skip to Main Content

“Expect More” results with us!

CREDIT REPORTS AND SERVICES:

Credit Reports


Fifth Third Bank
You have the right to receive a copy of your credit report. Each of the nationwide consumer reporting companies Equifax, Experian, and TransUnion are required to provide you with a free copy of your credit report, at your request, once every 12 months.

If a company denies your application, you have the right to the name and address of that credit bureau.

If you question the accuracy or completeness of information in your report, you have the right to file a dispute with the consumer reporting company and the information provider.

You have a right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction. Learn More @ The FTC Web Site.


Annual Credit Report
This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

Privacy Guard
PrivacyGuard offers a comprehensive credit and identity theft protection plan.

Credit Keeper
One of the most popular credit report sites around.

Credit Check Total
Another popular credit report sites around.

Equifax
Equifax is one of the main credit bureaus as well as a well-respected and established provider of consumer credit services. Equifax provides consumers with a wide range of credit monitoring services. Equifax also offers a plan for consumers who are looking to monitor their credit score, and there are several options for those who simply want to receive access to their credit reports and scores.

TransUnion
TransUnion is an American consumer credit reporting agency. TransUnion collects and aggregates information on over one billion individual consumers in over thirty countries including “200 million files profiling nearly every credit-active consumer in the United States”. Its customers include over 65,000 businesses.

Experian
Experian PLC is a consumer credit reporting agency. Experian collects and aggregates information on over one billion people and businesses including 235 million individual US consumers and more than 25 million US businesses.

Identity Theft Programs


Trusted ID
TrustedID provides identity theft protection services that prevent thieves from stealing a victim’s identity and committing credit fraud, and it offers a $1,000,000 guarantee. TrustedID is the perfect solution for customers whose personal information has already been compromised or who want to protect themselves against credit fraud.

Life Lock
LifeLock offers consumers protection from identity theft and credit fraud. As an alternative to traditional credit monitoring services that alert customers after their credit information has already been compromised, LifeLock blocks access to consumers credit files before thieves are able to access them. They also offer helpful services to your customers such as stopping pre-approved credit offers and providing a smooth experience when trying to obtain new credit.

Identity Guard
Identity Guard offers credit monitoring and identity theft prevention services with a wide range of identity theft protection plans available to help your customers secure their personal information, and they also provide access to credit reports and credit scores from the three major credit bureaus.

Identity Truth
IdentityTruth provides credit monitoring and identity theft prevention services that can help protect your customers from credit fraud for less than $10 a month with a $2 million guarantee.

Credit Monitoring


Privacy Matters 1-2-3
Give consumers access to their credit report and credit score for free through Privacy Matters 1-2-3. As one of the most popular consumer protection programs in the nation, Privacy Matters 1-2-3 comes with powerful credit management and monitoring tools – making it easy for your customers to keep on top of their personal credit information.

MyFICO
myFICO is a part of the same organization that developed the FICO Score, which is the most widely established measurement of consumer credit that is used by financial institutions and lenders today. myFICO is also a well-respected provider of credit services and information, and they offer a wide range of options including credit report and score monitoring plans as well as several packages for customers that simply want access to their credit reports and scores.

IT'S POSSIBLE TO REMOVE

  • Late Payments
  • Collections
  • Charge Offs
  • Bankruptcies
  • Judgments
  • Tax Liens
  • Repossessions
  • Inquires
  • Identity Theft
  • Fraud
  • Incorrect/ Inaccurate Information
  • Foreclosures
  • Garnishments
  • Closed Accounts
  • Negative Settlements

LIKE US ON FACEBOOK

CONSUMER RESOURCES:

Consumer Rights

The Fair Credit Reporting Act

This is the Fair Credit Reporting Act (FRCA) as prepared by the Federal Trade Commission (FTC). It is intended only as a convenience for the public and not a substitute for the text in the U.S. Code. Learn More

Identity Theft

A number of government and private organizations have information about various aspects of identity theft and fraud: how it can occur, what you can do about it, and how to guard your privacy. Agencies like the Federal Bureau of Investigation, Federal Trade Commission, United States Postal Inspection Service, United States Secret Service, the Better Business Bureau, and more.

There is no “quick and easy” answer to this question. You should discuss your situation with a credit counselor or a bankruptcy attorney, to evaluate the costs and benefits of bankruptcy given your personal financial situation.

Not every debtor qualifies to file for Chapter 7 bankruptcy. A means test is applied to determine if you will be able to repay a substantial percentage of your debt, and if you are determined able to do so you will be ineligible for a liquidation of your debts and will likely have to engage in a repayment plan as part of a Chapter 13 bankruptcy.

The type of debt you owe can be a significant factor in whether you file for bankruptcy, as well as the form of bankruptcy you pursue. Factors which may affect your decision to file for bankruptcy protection are detailed in this associated article: Filing For Personal Bankruptcy Protection in a U.S. Court.

Your ability to rebuild credit after filing bankruptcy is better than it has ever been. After you get your discharge, you will receive many solicitations from lenders offering to finance homes, vehicles and credit cards.

Forbearance

A company will attempt to stall or reduce your payment by submitting a hardship package on your behalf. Many times the lender will work with a “foreclosure assistance” company before working with an individual attempting to submit a foreclosure package.

Buy-Back-Program

With this option, you can actually sell your house and continue living in. Some investors offer a buy back program where they will step-in quickly, purchase your house, and allow you to rent it while you catch up on your bills and even allow you to purchase it back from them once you are “back on your feet”. (Be very careful, some companies are better then others, and of course, you have those predators out there)

Restructure (Most Popular Alternative)

Some foreclosure companies will negotiate with your lender to get your loan in good standing again. There are many options available to get a restructure approved like a separate payment plan for your delinquency or even adding the delinquency to the end of your loan. No one can guarantee to restructure your payments, so be careful.

Reinstatement

Pay your lender(s) your entire past due payments to bring your mortgage current. This option is rarely feasible. (However I know some private money lenders that will provide homeowners up to 90% for the reinstatement amount.)

Refinanace

Hardly available, through traditional lenders, however some foreclosure companies have established relationships with in-house lenders who can give loans on mortgages that are in foreclosure if there is enough equity in your property available.

Sell Your Home

You may simply sell your home before the Foreclosure Sale Date. Sometimes the home owner is unable to sell the home outright at the desired sale price and this is not an option.

Short Sale

In this instance the lender may take less than what you owe on the loan to avoid a lengthy and costly foreclosure process.

Deed-in-lieu of Foreclosure

You or a foreclosure company can arrange for you to simply give the home back to the lender and walk away with a clean slate.

Bankruptcy

This is a last resort. This will only save your home temporarily. If you miss one payment during this process the lender will put you right back into foreclosure.