When was the last time you took a look at your credit report? If you’re thinking about applying for a mortgage, car loan, or credit card facility, then the lender will view your credit report before they approve your facility.
If your credit score in the 500s, then the chances of your getting approved are slim. Even if the lender does approve the facility, chances are it comes with unfavorable terms, such as a high-interest rate.
Many of us never look at our credit report, and we wonder why we get turned down for a personal loan or credit card.
So, how do you check your credit score, and how do you repair bad credit? This process is not as challenging as it sounds.
How to Check Your Credit Report
There are three main credit bureaus in the United States; TransUnion, Equifax, and Equestrian. These bureaus collect data from credit agencies to determine your credit score. If you want to remain in good stead with lenders and receive the best rates on your loans, then you’ll need a credit score over 700.
The credit bureaus allow you to check your credit score once a year for free. All you need to do is request your report on their website, and it’s available for download in a few seconds.
Your credit report shows outstanding accounts, as well as collections or judgments filed by creditors. Americans should check their credit score at least once a year to look for any mistakes or discrepancies.
If you don’t ever view your credit report, then now is a good time to start. Log on to a bureau, and check it as soon as possible.
It’s a common occurrence for people to find that they have collections on their credit report for debts they didn’t even realize they owe. However, ignorance is no excuse.
Although you may not have known that you had a mark on your credit report, that doesn’t stop lenders from viewing it as a blemish against your name.
Collections and Judgments
It’s reasonably common for people who are viewing their credit report to notice they have collections from various creditors. A collection notice occurs when a creditor does not receive payment for money, products, services, or credit loaned or issued to you.
If you fail to repay the creditor, then they issue a collection with an agency to recover the debt. In many cases, your creditors will sell the outstanding debt to a collections agency that specializes in recovering outstanding debts from the consumer market. This debt is then resold from agency to agency, in the hopes that you will pay back the money you owe.
However, in many cases, the collector will not attempt to contact you about the outstanding monies. Instead, they prefer to issue a collection notice against you on your credit report, in the hope that you pick it up, and make the payment to settle the debt.
One of the most common examples of collections you may not be aware of comes in the form of unpaid medical bills. In many cases, the healthcare provider may run into an issue with your insurance, where your insurance refuses to pay the full outstanding amount.
As a result, the healthcare provider goes after you to recover the funds and not the insurer. This sad reality happens to more people than you can imagine.
If you’ve loaned money from financial institutions in the past and failed to pay them back, then you may have a judgment on your credit report. Collections and judgments are detrimental to the health of your creditworthiness, and no lender will take a risk on loaning you funds if you have a history of non-payment that led to a judgment filed against you.
Collections and judgments can prevent you from attaining car finance, insurance, or a lease agreement on an apartment. Therefore, it’s vital that you view your credit report for any judgments or collections, and take the appropriate actions to clear your credit report of these issues.
How Collections Work
To understand how to get rid of these notices, it’s vital that you know how they get on your report in the first place.
When you default on a payment, it doesn’t go to the collections department on the first day after the payment is due. In most cases, creditors will wait for anywhere between 60 to 180-days before sending your debt to their collections department.
Private companies and financial institutions have in-house collection departments that pursue outstanding debts during this time. However, if your contact information changes or you block the number on your cellphone, then it’s challenging for them to get hold of you and notify you about your outstanding account.
If the company or institution can’t get hold of you, then they typically write off the debt after 6-months and no longer attempt contacting you for the outstanding funds.
However, if the company or institution writes off the debt, it doesn’t mean that they let you off the hook. Writing off the debt means that the creditor removes your outstanding debt from their books. Companies do this to make their annual financial statements look better to investors and shareholders. No investor will want to put their money into a business that has significant amounts of outstanding debt.
In some cases, lenders may have insurance against any defaults. This strategy allows them to recover a partial amount of the money you owe from an insurer.
After the write-off, the company typically sells the debt to a collection agency, along with all of your personal information. It is now the responsibility of the collector to start the procedure of filing against you. The collection agency gets in touch with the credit bureau, who then issues a collection notice on your credit report.
The debt collection agency will make numerous attempts to contact you, in the hope that they can intimidate you into paying off the money you owe. Some collection agencies can be very self-righteous and demanding, to the extent that its borderline harassment on their part.
However, if they cannot get hold of you, or you still refuse to pay, then the collection agency may sell the debt to another collection agency, and the cycle begins again.
