of your credit restoration process.  If you are currently having issues with paying your mortgage on time, or if you currently have a high interest rate loan, fixed or variable, we can help you with a process that is designed to MODIFY YOUR LOAN to meet your financial needs. This program also includes anyone with ARM that will soon be converting to a variable rate.

Our goals from inception have always been to provide a credit service designed to counsel and assist our clients in attaining the highest possible FICO scores and best credit profile given their individual situations. Daily we hear questions such as, "Are we good candidates for this type of service?" "Should we file bankruptcy, or are there other options?"   "I am 3 months behind in payments on my home, is there anything I can do to save it?"  This is exactly when valued legal experience can make the difference.

It is amazing how many negative items are removed from consumer credit reports each day because they cannot be verified, whether they are accurate or not.  Even after a bankruptcy, whether a Chapter 7 or 13, and regardless of how much or little time has elapsed, your credit report can be repaired. It's True! You can be on the road of recovery much sooner than you may think.

By law, you are allowed to challenge and dispute items on your credit report that are in error or that you don't agree with.  If you challenge these items correctly, the credit bureaus must investigate and prove their validity.  If they cannot, the items in question must be removed.   Disputing negative items in conjunction with the Fair Credit Reporting Act of 1970, and the newly amended FACTA, is the only way to repair your credit legally and permanently.  The Credit and Bankruptcy Foundation specializes in helping people just like you return to the "mainstream" of credit lending. 

THE FAIR CREDIT REPORTING ACT OF 1970, and the newly amended FACTA are very complex laws. So wouldn’t it really make more sense to have a legal firm perform this work especially when it is of such importance?  Of course it does.  So please take your time and browse through our website. This website offers invaluable information that can help you make your best decision. Don’t be deceived in thinking that all “Credit Repair” agencies are alike. They're not!  We have developed a very unique system that has proven to work exceptionally well, time and time again, regardless of your credit circumstances. 

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