A Division of
Springs Financial Services, Inc.
ONLY $299.00 AND $50.00
PER MONTH
Springs Financial Services, Inc.
welcomes our newest division of our company, Springs Credit
Restoration Services. The division is operated by our in house
credit specialist that has all of the techniques to get your
credit reports restored. This division has been formed to help
anyone that is seeking assistance getting negative items
removed legally from the three national credit reporting
agencies, Equifax, Experian (Formerly TRW) and TransUnion.
What Makes Your Company Different Than Others?
The answer is easy. We are not a
company that takes care of 50,000 customers with credit
restoration needs in a day like most other companies out
there. What this means to you is special attention to each
client that is signed up for the service. We give each file
individual attention which makes the process a lot smoother.
Other companies don't tell you but they will take up to 2-3
years to fix simple credit problems just to keep the monthly
cost going. We don't do that because we know people are
obtaining this service because they either need a loan, car,
mortgage, equipment lease or whatever the need may be and not
three years down the road, they need something soon.
Credit
Bureau Agencies & Who They Are?
There are three
different agencies that are mainly used today and those
companies are Equifax, Experian, & Transunion. These
agencies are NOT government owned and operated like
most people think. All of these agencies are companies that
are simply making money off of your credit reports and the
information in your report. In most cases, one of these
companies will report you as an A credit customer on file, and
other agencies will report you as a low scoring customer. The
reasoning behind this is that agency has not updated your
report or validated the information there. Each lender
purchases a copy of your credit file in order to make a
lending decision. Do not think that paying off an old account
that has or had a negative history will improve your credit
because it doesn't. The past 24 months of late pays you made
will stay on your reports for seven years. Each late pay
affects your credit score. Trust me on this, I know from
experience.
Is
This Service A Scam Like I Hear All The Time?
There are many
websites out there that say this service is a scam and it's
not. We back this service up with a money back guarantee if
you do not see results from the work that we do. There are
some companies out there that you need to be aware of however.
If you find a company that wants to charge
you $1,000 per item on your report, yes, then be careful
because their are some out there. The cost that we charge is
simply laid out, $299.00 setup fee which takes care of a lot
of the up front cost that we are faced with to pay out in
getting your file setup, pulling your three credit reports,
analyzing your three reports to find out which accounts are
priority and need the most attention to start off with and to
begin drawing up the legal letters. Remember, the setup fee is
due when you sign up, but the monthly fee doesn't begin until
the following month.
Why
Have I Been Told That I Can Do This Myself?
Of course you can
do this yourself, do we recommend it? Absolutely not unless you
know the tactics to get the job done. We tried it ourselves a long
time ago and thought the process was as simple as sending the
credit bureaus a letter saying this is not true, delete it!
Well it doesn't work like that unfortunately. Most people do
not realize that when you send the credit bureaus a letter of
dispute, it never gets to the right person. Why? Because they
have their own screening process and each bureau has a person
that reads each dispute that comes in. If the dispute doesn't
meet the needs, they will simply send you a letter back in the
mail saying, "Yeah we verified the information, and it's
yours" Well, that isn't what we want to hear. The letters have
to be formed a certain way to to the "T" in order to force
these three companies to investigate the information. Over the
years, our company has learned the tips and tricks to get them to
investigate and we would like to use this very same knowledge
to get your reports back to the way they should be. Do not let
these companies provide misleading information any longer.
What The Program Does & Why They Do It
Dispute all negative items
on your credit reports that are identified as being
inaccurate, misleading, or unverifiable.
Work through each of your
credit reports to resolve all disputes to your satisfaction.
Operate within the legal
framework of the F.C.R.A (Fair Credit Reporting ACT), and
pursue your rights under federal law to dispute information
on your credit reports to the fullest extent possible.
The service is designed to
offer consumers an affordable and equitable recourse to
increasingly negligent and abusive practice of the credit
bureaus and their credit processes.
What You
Get With The Program
-
Hand-crafted Dispute
Letters - Unlike some companies that perform this service,
we revise our letters to ensure that all disputed
letters will bypass the credit bureaus’ screening process.
-
Unlimited disputes and
deletions - No matter how many negative items we dispute and
delete from your credit reports, you only have one monthly
fee.
The letters are drawn up with our legal techniques, but we
send then off on your behalf in your name. The credit
bureaus never know the letters are coming from someone else.
You will receive responses directly in your mailbox from the
bureaus, take a look at them and when your done, place them
in an envelope and mail them to our office so that we log
the status and where we go from their. Each document that
you receive from the bureaus are important, please make sure
you mail us all correspondence that you receive.
Program
Costs
-
There
will be a one time fee payable to Springs Financial Services
OF $299.00
per individual & for joint (ie. husband and wife accounts),
$499.00 is the cost at a discounted rate. This fee includes: providing you will all
three credit reports “Experian, Equifax, and Transunion” and all
account setup fees. We
will fax a copy of your reports to you upon specific
request.
$50.00
per month no matter how many items are being disputed per
person. The monthly cost is for the work done on a month to
month basis. Please remember, we have to mail out these
letters month to month with certified postage and return
receipts; that's our proof that the credit bureaus got the
letters.
Want To Cancel?
At anytime if you feel that your credit reports are good
enough and you don't want to continue the service, give us a
call or send us an email from our contact us page and we will
cancel out your monthly retainer fee and you will be all set.
No questions asked, no gimmicks or hidden fine print, just a
simple phone call and your all set. If you decide to come back
at a later time or if something else appears on your reports,
come back for only the monthly cost, you wont have to pay
another setup fee. The setup fee is valid for a lifetime!
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