Each time the agency sells your debt, the amount owed typically reduces, until it becomes an insignificant amount, and the company writes off the debt, and you won’t experience any more threatening phone calls asking you to repay the money.
However, the non-payment collection notice will remain on your credit report, until you either query the validity of the collection with the credit bureau or contact the debt collector to arrange payment.
How Judgments Work
If you have a judgment against your name on your credit report, it’s a far more severe case to handle. A judgment occurs when a creditor wins a lawsuit against you in court, proving that you owe them money. Judgments may come from landlords where you absconded from the terms of your lease, or it may occur from you failing to pay your mortgage, and the lender goes after you in court to force you to pay the outstanding amount after foreclosing on your home.
In most cases, judgments occur after a collection notice is still outstanding for a given amount of time, depending on the policies and procedures in place by the creditor concerning collections. Judgements are typically for large amounts of money, if you owe a few hundred dollars to a creditor, you can expect that they won’t file a judgment against you for this amount.
The reason why not all collections reach the judgment phase is due to the high legal costs involved in filing a judgment. Creditors need to hire a lawyer and pay for the court appearance, along with other legal fees surrounding the paperwork and consulting required to finalize the judgment proceedings. It’s for this reason that most creditors won’t file judgment for amounts under $500.
The creditor presents their case to a judge in court, and the court decides on whether or not to issue a judgment against you. Creditors are obliged to notify you of a court date in which you have to appear to defend your side of the case. In most cases, the debtor does not show up to the court date, and the judge rules in favor of the creditor, making you liable for the outstanding amount.
Steps to Remove Judgments and Collections from your Credit Report
It’s a tedious process to remove collections from your credit report, but when they are gone, it’s a rewarding feeling. Follow these steps to remove collections from your credit report.
Review Your Credit Report and Check for Mistakes
The first step in removing collection notices from your credit report is to collect all of the information on the collection notice. Log on to a credit bureau and download a copy of your credit report.
The collection notice will have all of the relevant information on your outstanding debt owed. If you can manage to find the original invoice, then you can cross-reference this information to ensure that it’s correct.
Should the information differ, then you have the right to protest the collection notice with the Fair Debt Collection Practices Act. If not, then carry on with the rest of the procedure outlined below.
Ask the Creditor for Proof of the Debt
If a debt collector contacts you concerning the outstanding account, then you have the right to ask them for proof of the debt. The collector needs to provide you with relevant documentation of the amount owed.
If they fail to provide this information, you have cause to ask for dismissal and removal of the collection notice from your credit profile, as per guidelines set by the Fair Debt Collection Practices Act.
The FDCPA provides consumers with the right to have the information surrounding the debt issued to you within 5-working days from the date of issue of your request.
The debt collector must be able to prove the following for the debt to be considered valid.
The debt collector must issue verification of the debt or a copy of the judgment against you within 30 days. This verification must include the address and name of the original creditor.
If someone contacts you about a debt you owe, then it’s a prudent strategy to secure the proof of the debt before taking any action.
If the debt collector cannot produce the original documentation, then they cannot validate the debt, and you will have a far easier time removing the collection notice or judgment from your credit report in the dispute phase.
File a Dispute with The Credit Bureau
After gathering the relevant information regarding your collection or judgment, you’re ready to dispute the filing with the credit bureau. You’ll need to file each dispute individually with the credit bureaus, and you can do this online, without physically visiting the bureau’s offices.
The bureau may ask you to send them a copy of the bill dispute, as well as the details of the inaccuracies involved in the credit report. They may also ask you to submit supporting documents to serve as evidence in your case as well.
Determine the Statute of Limitations on Your Debt
Depending on the state in which you reside, the creditor has a limited time frame to execute on the option to sue you for collection of the funds. However, even if the creditor does not take the opportunity to sue, the collection notice remains on your credit report.
Make Arrangements to Pay
If you file a dispute with the credit bureau, and if the creditor does not reply to the bureau’s request for information within 30-days, you have the right to ask then bureau to remove the collection notice from your credit report.
Many creditors ignore these requests from the bureau, and there is a good chance that they won’t pursue the matter. This lack of follow-up on their part plays to your advantage, and you may get the collection or judgment removed from your credit report, even if you still owe the creditor the money.
If the creditor does respond to the bureau’s request, then you can make arrangements to pay the balance. After paying off the amount in full, you can apply to the bureau for removal of the collection notice from your credit report.
Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank or credit card issuer and have not been reviewed, approved or otherwise endorsed by any of these entities.
Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.
