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What is an Audit?

An audit is a document that we prepare where we break down your entire credit report with proper analysis and protocols to expedite the process of increasing your credit score. Inside each Audit you will find tactics and plans for EACH item on your report that is both positive and negative that we are going to work on together to maximize your credit score. This will include of course ALL the tactics that we are going to work on from our end but it will also include some valuable education for you to be able to work some indirect tactics on your end that can also raise your score while we are in the process of restoring your credit score. YOUR AUDIT FEES ARE ALWAYS CREDITED TOWARDS YOUR BALANCE ONCE YOUR REPAIR HAS BEGUN! How cool is that? Plus, we have a 200% MONEY BACK GUARANTEE on our Audit Fees. * See Rules Below for Details

PRICING DEFINITIONS

A fee is generated for the deletion or repair of an item. A repair is defined as an item in negative status being changed to positive status. An item is not considered repaired unless ALL negative information is removed from the reporting of the item. All prices are per item and per bureau. The deletion of ANY item from ANY bureau counts as ONE (1) deletion. The deletion of any account or public record from all three credit bureaus counts as THREE (3) deletions.

Personal Information – $10.00 per item; per bureau We want to make sure that the credit bureaus are reporting 100% accurate information. This can cause a credit merge and a possibility of their items jumping onto your credit report. We work to remove the following:

  • Inaccurate or Misspelled Names
  • Incorrect Date of Birth
  • Incorrect Social Security Number
  • Outdated Telephone Numbers
  • Previous Employment Records
  • Removal of Ex-Spouse

Late Payments – $47.00 per item; per bureau We realize that you might have late payment on your credit report. We challenge the credit bureaus and creditors to ensure they are reporting 100% accurate information pursuant to the Fair Credit Reporting Act (FCRA) and the Fair Credit Billing Act (FCBA).

Late payments appear due to:

  • Job Loss
  • Hospitalization
  • Financial Hardship
  • Computer Error
  • Inaccurate Reporting

Inquiries: – $47.00 per item; per bureau Inquiries can accumulate when applying for mortgages, cars and credit cards. A lot of times, companies will send your info to multiple lenders without your approval. We will ensure the credit bureaus and Creditors do the following.

  • Report 100% Accurate Information
  • Provide Inquiry Validation When Challenged
  • Are not in Violation of the FDCPA or FCRA
  • Ensure Inquiry is Listed Correctly
  • Delete the Inquiry if there is no proof

Standard Items – $47.00 per item; per bureau Standard negative accounts can seem to be very troublesome and you may not know what rights you have. Standard items are defined as the deletion or repair of any item reported by an creditor or collection agency that is not listed as a Public Record from any bureau. Each standard item is $25.00 per bureau AFTER we get a successful deletion/correction.

We will ensure the credit bureaus and creditors do the following:

  • Report 100% Accurate Information
  • Provide Account Validation When Disputed
  • Are not in Violation of the FDCPA or FCRA
  • Ensure Balance is Listed Correctly
  • Mark Account as “In Dispute” when disputed
  • Delete the account if there is no proof

Public Records – $97.00 per item; per bureau Public records can cause your credit score to drop significantly. Court houses do not report to the credit bureaus, so ensuring that you get the proper documentation to remove these accounts are important. Public Records is defined as the deletion of any Public Record on the credit report from any bureau. Each personal public record item is $50.00 per bureau AFTER we get a successful removal. We can dispute the following:

  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Federal Tax Lien
  • State Tax Lien
  • Judgments
  • Child Supports

FINANCING

I believe the reason our customers LOVE our pricing program is simple. You pay us AFTER results. We finance at NO EXTRA charge and NO INTEREST on all pay for delete fees. We accept payments on individual accounts of $77 a month until the balance is paid in full and we accept payments of $127 a month on couples accounts until the accounts are paid in full. This gives everyone a chance to get their credit repaired and have the security of knowing they are not being put in to a financial crisis in doing so.

FINANCING EXAMPLE

Lets say you come to us with 5 negative accounts broken down as the following: 1- Judgement ($97.00) 2- Medical Collections ($47.00) 3- Inaccurate Address ($10) 5- Charge Off ($47)

Total Charges for the deletions would be $201 (a great deal!)

AUDIT FEE GUARANTEE***

 200% Audit Fee Guarantee

Nobody wants to pay a audit fee if they can’t get results. As it is illegal to make any promises with regards to results we will do the next best thing. If we do not get at least $50 in deletions within the first 6 months of service we will give you $78 Easy Conditions.

  • You must have at least $200 in possible deletions to start with
  • We must get through at least 5 cycles/rounds of letters
  • We must have constant access to your updated credit reports
  • You account must be in good standing

Results Guarantee

We cannot promise any specific results as it is illegal however we are willing to offer you a guarantee that gives you money if we don’t hit our goal.  If we DO NOT achieve at least 75% deletions by month 7, then we will gladly refund your last 30 days of payments/fees.

Easy Conditions

  • Account must be in good standing
  • Must have a minimum of 12 items needing to be deleted
  • We must have gone through 7 Cycles/rounds of letters
  • We Must have constant access to your updated credit reports
  • Your account must never be more than 15 days late
  • Inquiries DO NOT compute in % calculationstion
  • If you choose to cancel after a round of letters is submitted, you will still be billed for items removed from your report.
  • Payment plans available

BILLING

  • You are required to have a valid credit card, debt card, or checking account to enroll in our program.
  • Account information will be gathered before any work begins.  WE WILL NOT BILL YOU UNTIL WORK HAS BEEN PERFROMED.  THIS IS THE LAW AND WE WILL NOT STRAY FROM THIS.
  • You will be auto invoiced and auto charged each month 30 days from date you sign up for one of our programs.  The exception is our Pay per Deletion Program (Ultimate Works) which will be billed upon verification that items are no longer on your report.
  • We are willing to work with clients on payment plans outside of those listed above.  Payment plans requested outside of the programs listed above are at the sole discretion of management to accept or deny.

RESULTS

  • Results will not arrive the next day.  Please understand that the credit bureaus have 30 days by law to respond.  Patients is very important.
  • You will be given your own personal portal through our website to access your updates.  This portal cannot be access by anyone other than yourself.
  • It is important that you read through every letter received in your mail.  The results will arrive at your residence and you will responsible for providing those to Credit Works when they arrive through your portal.
  • We do have the ability to file online with the credit bureaus.
  • Most clients see results within the first 45 days.

ADDTIONAL THOUGHTS

  • This is the beginning of a new journey to repair your credit.  It is a process that must be followed while we work to assist you.
  • Firm and fair expectations will be set from the beginning.  We cannot guarantee removal of items from your credit reports or a score increase.  We follow the laws and regulations that regulate our industry.