building credit

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To get started with repairing your credit, you can confirm the best time and date to speak with one of our Credit Specialists.  After you provide authorization for us to access to your credit through our partner services SmartCredit we can provide you with your free analysis that includes your Tri-Merge Credit Report with the same scores seen by Credit Card issuers, Auto lenders, Auto Insurance, Mortgage Companies and Hiring companies checking your background.  A credit specialist will go over your results and determine a plan of action for you to help you reach your desired goals.

Credit Monitoring – The monthly costs for credit monitoring is $29.99 per month.  This cost is included in all packages  or can be maintained separately.  This includes a ScoreTracker, PrivacyMaster, $1 Million Dollar in Fraud Insurance , Money Manager plus 24/7 Credit Monitoring to catch any mistakes,  fraudulent or suspicious activity on your credit report by receiving SMS  & Email alerts for changes to your credit report and score.  This will be an important tool to continue using after you've restored your credit to maintain and protect your credit scores.

Analysis – You will receive an in depth report that reviews the 5 C's of credit, Capacity, Capital, Collateral, Covenants and Character that provides a useful framework for evaluating credit risk and is used by the various credit agencies to determine your credit worthiness.  It will help you to identify and reduce your level of risk. 

Credit Program – We offer a 3, 6 or 9 month program that will repair and balance your credit profile while learning the tools to improve and maintain your credit profile.  Once you have completed from this program you are on your way to exemplary credit! Credit monitoring must remain active to continue in this program.  For our mortgage application clients the 3 month program starts at $300 and the  $149 setup fee to get started is waived.

Credit Builder – We will help you build and restructure your credit profile with the types of accounts needed to obtain the scores and credit necessary for exemplary credit. Credit monitoring must remain active to continue in this program.

Business Credit – We will help you set up your business profile and apply for the necessary accounts that will get you to a 80 paydex score required to apply for business credit cards.  Program fee is $699