USA Credit Repair Review
Consumers looking into credit repair companies are faced with many different options, some better than others. USA Credit Repair falls short of meeting our standards in several areas, including quality of services, pricing structure, and sales practices. Our review breaks down these red flags and more to help you make the most informed decision when approaching credit repair.
- Free consultation: Get a credit repair consultation before deciding if you want to commit to services.
- Offers an accelerated service: If you’re in a rush, you can pay for faster results.
- Cancel anytime: USA Credit Repair doesn’t lock customers in with long-term contracts.
- Online portal: Track your progress via a convenient account management portal.
- Misleading claims: USA Credit Repair makes several claims regarding fees and guaranteed results that could easily mislead customers.
- Lack of pricing transparency: The company fails to disclose pricing online, forcing you to talk to a sales agent to get a quote.
- Website difficult to navigate: It’s hard to find the information you need on USA Credit Repair’s website.
- No educational resources: We typically like to see credit repair companies provide value with free educational materials, but USA Credit Repair doesn’t make these available.
- Doesn’t offer a money-back guarantee: USA Credit Repair promises results within the first 30 days but doesn’t back this claim up with any type of financial guarantee.
Types of Services
USA Credit Repair’s services are limited to the bare minimum typically required of a credit repair company. There are no clearly defined service packages, just a single membership option with few opportunities for customization.
Credit report analysis
The first step in USA Credit Repair’s process is a credit report analysis. A credit expert reviews your credit reports in depth, looking for negative items bringing down your score. Each item is carefully examined to determine whether you might have grounds to dispute it with the credit bureau.
If USA Credit Repair identifies items in your credit reports that are inaccurate, they’ll contact the credit bureaus on your behalf to initiate the dispute process. This includes filing appeals if a dispute is initially denied.
If you believe a credit reporting error comes from the lender’s side, you can also have USA Credit Repair send a validation request to ask for proof that the debt is legitimate. Finally, the company handles goodwill interventions, which can be an option for a small number of people with a single negative mark but overall good credit. If the item is accurate but an anomaly on your report, you may be able to have it removed just by showing an otherwise positive payment history.
Credit repair companies sometimes sell add-ons to their core packages for an extra fee. For example, they may offer credit monitoring or identity theft protection to be used in tandem with their credit repair services. USA Credit Repair doesn’t make any of these available, although it does provide one optional service to speed up the credit repair process.
Unexpected credit reporting errors can hold up time-sensitive processes such as applying for a mortgage. If you’re on a tight schedule, USA Credit Repair’s accelerated program provides faster results for an additional upfront fee. However, the company doesn’t say exactly how much more efficient its accelerated program is compared to standard service. Without any guarantees, it’s hard to say whether this add-on is even worth it.
Like most credit repair companies, USA Credit Repair stays in touch with customers via phone and email. Operating hours are somewhat limited, from 9 a.m. until 6 p.m. EST. The company also hosts an online portal where customers can log in and check the status of their credit repair case 24/7.
Each customer is assigned a dedicated case representative who oversees their entire credit repair process from start to finish. While this is fairly common, not every company does it and it makes a big difference in the overall customer experience. With a designated case manager, you’ll always have someone to talk to who is familiar with your specific situation.
USA Credit Repair’s reputation among customers is mixed. To the company’s credit, it has no complaints registered with the Consumer Financial Protection Bureau, which keeps a record of customer-reported issues related to poor business practices and potential legal violations. It also has an average 4-star rating on Google with mixed positive and negative reviews.
However, USA Credit Repair has an F rating with the Better Business Bureau and a pile of concerning complaints. Many former customers claim that they were charged hundreds of dollars in advance for services that failed to produce results. There are also reports of harassing phone calls after discontinuing services with the company.
Just because a company doesn’t have any complaints with the Consumer Financial Protection Bureau doesn’t make it automatically trustworthy. Most consumers don’t know about the CFPB complaint database, and it’s not uncommon for smaller companies like USA Credit Repair to have no complaints. In addition to vetting companies through the CFPB database, you should also look at other resources like the Federal Trade Commission, the Better Business Bureau, and Google Reviews.
If you have a complaint about the services of a credit repair company, you can file a complaint with the FTC or call 877-FTC-HELP.
On its website, USA Credit Repair advertises that it has no contracts and offers a “month to month” service that customers can cancel anytime. But according to testimonials from former clients, this isn’t exactly the whole truth. Many customer complaints allege that company representatives convinced them to pay for multiple months ahead of time in one lump sum, typically in three-month quantities. Although this may not technically be considered a long-term contract, it’s a problematic practice, to say the least.
