The Credit Optimization Program
Makes full use of Federal Consumer Protection laws to help you get the credit you deserve. Millions of people are wrongfully suffering poor credit! We can help you remove any credit tradelines that are inaccurate, unverifiable, obsolete, or incomplete.
These tradelines include
collections, chargeoffs, late payments, tax liens, public records, and even foreclosures. We advocate for you to help ensure that your credit report is:
Are Credit Problems Holding You Back?
Bad credit restricts your financial freedom and your ability to provide for yourself and your family.
We attack the credit issues holding you back! You don’t have to feel trapped by poor credit and low credit scores any longer. We’ll pursue every potential inaccuracy to get you the credit you lawfully deserve and free you from the Bad Credit Trap.
- Buy or Rent a Home,
- Get financing for a Vehicle,
- Apply for a Job,
- Get new Loans or Credit Cards,
- Afford Utilities like cell phones, water, or power,
- Qualify for affordable Interest Rates,
- And much more…
Get the Credit You Deserve Today
Our Credit Repair Services make full use of the Federal Consumer Protection laws to help you improve your credit scores. We write careful, powerful disputes on your behalf and deal directly with the credit bureaus — Experian, Equifax, and TransUnion — collection agencies, and your creditors.
The Fair Credit Reporting Act (FCRA):
The Fair Debt Collection Practices Act (FDCPA):
The Fair Credit Billing Act (FCBA):
Optimum is here to help you fulfill your rights and get the credit you deserve! Put our specialized knowledge of these Federal laws and our experience with the credit dispute process to your advantage. Contact us today!
Our process for Repairing your Credit is tested, proven, and straightforward:
1. Credit Audit
2. Credit Disputes
3. Dispute Responses
With many years in the real estate and mortgage industry Raquel realized there was a great need for credit clean up. Many of her clients didn’t even know what was on their credit report. Raquel made this a vital part of the homeownership process.
Auditing the credit report was the very first step even if the client was approved with its status; it wasn’t good enough to get the most favorable interest rate and terms. Credit clean up offers consumers more buying power, endless options on payment terms and credit savviness. We believe the credit bureaus should be held accountable for the data they furnish. The entire process of credit reporting should be transparent and auditable. Our number one goal is to use the laws governing credit reporting to be just
and accountable to the consumer.
We got GREAT results and EVEN BETTER Support throughout the entire process! Michael K
Our Services are Designed to Fit Your Needs to Optimize Your Credit.
Credit AuditThorough Examination of Your Credit
- Review of Entire Credit Report
- Debt Ratio Analysis
- Investigation of Derogatory Items
- Personal Data Review
- Public Record Review
- All Account Review
- And more…
Credit RepairRemove Errors from Your Credit
- Credit Bureau Disputes
- Creditor Disputes
- Custom Disputes for Your Case
- Online Tracking Software
- Monthly Review of Progress
- Complete Investigation of All Derogatory Items
- And more…
Ready to Optimize Your Credit
and Gain Financial Freedom?
If you’re tired of bad credit holding you back, call us now to find out how we can help you.
If you’d prefer to talk later, just fill out our short contact form and we’ll get ahold of you to arrange your Free Credit Consultation.
Our friendly team of credit experts will speak with you about your situation, answer any questions you may have, and go over our Credit Optimization Program with you.
Don’t wait; the sooner you get started, the closer you’ll be to achieving better credit and financial freedom!