Getting Started.
Once you register with Excel Credit Solutions, you will have taken the first step towards a clean credit and more opportunities for better financing for your home, autos and revolving credit. Getting started right away can open doors to employment opportunities as more and more companies are conducting credit enquiries as part of their background check.
Once you have registered we will assign a credit repair specialist to assist you with your case. We will require you to provide us with several pieces of information, which will be kept highly confidential and protected by our Privacy Policy rights from banking institutions, insurance companies, and any other third party agency.
We will need the following:
1. Social Security verification – choose (1) of the following
a. Photocopy of your Social Security card
b. Photocopy of your pay stub displaying your full social security number
c. Photocopy of your W-2
d. Photocopy of your Health insurance card that contains your full Social Security number
2. Current Picture I.D. – choose (1) of the following
a. Photocopy of your drivers license
b. Photocopy of your State I.D.
c. Photocopy of your Passport
3. Address verification – photocopy of your current bill with your name and current address clearly displayed; choose (1) of the following
a. Utility bill
b. Telephone bill
c. Credit Card bill
d. Bank Statement
After an application is filled out and we have all of the required information a complete audit analysis will take place and all negative items will be disputed.
In about 30 – 45 days you will receive some sort of correspondence from the bureaus. THIS IS IMPORTANT… open all of your mail. The bureaus are sneaky and want to do whatever they can to break this chain of communication. They will send things that look like collections (plain envelope with a window and no logo), bills (advertising on the envelope), and plain paper with a couple of bar codes on them. They assume that you might disregard these items as junk mail and break the cycle. OPEN ALL OF YOUR MAIL! If there is something that says EXPERIAN, EQUIFAX, TRANSUNION or ANY OF YOUR CREDITORS… fold it… put it in an envelope…and mail it to Excel Credit Solutions right away!
Each bureau will eventually send an update report listing the disputed items and their status. Each item will show deleted, being reviewed, updated or verified. Regardless of what it says… fold it… put it in an envelope… and mail it to Excel Credit Solutions right away. We will then prepare another dispute letter for the items that were not deleted and this will start a new cycle of the same procedure. This will continue until ALL items are deleted or repaired with each of the bureaus. Our goal is to get you to a 720+ fico score in the shortest time possible.
Together, we can move to improve your credit rating and achieve your financial goals!
Late Payments Charge-Offs Repossessions Collections Bankruptcies Foreclosures Student Loans Judgements Tax Liens
Term: 30years 30years
Interest Rate: 7% 6%
Total Payment: $239,509 $215,838
SAVINGS of $23,671