Our most pressing concern while reviewing USA Credit Repair was its pricing structure. First and foremost, the company doesn’t disclose its prices online. This is typically a red flag, as it forces customers to talk to a sales representative just to get a quote, which opens up opportunities for pitfalls. Pricing may vary by individual and plan, although according to the information we received and reports from customers, base pricing is around $99 per month.
With that said, an overwhelming number of former customers claim that they were charged upward of $300 in advance for multiple months of service. This typically appears to happen after the customer calls in and is convinced by a company representative that their credit repair case will take a certain number of months to resolve. Those who enroll in the accelerated program can expect to pay an additional $350 fee on top of regular service charges.
USA Credit Repair also publishes some misleading information on its website regarding its fee structure. The company advertises no upfront fees, but this is a moot point since the Credit Repair Organizations Act makes it against the law for credit repair companies to collect payment before services have been rendered. To make things worse, hidden in the website’s fine print is a disclaimer that states “an initial setup work fee will be charged within the first week or once initial work is completed.”
One other item we found missing was a discount for couples. It’s fairly standard for credit repair companies to give couples a break on fees when signing up since their reports share much of the same information. With USA Credit Repair, couples have to pay full price for two individual memberships.
The one silver lining is that USA Credit Repair’s initial consultation is free. Not every credit repair company does this. A free consultation is a good opportunity to ask the company hard questions about whether any items stand out on your report as potential errors. If the representative is unable to point to any legitimate mistakes, credit repair may not be necessary for you.
Remember that credit repair companies can’t work magic. If all the information on your credit report is accurate and there are no errors to dispute, you’ll only be able to improve your credit by keeping debt low and making consistent on-time payments.
The Competition: USA Credit Repair vs. CreditNerds
To see if USA Credit Repair was worth the $99 monthly fee, we compared it to CreditNerds, a competitor that offers free basic credit repair. Instead of collecting fees from its customers, CreditNerds makes money by referring clients to affiliate partners.
We were unable to find anything significant in USA Credit Repair’s service offering that wasn’t available through the free CreditNerds plan. If that wasn’t enough, CreditNerds provides some of the most advanced educational tools in the industry—also without charging a dime. CreditNerds gives USA Credit Repair a run for its money and is absolutely worth considering before you sign up for a paid plan.
|USA Credit Repair||CreditNerds|
|Services Offered||Credit repair||Credit repair, funding|
|Customer Service Touchpoints||Phone, email, client portal||Phone, email, client portal|
Overall, we aren’t impressed with USA Credit Repair’s limited services, especially given the company’s relatively high fee of $99 per month. Several competitors offer complete service packages at significantly lower prices, many of which take a more effective approach that includes credit education and long-term financial planning. Even if USA Credit Repair did provide better value, the company’s advertising practices and lack of transparency make us concerned that customers could easily be misled and fall into traps.
How We Review Credit Repair Companies
Since the credit repair industry is well-known for leading consumers astray, we take a highly critical approach to reviewing companies. Our scoring system analyzes quality of services and pricing, comparing them to industry standards and best practices. We look at each company’s marketing language and flag any misleading terminology. We also give higher scores to companies that provide educational materials to help customers achieve long-term financial success.
Learn more: Read our full Credit Repair Review Methodology here.
CreditRepair.com Credit Repair Review
One of the most well-known credit repair companies, CreditRepair.com has been helping consumers address credit disputes since the late 1990s. But just because a credit repair company has spent decades in business doesn’t mean it offers the best services. While CreditRepair.com has a competitive range of plans, there are also a few red flags you should know about before you decide to enroll in credit repair services.
- Offers a free credit evaluation: Get a free online credit snapshot that includes your credit score, a summary of the negative items on your report, and suggestions for how to address them.
- Choose from three service levels: CreditRepair.com offers options for basic, moderate, or aggressive credit repair based on your needs.
- Robust educational library: Even non-customers can take advantage of the free credit information, videos, and interactive calculators at CreditRepair.com.
- Mobile app available: Download the free CreditRepair.com mobile app to track your progress and get alerts.
- Option for in-house credit monitoring: Two of CreditRepair.com’s three service packages include ongoing credit monitoring and alerts.
- Poor customer reviews: CreditRepair.com gets consistently poor feedback across multiple review sources.
- Lacks full pricing transparency: Pricing isn’t disclosed up front on CreditRepair.com’s website, and you need to watch out for hidden fees.
