Accelerated Credit and Mortgage Report Correction Direct Creditor Negotiations To Correct Reports and Scores Even Sooner Background The Credit Bureaus Experian, Trans-Union, Equifax and thousands of local credit bureau affiliates have almost as much control over your financial life as you do. These giant for profit corporations have compiled information about you without your permission, so information implying your credit worthiness can be sold. If this information was accurate, it might be useful. However, Consumer Reports, The Wall Street Journal, USA Today and U.S. Government studies show that up to 50% of all credit reports contain errors. In addition, studies of complaints filed with the Federal Trade Commission show that 95% of credit bureau complaints allege that someone else’s derogatory public record caused a consumer to be denied credit. Who needs us? If you have negative credit information on your credit history, you need Executive Credit Services. Our clients benefit from the personalized service and efficient removal of items which stand between them and a major financed purchase. Your Credit Services Group agent will act as your advocate to exercise your legal rights to dispute inaccurate, unverifiable or outdated information on your credit reports. Good Credit Can Mean: · Lower Mortgage Interest Rates · Obtaining Unsecured Loans · Lower Interest on Credit Cards · Factory Financing on Car Loans · Securing Small Business Loans · Employment Opportunities Are You Stalled In Escrow? Buying or Refinancing a Home? To determine what type and amount of loan for which you can quality, mortgage industry experts often rate your credit as A, B, C, D, etc. Negative items on your credit report may cause a lower grade on your loan and you may be forced to pay extra points, higher interest, or be required to make a higher down payment. Or worse, you may be refused a loan altogether. It’s Fast Executive Credit Services can provide you with the results you need in less than 90 days. We can help provide the credit relief necessary to fund a home, purchase a car, or secure other credit. Savings! The cost of bad credit is staggering. Shown below is the cost of just two percentage points on a $100,000 loan. A 2% reduction in interest can save you $51,000 for each $100,000 borrowed over the life of the loan! Just imagine what you could do with these savings! We Can Help You! Our Unique Approach While our Executive Credit Services program is negotiating directly with your creditors to remove negative items, our Credit Accuracy Verification division will employ the Fair Credit Reporting Act to challenge the credit bureaus directly. This comprehensive and proven program ensures that you get the best results. Unmatched Service Beware of imitators. Credit Services Group is an experienced organization. Our program has helped people for over 18 years with unmatched results! Once we obtain a good report for you on your behalf, you will continue to benefit for years. How To Begin First, contact one of our representatives to schedule an appointment. We will then review instructions about obtaining a copy of your necessary credit information and complete an application. After we process your application and credit reports (or factual data credit report), one of our underwriters will contact you regarding the credit items in question. Executive Credit Services will review your case and give you a professional opinion about your credit situation. This unique process ensures that we target those items that will have the most positive effect on your credit profile. professional opinion about your credit situation. This unique process ensures that we target those items that will have the most positive effect on your credit profile. The No-Risk Solution As a client, you are not obligated to pay for items processed by Executive Credit Services until those services have been successfully completed. The Accelerated Credit and Mortgage Credit Corrections Program will process the following items: · Late Payments · Unpaid Collections · Charge Offs · Bankruptcy · Tax Liens · Student Loans · Garnishments · Foreclosure · Repossessions · Collections · Judgments · Late Mortgage Payments · Settlements The Legal Solution Credit Services Group uses every legal means to remove outdated, inaccurate or unverifiable derogatory items. We have researched, perfected and developed a proven series of disputation, negotiation and verification techniques, while using State and Federal Laws listed below: 1. Fair Credit Reporting Act 2. Equal Opportunity Act 3. Truth in Lending Act 4. Fair Debt Collection Practices Act The Fair Credit Reporting Act (Public Law 91-508) of 1970, states that disputed information must be deleted if it is inaccurate, unverifiable or outdated. What Our Clients Say About the Accelerated Credit and Mortgage Credit Corrections Program: “Thank you so much for making it possible to buy a new home and a new truck. I feel like a new person! Thank you so much!” D. & S. “We’re so sorry this [thank you letter] took so long to get out. We’ve just been so busy enjoying our New House. Thank You!” D. and Family “To be totally honest, I was reluctant to do business with a firm like yours… but if anyone ever says any negative remarks about [your services] I will definitely give them a piece of my mind and recommend your company.” M. & E. “We can’t believe you resolved the four items we had on our credit report… Our mortgage lender said if he has another client that has a problem on their credit report he will definitely send them to you for counseling and assistance. He said that he is also amazed how fast you were able to resolve our problems… Heaven knows we didn’t know one credit service company from another…” R. & J. “I am referring everyone I know to you because you can surely turn someone’s life around. We have a beautiful new house, a sporty new car and clear credit… thank you so much!” G. & K. Why wait 7 - 10 years for good credit? Contact your local Credit Services Group office to schedule an appointment today!