EMAIL:

support@720ficoclub.com

TEL NUMBER:

(816) 653 0900

good finances

& good Credit

is more important than ever.


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good finances

& good Credit

is more important

than ever.

Why work with us?

We work from every angle to remove negative information, educate you, add positive information and correct inaccuracies to help you increase your credit scores.

We offer complete disputing. Our unique dispute methods are a combination of factual and compliance. While most companies practice basic disputing, we offer an extra layer of work to provide a premium disputing service to get you better results.

Types of errors we challenge include: personal information, inquiries, medical bills, bankruptcy, collections/charge-offs, student loans, repossessions, evictions, and late payments, and more.

We dispute with all original creditors, debt collectors, and the credit bureaus (Transunion, Experian, Equifax).

We are very experienced with consumer, business and mortgage credit.

We will be intimately involved with your personal finance and credit repair experience

Credit repair is legal and the law is on your side. We help and guide you from start to finish and we prepare all of the documentation for the various credit agencies.

We use up to 4 attacks on negative items for maximum effectiveness and to guard against possible reinsertion

Month-to-Month with No Commitments

Attorney / legal review of any potential FCRA and FDCPA violations

Our fees are very reasonable and there are NO long binding contracts.

Image

We work from every angle to remove negative information, educate you, add positive information and correct inaccuracies to help you increase your credit scores.

Image

We offer complete disputing. Our unique dispute methods are a combination of factual and compliance. While most companies practice basic disputing, we offer an extra layer of work to provide a premium disputing service to get you better results.

Image

Types of errors we challenge include: personal information, inquiries, medical bills, bankruptcy, collections/charge-offs, student loans, repossessions, evictions, and late payments, and more.

Image

We dispute with all original creditors, debt collectors, and the credit bureaus (Transunion, Experian, Equifax).

Image

We are very experienced with consumer, business and mortgage credit.

Image

We will be intimately involved with your personal finance and credit repair experience

Image

Credit repair is legal and the law is on your side. We help and guide you from start to finish and we prepare all of the documentation for the various credit agencies.

Image

We use up to 4 attacks on negative items for maximum effectiveness and to guard against possible reinsertion

Image

Month-to-Month with No Commitments

Image

Attorney / legal review of any potential FCRA and FDCPA violations

Image

Our fees are very reasonable and there are NO long binding contracts.


OUR SERVICES

REQUEST

A CREDIT

ANALYSIS

Personalized Options to Fit Your Exact Finance and Credit Repair Needs.

BOOK ENROLLMENT CONSULTATION

An Experienced Case Analyst and Case Advisor Working Personally With You throughout The Process

Let's Get

You Started

We Will Get Your File and Login Set Up and Start Working on Custom Dispute Letters to Submit On Your Behalf.

YOUR

PROCESS

BEGINS

You Will Have Access to Your Case Status and Updated Information - 24 Hours A Day / 7 Days A Week.


WE ARE IN THE BUSINESS OF

​HELPING CLIENTS IMPROVE THEIR PERSONAL FINANCES AND CREDIT SCORES:

If you have a better credit score you could potentially have a better interest rate.


Just an increase of 20 point in your credit score can mean a difference of tens of thousands of dollars in interest saved on an average priced home and hundreds of dollars of interest saved on car payments and credit cards.


We help clients manage their personal finances better and raise their credit scores quickly and effectively so that they have better purchasing power.

What affects your Credit Score?

​​​We help you dispute negative items in your payment history.

We will show you how to maximize your debt ratio score, even if paying off credit cards is not an option.


We can also help you to removing credit inquiries from your credit report. Most people are aware of the three credit reporting bureaus, Equifax, Experian and TransUnion. The average difference in scores between the highest and lowest of your credit scores, from the three bureaus, is 60 points. This is the result of the credit bureaus having different items on their report, which may be correct, incorrect or are not reported in full compliance with credit law. According to a recent study, nearly 80% of all credit reports have serious errors on them and this does not even include the even smaller errors for which we look.


