Icon Credit Solutions repairs your past so you can build a better future.
ICON CREDIT SOLUTIONS LLC
(352) 368-7993
info@iconcreditsolutions.com
THE CREDIT SYSTEM IS CONVOLUTED...BUT YOU HAVE RIGHTS
There are two acts, the FCRA (Fair Credit Reporting Act) which was recently revised into the Fair and Accurate Credit Transactions Act (FACT Act), and the FDCPA (Fair Debts Collections Practices Act). These two acts were set up to protect your credit rights. Sounds like legal stuff right? Don't worry, they're simple to understand. What they basically do for you is hold your creditors and credit bureaus responsible—legally. Which means every claim against your credit they have to back up, and prove—which is a beautiful thing.
By now, I'm sure you know you want to fix your credit. Here's how we're going to do it:
After we have a copy of your reports we'll go through the negative items and work to get as many of them legally removed as possible. Things like late payments, outdated or inaccurate information, judgments, collections...the usual. Basically all the things that home lenders, credit departments, and so on look at when they decide whether to give you that car, home loan, credit card, or interest rate you want.
There is a one time start up fee of $149. This is not a junk fee that is being charged before services are rendered. The sign up fee covers the cost of obtaining your credit reports, a professional line ny line review of your current credit status, the first set of certified letters, and a personal credit counselor to contact you and any financial institution or Realtor or lender that you may be working with.
The monthly fee is $49 per month for a single person or $79 per month for a married couple. Credit repair for most files takes an average of 6 months, but depending on your individual situation and what goals you are trying to reach it may take as little as 30 days or as much as 12 months. Your credit counselor can give a better idea of the time frame to expect after they review your credit report.
The bottom line is this...
Any information on your credit report that contains inaccurate and negative information is noted, and then it will be removed. We are prepared to go directly through the credit reporting agencies to the credit institution who placed the negative item on your report if necessary to remove it. We demand written confirmation of the deletion and a copy is sent to you.
Let me give you an example.
Let's say your credit report shows you have late payments on your credit card 3 months in a row back in 2006. We'll dispute your visa or master card company asking for proof of this. The fact is, either they'll not respond with the right evidence because they have no record of the item, or not bother with our dispute at all. Then just like that, the 3 months of late payments, according to your credit record, never even happened. By law it has to come off your credit record.
The same works for collections, chargeoffs, etc.
You would be amazed at how many times the companies don't even get back to us. Think about it, you've got millions of people you have to keep track of, then you get a letter asking you to prove an event from 2006 about one of your millions of customers. Companies don't have time for that and they definitely don't have the staff for it. We know, we've been doing this for 8 years. And even if we don't get it off your record in the first dispute, we'll send another one, and another. It's like releasing a highly trained swat team on your creditors.
What does this mean for you?
You want lower interest rates, a home loan, a nice car? You want your credit fixed? It's simple, and it's cheap. The moment we start is the moment your credit starts getting better.
That's the moment you get what you want.
No more high interest rates, or deposits. No more sky high payments that suck the money from you faster than you can say "see ya"! And no more crazy hoops to jump through because people don't trust you. Just good credit...and the lifestyle you want.