OUR team has extensive knowledge on handling credit bureaus,
creditors, credit bureaus, and collectors. They are
used to using the laws they (creditors, collectors and credit
bureaus) neglect , abuse and improperly use against you. Creditors,
collection agencies, and credit bureaus not used to firm like
us representing you and having it turned on them. Other companies
like ours do not give you direct support to stop the calls and letters, to
learn and use the laws that were written to protect you and get items off
. The laws are clearly stated the that the burden of proof are on them NOT
YOU. They hang up on us, and change from being pompous and
abusive to very very humble when they are facing civil code
violations and fined when we help our clients take them to court.
Updates from all entities are required to be sent by law by
30 days. Sometimes you will not recieve anything. We need to know that so
we can send a "non response" communication. Since we wont be
getting the results of our work YOU have to communicate to us what is
happeing. Since our service is email based you need to contact us
every 30 days to let us know how things are going even if you
don't get anything! Call anytime but we must have an email from
you every thirty days. This lets us know what information you may have
gotten that we don't know about. This way our disputes are pinpoint during
the next round. If you don't do this our agreement is void.
We are not a credit repair company. They send form letters, doing
little to all the factors that will improve your likelyhood of getting
approved by a lender. We do a complete finance makeover analysis
and a part of your contract with us is we will stop creditor harassement
with ceast and desist/debt validation letters, review and get
resolved the "catch-22" issues of mistakes you can't get
cleared. We will consult on making your finances easier to understand
how the lenders see you and we will submit tips on how you can make your
financial position stronger to a loan officer. Basically we help stop the
pressure surrounding your financial stature. For those that
have great
credit but low scores we will go by the same book and get items that
you can get deleted off that you might not imagine and implement other
techniques that will raise your score quicker .
Guarantee terms- We offer a
guarantee but it is under the premise of your complete compliance of the
above during the time it takes to get the work done. If you do not fulfill
your part or the information you provided is not correct or the other
parties have not complied with federal law then you will hold us harmless.
Furthermore you agree that any refund request has to be in writing to us
directly first. We have 30 days to review and respond. If we feel your
case merits a refund it will be minus an administrative fee of $100.
If we feel your claim does not warrant a refund and we both are at an
impasse then we both agree to binding arbitration as our sole remedy.
Canceling payment in any form is considered litigious and applicable to
court action and you agree to pay our legal fess to pursue our rights even
if later we are ordered through arbitration to give any portion back.
Arbitration will be handled by the American Arbitration Counsel in
Wilmington, DE. By making payment you acknowledge you are entering into a
contract for personal lifestyle consulting and agree to the terms and
conditions above .
Nail
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