1400 East Cooley Drive Colton, CA 92324

How It Works

Step 1: Analysis

Going through your credit report line by line, either by yourself or with the aid of a professional, is known as a credit report analysis. You’ll know where you stand financially, what accounts assist or damage your score, and any discrepancies we may wish to address on your behalf after reviewing your credit report. How you envision your credit score will affect the steps you take to raise it. It will guide your judgment on which sections of the report require revision, which may be left unchanged, and which should be supplemented.


Step 2: Dispute

Unless there are reasonable grounds to suspect fraud, consumers have the right to have credit bureaus investigate their complaints, forward any supporting documents to the service provider, and summarize their findings. The most common cause of inaccurate credit reports is companies’ failure to provide pertinent information to the bureaus that collect and analyze them. If an error, such as an un-updated resolved accounts account, appears on one of your credit reports, it is highly likely that the same error also appears in your files with the other credit agencies.

Step 3: We will settle your debts (Pennies on the Dollar)

Before giving financial advices, our financial consultants will examine your circumstance. Your financial adviser may recommend a debt settlement management plan for “unsecured” debts including credit cards, school loans, and medical expenses.Our credit counselor may only offer debt management advice.

  • Our counselor will work with you and your creditors to create a repayment arrangement. If your debtors agree, you might be able to bargain a decrease in their interest and other costs or perhaps a complete waiver of them.
  • With your creditors, we would work up recurring payment schedules and transmit payments on your behalf.
  • Your contributions will be applied by our financial adviser in line with the provisions of the payment plan to your unsecured debts, such as credit card bills, medical expenses, and school loans.

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