- Limited monthly disputes: Depending on the plan you choose, you’ll only get 15 to 19 disputes per month.
- Not available in all locations: CreditRepair.com may be unable to offer services in your area of residence due to lack of local legal representation. Unfortunately, the company doesn’t disclose its service areas; you’ll have to enter your address to find out.
- No money-back guarantee: Many competitors offer a refund if they aren’t able to remove any items from your report, but CreditRepair.com doesn’t have a similar policy.
Types of Services
CreditRepair.com offers three service packages with tiered levels of service. These are designed with the idea that not all customers need the same level of support in repairing their credit; some may just have one or two errors to be corrected while others are in need of a complete overhaul. This allows customers to save money by not paying for services they aren’t likely to ever use.
The entry-level Direct Plan is the one most suited for individuals with an overall decent credit history, but who could benefit from correcting a small number of errors on their report. The plan comes with up to 15 disputes per month (five per credit bureau), a quarterly credit score update, and access to customer service as needed. However, CreditRepair.com will not dispute inaccurate hard inquiries on your report with this plan.
The next step up is the Standard Plan. This package includes the same number of monthly credit disputes and credit score checks, but adds a few features useful to those with more extensive credit repair needs. In addition to your quarterly credit score, you’ll also get a personalized analysis as to what has changed and what could still be improved. Ongoing credit monitoring is included with alerts sent anytime there is a significant change. CreditRepair.com will also dispute hard inquiries on your behalf.
If you have extremely poor credit and need improvements that go beyond disputing inaccurate information, the Advanced Plan may be more suited to your needs. The package includes roughly the same credit repair benefits as the Standard Plan, although you’ll get 19 disputes per month instead of 15. However, the plan also comes with $1 million in identity theft insurance and access to personal finance tracking tools to help you better manage your open credit accounts.
|Service||Direct Plan||Standard Plan||Advanced Plan|
|Monthly items disputed||19||15||15|
|Credit score checked||Monthly||Quarterly||Quarterly|
|Credit score analysis||Monthly||Quarterly|
|Hard inquiry disputes||√||√|
|Identity theft insurance||√|
|Credit account management tool||√|
Between CreditRepair.com’s three tailored plans, there isn’t much need for add-on services. With that said, the company does sell one optional extra that can be tacked onto any package.
If you’ve just discovered errors in your credit report while in the process of a major financial event (such as applying for a mortgage), you’re probably on a tight schedule to correct the issue. CreditRepair.com’s Quickstart service charges a small one-time fee to automatically retrieve your TransUnion credit report from partner site Credit.com and load it into their system. This can save a bit of time as CreditRepair.com won’t have to wait to start looking through your report.
Pay close attention as you’re completing the checkout process on CreditRepair.com. The company automatically checks the box selecting Quickstart, and unless you uncheck it, you’ll be charged an extra $14.99 for a service that you may not want or need.
CreditRepair.com’s main customer service touchpoints are via email and phone, the latter of which is operated Monday through Friday from 6:00 a.m. until 10:00 p.m. MST.
Customers can also download a mobile app for easier access to their account dashboard and credit score tracker. The app is available for both iOS and Android and gets generally positive reviews with at least four-star ratings in both app stores.
From an objective standpoint, CreditRepair.com’s services appear to offer good value with a broad range of services. Unfortunately, however, many customers seem to disagree. The company has a D rating from the Better Business Bureau, 62 complaints in the past three years, and a three-star average rating.
More worrisome is that CreditRepair.com has been the subject of 16 complaints with the Consumer Financial Protection Bureau in the past three years and was even sued by the agency in 2019. According to the lawsuit, CreditRepair.com and a competitor owned by the same holding company, Lexington Law, both violated telemarketing laws and charged illegal credit repair fees before any service had been rendered. This violates the Credit Repair Organizations Act, which states credit repair companies cannot collect payment before providing their services.
If you have a complaint about the services of a credit repair company, you can file a complaint with the FTC or call 877-FTC-HELP.
None of CreditRepair.com’s service plans are subject to contracts, meaning you can cancel anytime without penalty. According to the company, most customers need to pay membership fees for an average of six months to see results.
