Discover the Power of
Credit Repair
We are not a Law firm, but we have built relationships with FCRA attorneys to refer your concerns in the event the bureaus do not comply with your rights
Credit Audit
Get a professional analysis of your credit report to identify opportunities for improvement
Credit Repair
Remove inaccurate and unverifiable items from your credit report and only pay for results.
Credit Education
Get the tools and tips you need to maintain a lifetime of great credit with video and email training.
Easy Payment Options
Every persons situation is different. We offer multiple payment options to best fit your needs
No Upfront Fees
We will never charge for what we “will”, you only pay for work that has been completed for you.
Money Back Guarantee
Rest assured knowing that we back our work with our money back guarantee
MORE THAN A CREDIT REPAIR COMPANY
You can legally repair your credit utilizing consumer protections laws such as the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Much more. We not only works to repair your credit, we provide you the tools you need to educate you for a lifetime of success. Our proven credit repair process will do almost all the work for you while giving you support from start to finish.
WHY CHOOSE US
-
100% Money Back Guarantee
-
Experienced Tools for Consumer Credit, Business Funding, and Mortgage Approvals
-
Intimately Involved in Your Credit Repair Experience
-
Active Support Throughout the Entire Process
-
Affordable Prices and No Long Term Contracts
OUR SERVICES INCLUDE
-
Personalized Credit Repair Options to Fit Your Situation
-
Experienced Cast Analyst and Case Adviser Who Personally Work With You Through the Entire Process
-
Custom Credit Challenges Created For Your Case
-
24/7 Access to Your Case States and Progress
-
Credit Tools and Educations
REST EASY...
THE TRUTH IS…
Over 70 percent of Credit Repair Companies are in the business to make a quick dollar. We are not an average credit repair company. We focus on the credit laws in place to ensure that your creditors are adhering to the FCRA (Fair Credit Reporting Act) and the FDCPA (Fair Debt Collection Practices Act).
YOU NEED CREDIT REPAIR BACKED BY THE LAWS THAT PROTECT YOU
Creditors know that most consumers don’t know the credit laws that protect them. This is where we come in. Let us fight for you. If during the process, we notice something that does not look right, we can assist you in forwarding your credit case to FCRA or FDCPA attorneys for review if you choose. Sign up for a Free no Obligation Credit Consultation.
Pricing
Monthly Credit Repair
$223 Enrollment
- $149 Monthly
- Unlimited Disputes are sent out on your behalf to the Credit Bureaus, Creditors and 3rd party for negative items, late payments and inquiries
- Credit Analysis Report
- Notary(if needed)
- 24/7 portal access
- Credit building resources
- Credit education
- Monthly client review
- Private FB group
Book Now
6 Month Credit Repair
$850 Enrollment
- Payment can be divided into 2 payments over 30 days.
- Unlimited Disputes are sent out on your behalf to the Credit Bureaus, Creditors and 3rd party for negative items, late payments and inquiries
- Credit Analysis Report
- Notary(if needed)
- 24/7 portal access
- Credit building resources
- Credit education
- Monthly client review
- Private FB group
Book Now
WE HELP IMPROVE YOUR CREDIT SCORES BY REMOVING:
Collections
Foreclosures
Charged Off Accounts
Judgments
Late Payments
Inquiries
Tax Liens
Personal Information
Bankruptcy
Short Sales
Repossessions
And More!
Best Of All - You Only Pay for What is Corrected!
THE FACTS
We Have an Excellent Track Record of Improving Clients
Credit Scores
With a better credit score you may qualify for better interest rates and financing terms. Even with just a 20 point increase in your credit scores, you can save TEN’S OF THOUSANDS of dollars in interest on your home, thousands of dollars in interest on your car loans, and hundreds of dollars in credit card interest. Credit repair is not a cost, it is an investment in your financial well being.
Average Length of Services (These Vary and may not be current averages)
Average Improvements in 90 Days (These vary and may not be current averages)
How Our Safe & Effective System Can Work For You
ATTORNEY BACKED CREDIT REPAIR
Credit repair is a great option for improving your credit scores and removing inaccurate and unverifiable information from your credit report. If you follow our proven process you can see some of the great as our other clients. Our proven system not only removes inaccuracies, but will also help build credit and educate you for maintaining your new-found credit.
In 4 to 6 Months, you can improve your credit scores and start taking advantage of lower interest rates, less fee’s, and the financial freedom of using your credit as a tool. Schedule a free credit evaluation below to find out how we can help you.
OUR MOST FREQUENTLY ASKED QUESTIONS
What Items Can You Help Me Remove?
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
Will Items That Are Removed Come Back?
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
Why Do Results Vary?
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 80% of the negative items from a credit report.
How Long Will it Take to Raise My Score?
Through our services, 93% of our clients see their credit score increase 10 points or more in the first 35 days. Over the full 180-day term of the contract, the average credit score increase is 102.7 points. See full statistical breakdown.
How Much Will it Cost Me?
We have different packages that are tailored to the needs of all clients. For a break down of costs, please see our pricing section.
Is Credit Training and Education Worth it?
Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.
What is Your 100% Guarantee?
You are entitled to a 100% refund on all monthly payments if: – You do not remove more than 25% of all the negatives worked on. – You have had no new collections or missed payments in the time frame we are assisting you – You maintain a Credit Monitoring service throughout the Credit Repair service. – You have had six months from the time you retain our services. – You have at least four negatives on the credit report at the time of sign-up. – You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services. – You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.(Clients should receive updated credit reports every 15-45 days. It is the client’s responsibility to make us aware if updated reports have not been received).
Is Credit Training Legal?
$150 Audit
Yes, credit training is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
MONEY BACK GUARANTEE
The goal of credit repair is to remove questionable negative information from credit reports. This is not an exact science and there are cases in which we may be unsuccessful.
Our clients are protected with our 120 day warranty. If you sign up for a monthly service with Shauna’s Financial Service and do not see any questionable items deleted from your credit in 120 days or your score haven’t increased by at least 50 points combined, you will be entitled to a full refund in monthly fees.
This does not mean that your credit will be fixed completely during that period but you should see some of your questionable negative items deleted or an increase to your score in this period or your money back.
The Money Back Guarantee will be strictly subject to you complying with the following terms and conditions:
- Eligibility for a refund does not start until day 120.. You must be an active participant in the program for 120 days. Cancellation or a missed payment during the initial 120 days of the program is a void of this guarantee.
- You maintained credit monitoring for the full duration of the 120 day period without it declining.
- You added at least one of the recommended credit building programs to your credit profile within the first 45 days.
- That you do not create or cause any new derogatory trade lines to be added to your credit report after your participation in the applicable program begins.
- You mail, fax, email or upload using the portal to Shauna’s Financial Service all correspondences relating in any way to your credit report within seven (“7”) days of receiving said correspondence.
- You make all payments due and owing to Shauna’s Financial Service per this agreement in a timely manner.
- You upload the necessary documents needed get started using the portal which includes signing the agreement, proof of your identity such as a copy of driver’s license and copy of proof of residence within two (“2”) days of the effective date of this agreement.
- You agree to give Shauna’s Financial Service ten (“10”) business days from the date you have requested a refund and we receive the letter to allow Shauna’s Financial Service adequate time to review your credit bureaus and audit your account to verify that no negative items have been removed from your account and to ascertain the reason for this occurring.
- Refunds limited to payments made for 120 days of service only. (ex. If client is in service for 180+ days, with no change made to their history, they can request a refund, but that refund will be limited to 120 days of service).