If we cannot remove negative credit items from all three of your credit reports in the first 90 days, we will refund 100% of your monthly fees.

​​In addition to starting the credit dispute process with you, what can I do to help raise my credit score?

Pay all of your bills on time, every time. This includes your utility bills, mortgage and auto payments, and all of your revolving lines of credit like credit cards. Check your credit report at least once a year. You can find out how to challenge bad information on your credit report here.


Never charge more than 30% of the available balance on any of your credit cards. Banks like to see a nice record of on-time payments, and several credit cards that are not maxed-out. If you are carrying high balances on your credit cards, then make paying them down below 30% a priority.


Do use your credit cards – Many people who make mistakes with their credit believe that the best way to fix things is to never use credit again. If you are afraid that you cannot handle your credit cards correctly then the best policy is probably this one:


Run only your utility bills on your credit cards each month, and then pay the balance in full by the due date. This ensures that your utility bills get paid on time automatically, and as long as you keep the habit of paying off your credit card balance each month your score will continue to go up. Leave the credit cards locked in a safe or drawer at home.

Keep your accounts open as long as possible – Even if you are no longer charging on the card. The best policy is to keep those unused accounts open, blow the dust off your card every few months to make a small purchase, then pay it off. How long each of your accounts have been active is a major factor in your credit score.


Remember that this all takes time – Following the above steps consistently over a long period of time will increase your credit score and allow you to qualify for better loans and lower interest rates.


Repairing your credit score does not happen overnight, so if you do these things for a few months and do not see a large increase in your score, do not give up. They are all habits that you will want to maintain throughout your life, as they will help you to keep your finances and lines of credit under control.

​​How long will certain items remain on my credit file?

Delinquencies (30- 180 days): A delinquency may remain on file for seven years; from the date of the initial missed payment.

Collection Accounts: May remain seven years from the date of the initial missed payment that led to the collection (the original delinquency date). When a collection account is paid in full, it will be marked as a "paid collection" on the credit report.

Charge-off Accounts: When a delinquent account is sent to a collections company. This will remain for seven years from the date of the initial missed payment that led to the charge-off (the original delinquency date), even if payments are later made on the charge-off account.

Closed Accounts: Closed accounts are no longer available for further use and may or may not have a zero balance. Closed accounts with delinquencies remain for seven years from the date they are reported closed, whether closed by the creditor or by the consumer. However, the delinquency notation will be removed seven years after the delinquency occurred when pertaining to late payments. Positive closed accounts continue to be reported for ten years from the closing date.

Lost Credit Card: If there are no delinquencies, credit cards reported as lost will continue to be listed for two years from the date the creditor is contacted. Delinquent payments that occurred before the card was lost are reported for seven years.

Bankruptcy: Chapters 7, 11, and 12 will remain on one's credit report for ten years from the filing date. A Chapter 13 bankruptcy is reported for seven years from the filing date. Accounts included in a bankruptcy will remain for seven years from the date reported as included in the bankruptcy

Judgments: Remain seven years from the date filed.

City, County, State, and Federal Tax Liens: Unpaid tax liens remain for fifteen years from the filing date. A paid tax lien will remain on one's score for 10 years from the date of payment.​

Inquiries: Most inquiries listed on one's credit report will remain for two years. All inquiries must remain for a minimum of one year from the date the inquiry was made. Some inquiries, such as employment or pre-approved offers of credit, will show only on a personal credit report pulled by you.​

​Information that cannot be in a credit report:

Medical information (unless you provide consent)

Notice of bankruptcy (Chapter 11) more than ten years old

Debts (including delinquent child support payments) more than seven years old

Age, marital status, or race (if requested from a current or prospective employer)​

BOOK YOUR FREE CONSULTATION & CREDIT ANALYSIS

4050 Pennsylvania Avenue

Kansas City, MO

64111

816-653-0900

Support@720ficoclub.com

Monday-Friday

9:00 AM - 5:00 PM (CST)

Saturday: By Appointment

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