We Work With All Three Credit Bureaus To Increase Your Credit Score.
Boss Credit offers various credit services that are all customized for your needs and credit profile. It is our goal to make sure you are gaining knowledge through the process, with the right education , information and resources towards your credit & financial journey.
Boss Credit values continued growth, which is why we constantly set new goals for ourselves. We are deeply passionate about providing results for our clients and proudly back our services
How it works
Initially, you will go through a consultation that would enable our credit specialists to analyze your credit file. We will have an in-depth conversation regarding your scores, credit history, risk factors, and the items that are hurting your scores.
Get Your Free Consultation And Credit Analysis
Credit Repair Services
- Unlimited Disputes/challenges
- Credit report Analysis
- Three bureau reports and scores
- Access to credit-building products
- Free and paid programs
- We challenge the bureaus for you
- Transunion alerts
- Score boost
- Score builder
- Score tracker
- Monthly progress reports
- Email & Chat support
- Deletions: $30 per collection/lates/chargeoff per bureau
- $10 per inquiry
- $100 per reposession per bureau
- $250 per Bankruptcies per bureau
- Name and addresses & updates FREE
- Everything in Prosper
- Unlimited disputes/challenges to the main credit bureaus
- Lexis Nexis challenges and disputes
- Advance Factual & Metro 2 disputes
- Creditor disputes
- Access to Consumer protection attorneys
- Credit bureau disputes
- Creditor disputes
- Cease & Desease letter
- Credit bureau back door disputing
Our 90 Day Money Back Guarantee
We understand that you have placed your trust in us and we take that responsibility seriously. If we fail to get any of your questionable items deleted or updated on your credit report within 90 days of enrollment, you are entitled to a full refund of any sums paid to us.
- That you can cancel your service at any time
- That no one will over-promise or guarantee a specific outcome
- That your private information will be protected and secure
- That you will be treated professionally and courteously
- That all of your requests will be responded to in a timely manner
Good service and good results, follow the process and results will come in a few months, faster than others, just got my new Toyota with low interest rate
Fast results. Great service. Definitely recommend. Really took the time to answer questions and concerns.
Best in town, instantly made my credit score rise within the first day of meeting with him. I highly recommend letting him fix your credit.
Credit Repair FAQ’s
How Long does the process take and when can I expect to see results ?
We cannot promise you a specific timeline, nor can I guarantee you results. If you work closely with me to follow credit best practices, we can ensure that you can achieve your credit goals. On average, it takes a minimum of 6 months to 1 year to reach your credit goals. Legitimate credit repair is not an overnight fix. It’s a PROCESS that takes time to do properly. Credit restoration requires TEAMwork (TEAM = Together Everyone Achieves More). Please follow the exclusive advice we give you to make this a smooth and successful process. Everyone’s situation is unique, and some graduate sooner than others. The important thing is making sure that your credit is repaired the right way so that you have a solid financial foundation for the future.
What is my credit score based on ?
35%—both timely and untimely payments. 30%—The amounts and types of outstanding debt. 15%—The time since an account has been opened. 10%—Number of recently opened accounts and recent inquiries. 10%—Number and types of accounts such as credit cards, retail, etc.
What is Financial Literacy?
Financial Literacy is providing clients with information that will increase their knowledge of the beneficial factors that are received when debt management, budget planning, cash flow management and credit utilization is revealed.
Should I stay enrolled in your monitoring service?
Yes, a 3 in 1 credit monitoring service is mandatory while you are enrolled in the program. We need access to your credit report at all times to track the progress. Without an active monitoring service, we cannot assist you.
How does credit repair work?
Credit repair works by allowing a credit specialist to analyze your credit file and identify any inaccuracies or items that are erroneous reporting on your report. We work by using the law to dispute these items while exercising your consumer rights
How long does it take?
This depends on what is reporting on your credit report and the plan of action we develop specific to each client. Everyone’s situation is unique. The Duration of our program depends on the number of items on your report that need to be worked on, it can possibly take anywhere between 6 to 12 months. Once you sign up we will review your credit report and give you a better assessment of your time frame. Please keep in mind the Credit bureaus take 30-45 to respond and send back results and updates.
Is credit repair legal?
Of Course! You have a right to a fair, accurate, and substantiated credit profile. Credit repair is completely legal in 50 States. Under the Fair Credit Reporting Act, you have the right to challenge anything you believe is not reporting correctly within your credit file. There’s also a federal law that outlines how we, credit repair companies, can provide services to consumers.
Can I repair my credit on my own?
You can do your own credit repair, but it can be labor intensive and time consuming. Restoring your own credit is like changing your own car oil, fixing your own car or representing yourself in court; it is possible, but you have to be willing to invest the time to learn the processes. But, it can be done – there are no rules of any kind against it. Think of it this way, skilled Credit Professionals start working on your credit Day 1 and get your results from a proven legal method as opposed to a consumer having to devote lots of time to simply begin to learn the entire process while doing all the follow up tedious work. But we do offer DIY options for those who are open to giving it a try on their own.
What impact does a negative credit score have on a customer?
A poor credit score is when a client has a numerical value of 350s to the 600s. A negative credit score can prohibit a customer from obtaining employment, purchase of a car, purchase of a home, obtaining a business line of credit or loan, obtaining personal loans, and not obtaining credit cards.
What happens to accounts when they are removed?
Removing anything from your credit reports does not remove your obligation to that debt. You still are legally liable for the debt and need to settle it if it is within the statute of limitations in your state. If you feel you are over your head with debt, bankruptcy might be something you should consider, that is the only legal way to remove yourself from debt liability.
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