Lender Compliance Program
100% Designed To Get You APPROVED!
If We Don’t Perform, You Don’t Pay!
IT’S ALL DONE FOR YOU !
How It Works
During this stage, we assess your file to determine what steps we need to take in order for you to reach your goal.
For instance, if you only need a score bump, we would perform a totally different method than if your goal is to secure funding.
Create A Game Plan
During this stage we document the game plan.
The game plan is based on your goals and what steps we will need to take for you to reach them.
Whether your file has public records, collections, charge offs, or just inquiries, we will put together a specific plan for you to remove these items.
If your goal is business funding and you don’t have enough credit, or a high enough credit limit, or any other requirement to be lender compliant, we will also add this task into the game plan as well.
Once you accept the proposal, it’s SHOWTIME!
Our team will immediately begin working on the tasks that were listed within your game plan.
You will have the ability to monitor the status of your file at all times, through your secured online portal.
Sit Back And Watch Our Team Go To Work!
This is the most fun part. You get to sit back and watch your credit score rise!
We make sure that your payments are made on time, as well as remove your negative credit items.
You’re Lender Compliant
You’ve reached your destination and you’re now what we call Lender Compliant.
This means that you’ve removed all bad credit items, and added the right type of positive credit items needed for you to reach your goal.
i.e. Lender Compliant
The Lender Compliance Program – LCP, is a program that consists of the removal of bad credit items, while simultaneously adding positive credit items, with the sole intent of enhancing the credit profile to where it will be approved for funding upon completion of the program.
What makes the LCP so incredibly special is the Done-For-You Credit Building Component.
There are plenty of law firms, credit repair companies, and consumer rights advocates, that specializes solely on the removal of bad credit items.
While these methods may serve a purpose for some, it doesn’t necessarily address the need for positive credit, which is the primary factor needed to get approved for any type of funding.
Lenders will require a certain amount of credit history before they’ll approve your loan request.
That’s where the LCP flourishes best. It focuses on all aspects that’s needed to get you approved for funding.
The Done-For-You Credit Building Component consists of our team reviewing your file and determining how many new accounts you will need, the credit limits and account types, as well as the age of the accounts.
If your file already has an installment account, then we would add revolving accounts that are set up for credit building.
If your account does not have a certain credit limit that meets the minimum credit limit required to secure funding, then we would ensure the new account does.
If your file does not have enough trade lines reporting on a specific credit bureau, then we will add a credit building account that reports to that particular credit bureau, to ensure you have enough accounts to qualify for funding.
If your average age of account is not high enough, then we would add trade lines with enough age that will increase your average age of account so that it becomes lender compliant.
The best thing about this is that it’s ALL DONE FOR YOU.
Our program also includes DTI computation as well as consultation on the optimal revolving utilization rate that lenders like to see before they approve your loan request.
You tell us what payment method to use, and we make sure that your payments are made on time each month
It’s guaranteed to be the most comprehensive program in the industry today. You will not find another program like the LCP.
We Specialize In The Removal Of
The Following Items:
- Late Pays Bankruptcies (must be discharged)
- Just to name a few…
Lender Compliance Program:
$299 Set Up
This program consists of a very comprehensive process, specifically designed to get your file approved upon completion of the program. We guarantee results just after 30 days. Full completion time frames will vary, dependent upon the actual goal and credit file.
We help and guide you from start to finish and we prepare all of the legal documentation, as well as add positive credit. Our fees are reasonable and there are NO long binding contracts.
We GUARANTEE results or your MONEY BACK!
You don’t have to feel trapped anymore, get in touch with one of our Lender Compliance Solutionists today.
Q: IS THE LENDER COMPLIANCE PROGRAM LEGAL?
A: Yes, it’s 100% 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 disputed that are not errors, a credit 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. It is our job to prepare the legal documents that challenge this and we are very skilled at that.
Q: IS CREDIT TRAINING AND EDUCATION WORTH MY TIME AND MONEY?
A: 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 institution 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.
Q: WHAT CAN I EXPECT WHEN I ENROLL IN THE LENDER COMPLIANCE PROGRAM?
Q: WHAT IS YOUR 100% MONEY BACK GUARANTEE?
A: 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’ve had at least 6 months from the time you retained 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 or attempted to repair your credit two years prior to signing up for our services
-You agree to send updated reports from the 3 credit bureaus to us within 5 days of receipt (you should receive updated credit reports every 15 to 45 days. It is the clients’ responsibility to make us aware if updated reports have not been received)
Q: HOW LONG WILL IT TAKE TO RAISE MY SCORE?
A: Through our services, 93% of our clients see their credit scores 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 80 points.
Q: WHAT DO YOU MEAN BY ADDING POSITIVE CREDIT TO MY CREDIT FILE?
A: If your file lacks the positive credit history needed to accomplish your goal, we will add positive credit tradelines, based on the types of tradelines you will need, in order to accomplish your goal. E.g. If your goal is to secure revolving products and your file does not have any or enough revolving accounts, we will add these specific account types to your credit file. Or, if your goal is to ultimately secure an installment account type and your file does not have any or enough installment accounts to accomplish your goal, then we will add this specific account type to your credit file. The main objective is to add the right type of positive credit to ensure you are able to accomplish your goal. Each month, we will monitor and ensure that your payments are made on time.
Q: WILL THE REMOVED ITEMS COME BACK?
A: 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 3 years. This holds true except in very rare circumstances.
Q: WHAT ITEMS CAN YOU HELP ME TO REMOVE AND IMPROVE?
A: 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.
Q: IS THE PRICE OF THE CREDIT BUILDER TRADELINES INCLUDED IN THE MONTHLY FEE?
A: The monthly fee does not include the price of the credit building tradelines. Based on your goal, we will determine how many, and the types of credit building tradelines that will need to be added to your file. Once that’s been established, you will then receive what the total cost of the credit builder tradelines will be.
Q: ARE THESE CREDIT BUILDER ACCOUNTS JUST LIKE SECURED CREDIT CARDS?
A: The credit builder accounts include secured credit cards, unsecured revolving, installment, and rent reporting accounts.
Q: CAN I DO THE CREDIT BUILDING MYSELF?
A: Yes, you absolutely can. However, it’s sometimes best to just retain the services to ensure that everything is done correctly, on time and according to plan, especially when you’re dealing with something so important.
Q: HOW MUCH DOES YOUR PROGRAM COST?
A: The cost of the program is just $299 to get everything set up and a monthly subscription cost of just $99 while enrolled in the program. Any cost associated with the tradelines/credit builder accounts is a separate fee.