CreditRepair.com prices its services according to the table below, with fees ranging between $69.95 and $119.95 per month depending on the plan you choose. Those who select the Quickstart service will incur an additional one-time fee of $14.99.
|Direct Plan||Standard Plan||Advanced Plan|
To stay in compliance with the Credit Repair Organizations Act, CreditRepair.com calls its first month of membership fees a “first work fee”. This is because credit repair companies aren’t allowed to start charging monthly fees until they’ve already begun performing work. From a practical standpoint, this doesn’t change anything for the consumer, but it’s something to be aware of as you’re signing up for credit repair.
The Competition: CreditRepair.com vs. The Credit Pros
No two credit repair services are the same. To gauge how CreditRepair.com stacks up against the competition, we pitted it against The Credit Pros. Both companies charge similar monthly fees for their entry-level plans, although The Credit Pros’ most premium plan is pricier than CreditRepair.com’s most expensive option. The Credit Pros also charges a significant upfront fee whereas CreditRepair.com has none.
While The Credit Pros is higher in price, we find the difference justified. All packages include credit monitoring and identity theft protection, items CreditRepair.com only offers with higher-tier plans. The Credit Pros will also submit unlimited disputes on your behalf, while CreditRepair.com places a cap on the number of disputes per month at each of its service levels. Finally, The Credit Pros offers financial management tools to all of its credit repair customers that CreditRepair.com doesn’t match. These include bill payment reminders, a budgeting system, and automatic syncing with your open accounts.
|CreditRepair.com||The Credit Pros|
|Services Offered||Credit repair, monitoring, identity theft protection||Credit repair, monitoring, identity theft protection, financial planning|
|Customer Service Touchpoints||Phone, email, mobile app||Phone, email, client portal|
|Upfront Fee||$0||$119.00 to $149.00|
|Monthly Fee||$69.95 to $119.95||$69.00 to $149.00|
Looking at CreditRepair.com’s plans and services, they seem to provide much better value than competitors, especially considering the inclusion of credit monitoring and identity theft protection with premium packages. However, we’re highly concerned with the volume of customer complaints and CreditRepair.com’s history of facing legislation from the Consumer Financial Protection Bureau. It’s best to proceed with caution with this company.
How We Review Credit Repair Companies
We assess a variety of factors to review credit repair companies, using a quantitative scoring system to assign each a total score out of five possible points. Our method looks at the services offered by each company, including the number and variety of plans available and their value in terms of pricing. We also look at each company’s reputation among customers and with third-party agencies such as the Consumer Financial Protection Bureau. Finally, we walk through the customer purchasing experience to see what you can expect if you decide to enroll in credit monitoring services.
Learn more: Read our full Credit Repair Review Methodology here.
ADR Financial Group makes its name as one of The Best Credit Repair Companies in the USA
Your credit score plays a vital role when it comes to buying a car, purchasing a home or obtaining a loan for any other purpose like starting a business. In cases where you have a lower credit score, these purchases may become unrealistic and impossible to achieve. It may result in having to pay higher interest rates or putting down a large down payment. Having negative marks on your credit report will hamper your creditworthiness which is why it is important to stay on top of your finances.
Within a short period of time, ADR Financial Group quickly raised to the top as one of the best credit repair companies in the United States. Founded by Alexis (“Lex”) DeWitt and Ratiq (“Rocky”) DeWitt, ADR Financial Group is based in Charlotte, North Carolina. ADR Financial Group is dedicatedly assisting their its clients with the removal of inaccurate, erroneous, and unverifiable accounts on their credit report. With a mission to deliver a clean credit profile to its their clients, ADR Financial Group also educates their clients on how to achieve the highest credit scores during restoration.
ADR Financial Group is not your typically credit repair company. What separates ADR apart from all, is the fact that their program is personalized to fit their client needs, rather than providing a generic procedure for all. Although credit is an important aspect of life it is not taught in schools or institutions. This is the sole reason behind the establishment of ADR Financial Group. Over the years, ADR helped many of their clients reach their financial goals . Till date, ADR has helped more than 700 families purchase their dream home, removed more than $17 million of debt from credit reports and deleted over 72,000 negative accounts.
Some of the services offered by the company are Full-Service Credit repair, DIY Credit Repair, Tradelines, Credit Education, Business Credit and Credit Monitoring. Moreover, ADR also teaches other entrepreneurs how to start their own credit repair company to help change lives. Check out their website www.badcreditcostmore.com if you’re interested in their services.
In the next 5 years, the company plans to be a pioneer for all those who find difficulty in purchasing their homes. ADRs target is to help 5000 families in building a home of their dreams. Besides this, ADR plans to make financial literacy a topic of discussion in many schools and households. ADR is making a significant impact in urban
(Syndicated press content)
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