CREDIT IMPROVEMENT SERVICES
At Boe Credit Consulting, we understand that each client's case is different. That is why we offer services that can be customized to your individual credit repair needs. Our Standard Services feature the basic services we provide for every client. We also offer Advanced Services for items that may be more complex or require more in-depth work.
During our FREE credit analysis and consultation, we perform a cursory review of your consumer reports, provided by you, and learn a little more about you, your circumstances, and your goals. We will provide you with our assessment of your credit situation, noting possible errors and/or reporting violations that we see on your consumer reports. We will offer advice regarding what can be done to improve your credit situation. We can also let you know what services we can provide in order to help you achieve your goals.
After having been a victim of identity theft, we will complete all of the necessary forms needed to notify creditors and credit reporting agencies of the theft. We will submit the applicable forms to the respective agencies and follow up with them to ensure compliance with identity theft consumer protection laws. When necessary, we will forward your case on to one of the lawyers in our network to evaluate your case, free of charge, for any possible violations and potential legal action.
Understanding how credit works, how to use it, and how to improve your score gives you more control of your financial future. As a companion to our credit improvement services, we provide credit-related educational information and tools intended to help you maintain and build upon your improved credit rating. Our educational materials are provided via the content displayed on our blog and web pages, social media posts, and exclusive email articles.
We offer advanced credit improvement services for items that are typically more complex and/or require more in-depth work to dispute properly. Advanced services are optional and available for an additional one-time fee for the items listed below:
Specialized items include:
- Student Loans
- Short Sales
- Child Support
- and more
Public record items include:
- Civil Judgments
- Tax Liens
Our standard credit improvement process begins with a forensic audit of your Equifax, Experian, and TransUnion consumer reports. We will review these consumer reports for reporting compliance, timeliness, obsolescence, accuracy, completeness and various other factors that may be negatively impacting your credit rating.
We will present you with our findings as well as an individualized strategic plan to address those issues. Our strategy will include communicating directly with consumer reporting agencies and creditors to challenge the harmful information contained in your consumer reports in order to remove or improve the information in our effort to improve your credit rating.
We are also qualified to identify potential violations of consumer protection laws; violations of these laws give you the right to take legal action. When we spot these violations, we will forward your case on to one of the lawyers in our network to evaluate your case, free of charge, for potential legal action.
Standard services are available for the select items listed below:
Standard items include:
- Personal Information
- Unauthorized Inquiries
As a companion to our credit improvement and credit education services; we provide resources that will help build your credit rating fast by adding strong and positive credit history to your credit file. The resources we offer all work with credit challenged consumers, so you do not need to be concerned with being turned down by these companies. Click here to find those resources.
Offered for an additional one-time fee per service; available for select dispute items.
Cash settlements for violations
Review & dispute items from consumer reports published by Specialty Consumer Reporting Agency - LexisNexis
Review & dispute items from consumer reports published by Specialty Consumer Reporting Agency - Other than LexisNexis
- Late Payments
- Medical Bills
- Identity Theft Items
- and more
Boe Credit Consulting guarantees the Service we provide to you for up to two (2) years from the date our Services end.
You are entitled to receive (a) free Services or, (b) a refund of applicable Service fees, if, as a result of our Services:
• An item on your consumer report was deleted or updated to a positive status, at the discretion of the respective consumer reporting agency or data furnisher,
• The deleted item reappears on your consumer report in its original state, provided that the item is being reported by the same data furnisher, with the same account number, same adverse information, and on the same consumer report as it was prior to being disputed by BCC,
• The updated to positive item reverts to the original reporting state, provided that the item is being reported by the same data furnisher, with the same account number, same adverse information, and on the same consumer report as it was prior to being disputed by BCC,
• You inform BCC of the adverse change to your consumer reports no later than the 730th day (two years) from the date BCC services ended,
• You, yourself or via third-party, have not disputed the affected item during the time your BCC Agreement ended and the date you notified BCC of the change to your consumer reports,
• Your account with BCC is current or closed in good standing,
• This agreement has not terminated early for breach of contract.
NOTE: Free Services or refunds will be provided at BCC’s discretion and are limited to the affected item(s) covered under this guarantee.
Boe Credit Consulting cannot guarantee a specific outcome or result as it relates to the improvement of your consumer reports and/or scores. BCC can only provide a guarantee for the services provided in the effort to improve your consumer reports and/or scores.