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Credit Repair

Credit Restoration

Your credit score can affect everything from home loans, auto loans, apartment leasing, insurance, and even employment. Bad credit means higher rates on just about everything related to borrowing money. A great credit score is essential to financial freedom.

Back Office Credit Solutions LLC uses aggressive planning strategies and conventional dispute methods to ensure maximum results in improving your score. We strategically work to resolve any outdated, inaccurate, or negative items that are adversely affecting your credit score. Our process is based upon the consumer laws created and enforced by the Federal Trade Commission (FTC).  Our experience allows us to leverage those rights on our clients’ behalf.  The Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Truth In Lending Act (TILA), Fair Credit Billing Act (FCBA), and the Fair and Accurate Credit Transacations Act (FACTA) are just some of the many laws we use to ensure your rights are not violated. You have the legal right to question any information on your credit reports that you feel is questionable or erroneous. If questionable items cannot be proven, they must be removed.

If you answer YES to any of the questions below, contact us immediately!

Need to increase your credit score?

Do you have high interest rates?

Have you been denied for a loan (auto, home, business, credit cards)?

Tired of making mandatory deposits for utilities or phones?

Want lower home or auto insurance rates?

Just want more information on how to save money or lower your current debts?

Have more bills than money?


40 Million Mistakes: Is Your Credit Report Accurate?


HOW IT WORKS:

Back Office Credit Solutions LLC works in a 4-step process that is geared to provide world class customer-service and quality results.

Step 1: Consultation

We will have a one-on-one consultation to discuss your goals. This will determine how Back Office Credit Solutions LLC can help.

Step 2: Sign Up

After sign-up, you will receive a welcome letter. You will be required to provide us with your credit reports from all three credit bureaus: Equifax, Transunion, and Experian. We will conduct a comprehensive credit analysis of your credit report, noting all inaccurate information. Additionally, we consider the various factors that are diminishing your credit score and provide you with actionable steps to increase your score.

Step 3: Create Plan

After your credit analysis, we will work with you to develop a personalized strategy and dispute inaccurate items with all three credit bureaus and collectors. You can track your progress using our online client portal.

Step 4: We go work for you

Credit Repair is NOT an overnight solution. It is a process. The average time frame is 5-7 months. By law, the credit bureaus have 30 days to investigate your dispute. Within 30-45 days, you will receive your results directly from the credit bureaus and collectors. We analyze the updates for any changes to the inaccurate, misleading, and unverifiable information. If there are changes, we update your file and then move on to the next item. If the item returns verified with no change, we follow up with the credit bureaus and collectors to try to get a resolution on why the inaccurate information is still on the credit report. It is imperative that you forward each updated report to us so we can track which questionable items were deleted!

Items Possible To Remove

Late Payments
Collection Accounts
Unauthorized
Inquiries
Fraud
Incorrect Personal Information
Medical Collections
Repossessions
Charge Offs
Bankruptcies
Liens
Other Credit Errors and More!

Other Pricing Plans Available

Credit Analysis is required on all Credit Repair packages except Do-It-Yourself (DIY).

Credit monitoring service with Identity IQ is required and will cost $21.99 per month. This fee is not included in the monthly fee.

To Begin Program
$349

Credit Analysis

  • Audit of Credit Bureaus (Equifax, TransUnion, and Experian)
  • Thorough investigation to expose inaccurate items
  • Research and identify compliance reporting issues
  • Create strategic action plan to meet client goals
  • Discuss the key elements of credit score improvement
  • Receive detailed report on all findings
  • Consultation on recommendations
  • Explore methods to lower debt and increase cash flow
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Pricing Starts At
$99

Monthly

  • Credit reports review and evaluation
  • Credit coaching
  • Debt and money management
  • Process manual updates
  • Financial planning
  • Access to loan and/or debt consolidation options
  • Financial literacy education
  • 24/7 Client portal access
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Do-It-Yourself (DIY) Software
$199

Limited Time Special

  • Up to 3 Users
  • 200 Pre-written letters
  • 20 Dispute campaigns
  • Automated
  • Credit repair training
  • Video training
  • Free updates
  • Backup
  • Dispute tracking
  • Credit Analysis not required
  • Windows Version Only
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Additional Services
Call

For Pricing

  • Build or rebuild personal credit
  • Building business credit
  • Personal and business lending options
  • Legal access: personal and business services
  • Mobile notary services
  • Business entity creation
  • Small business consulting
Start now

CREDIT BUREAUS

Get all three bureaus on one report!

Do You Know How Your Credit Score Is Calculated?

88  35% Payment History: the record of your on-time and late payments
88  30% Available Credit/Amount Owed: your credit limit minus the amount you owe for each account.
88  15% Length of Credit History: the time elapsed since each account was opened.
88  10% Number of Inquiries/New Credit: record of inquiries logged when you apply for credit.
88  10% Types of Credit: mortgages, installment loans, revolving accounts, etc.

It’s time to get your financial LIFE back on COURSE

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