IIY Credit Solutions will find ways to improve your credit by removing inaccurate negative items that are holding back your credit scores.
Take the next steps to improve your successful financial journey by following these three simple steps:
Enroll – We’ll give you a FREE consultation and credit analysis.
Let’s Get To Work – While we use the law to challenge negative items on your report.
See Results – Log in to see real-time updates every step of the way.
We help improve your credit by removing the following items:
A collection status shows the creditor gave up trying to collect a payment from you, and either sold the account or leased to a 3rd party company to collect the debt.
Consumers often send a payment on time and late payments show up on credit reports because of clerical errors, mail delays or simply due to sheer incompetence.
Foreclosures are extremely negative due to the fact they are high dollar amounts considering it is real estate.
After 90 to 120 days of no payment, creditors will report your debt as uncollectible and sell your account to either a 3rd party debt collection agency, or lease the debt to a company to try to collect. A creditor might send your account to collections before or after charging it off.
If you are late paying on a car or boat, or any vehicle for that matter; it can get ugly. The creditor will usually sell the vehicle at auction for a fraction of what is owed, then sell the balance to a collection agency. You are left owing the deficiency balance.
There are many more different types of accounts that can negatively impact your score, but we are here to help you throughout the process!
Other credit repair companies charge an average of $300 per deleted item which can become expensive quickly. Considering the average credit report has 11 items that could be removed.
We make it affordable.
It is REQUIRED that every client keeps their credit monitoring subscription while we are working on their credit report. It is crucial to be aware of any changes made to your credit report. Credit Monitoring is offered as low as 19.99/monthly through Smart Credit.
We Have The Best 100%
Money Back Guarantee
Are you feeling a bit scared or fearful? That’s normal and a part of the process of dealing with and repairing negative credit. But fear not, we got your back.
At IIY Credit Solutions, we’re working hard to earn your trust.
If we fail to remove any negative items off your credit report within 180 days, you will be refunded 100% for the negative items we were not able to resolve!
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 but not offer proof.
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.
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.
You are entitled to a 100% refund on payments if:
- We reached the end of the contract term, and there wasn't a resolution to the account(s). You will be refunded accodringly based off our pricing.
- 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 30-45 days. It is the client's responsibility to make us aware if updated reports have not been received).
Results can be seen as quickly as 35 days from the start of our services. However, there are many factors that can make the process take up to several months.
You will have access to a 24/7 client portal that will allow you to see all changes being made throughout the process. You will also be contacted each month about any changes, and you may call/text with any questions or concerns.
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 a certain amount of years. This holds true except in very rare circumstances.
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.
At IIY Credit Solutions we believe that with proper support and advocation, positive financial changes are yours. We strive everyday to truly change the lives of our family, friends, our clients, and our community.
Copyright © 2021. All rights reserved.
