Best Credit Strategy and Coaching
Improve Financial Future With Us
Leading in Credit Strategy and Coaching services since 2007.
PREMIUM SERVICES
You Deserve Better Credit.
Credit Restoration
While we are not a credit repair company, we do provide restoration services as needed with a paid coaching membership. On accounts that need to be challenged, we will issue those for you with the credit bureaus and report their findings back to you on a regular basis.
Credit Audit
Get a comprehensive analysis of your entire 3 bureau credit report with a custom action plan.
Credit Coaching
Customized coaching gives you actionable, prioritized steps to work on each month to get your scores moving up.
Credit Education
Find out how to get your scores moving up consistently and how to use your credit to keep the scores from fluctuating up and down.
ABOUT US
We believe in quality credit restoration.
Rated A+ with the Better Business Bureau, we have the highest possible ranking in the industry.
Credit Restoration
We help narrow down your debts to see exactly what you legally owe, saving you time and money.
Credit Consulting
We help you prioritize your debts to see exactly what you should be working on each month.
HOW WE WORK
How Our Credit Restoration Works
Review Credit Reports
We will pull up your free credit reports and do a full audit of your credit to see what you need.
Work With Your Lender and/or Realtor
If you are preparing for financing, making sure you have a team working together on your behalf is paramount. We will work with your lender and realtor to keep everyone on the same page.
Full Credit Evaluation
Once you get started you will receive a full credit evaluation outlining what we will be doing for you as well as what you should be working on.
Credit Coaching
Getting negative items removed from the credit report is helpful, but will not guarantee a good credit score. Learning how to build good credit is what guarantees a good score. We step you through exactly what to do to get your scores moving up.
Challenges With The Credit Bureaus
This is on an as-needed basis with a paid coaching membership.
Watch The Progress
As we dispute, and you complete the items we give you to do, you will see your credit scores start climbing! Watching the forward progress is the best part of the process!
Imagine a life with better credit and more options
PREMIUM SERVICES
Learn how we can help you
Credit Audit
Credit Restoration
Credit Coaching
FAQ
Have Questions?
What Makes Credit Dusters Different From Other Credit Repair Companies?
First of all, we are NOT a credit repair business. We are a credit coaching company. We do provide free repair services if needed with a paid coaching subscription. If you are shopping around for help with improving your credit, there are a few things you need to be aware of:
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- You want to hire a company that prioritizes coaching FIRST. While it sounds nice to think that you can hire a company to wave a wand and magically make your bad debts disappear, the truth is more complicated than that. There are extensive consumer laws in place that determine what debts are allowed to report and which ones aren’t. As a consumer, it is lawful to go through a process of determining if a debt is valid. If it is not, the debt will be removed. If it is valid, the debt will remain on the credit report for up to 7 years from the date of last activity on the account. Knowing how to build positive credit and prioritize what you need to work on is of highest importance to improving your credit rating.
- You want to hire a company that is focused on helping you achieve your credit goals. Credit repair companies only focus on deletions of negative items, but deletions don’t guarantee a good credit score! We find out what goals you are working toward, whether that be purchasing a vehicle, a home, building business credit, expanding your credit card limits so you have more spending room, etc., and step you through how to achieve those goals! We are goal and achievement-oriented.
- You want to hire a company that works as a team to help you achieve the goals you set. Are you working with a lender, banker or a realtor to make your financial purchases? We will work hand in hand with them to make sure you are able to finance when you are ready. We will keep your lender/banker/realtor updated on your progress with your permission, and notify them when you are ready to get pre-approved for financing.
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How Do You Access My Credit Reports?
When we contact you for your free consultation, we will ask you to provide your login credentials to pull up your Credit Karma account and go over the report with you. Please have this information ready for your consult call (and if you are having trouble logging in, don’t worry! We’ll help you troubleshoot).
We include a 3-bureau report and scores with your membership. Upon enrollment we will register you for this service. Pulling these reports do not hurt your scores or cost you any extra fees.
Do I Need To Do The Free Credit Score Consult?
It is not required that you do the free consult. If you know you want to get started, just sign up and we’ll still send you a full initial credit evaluation which will outline everything you need to know about why your credit scores are low, what we will be working on for you, and what you need to start working on.
The free consult is designed to show you exactly what is keeping your credit scores low and what we recommend you start working on. We will give you an estimated time frame on how long it will take to get you to your goal scores and a road map for moving forward, based on your unique situation. You will find amazing benefit in completing the free consult!
How Long Does The Free Credit Score Consult Take?
Plan on 20 minutes for us to go over your credit report with you and see what you need. If you are a couple, plan on 40 minutes.
Is My Personal Information Protected?
We take safety and privacy very seriously. Your information will never be shared outside our organization without your verbal permission.
Examples of times you might give permission for information to shared are: 1) if you have a partner you want us to keep updated on your progress, 2) if you are working with a lender and/or realtor that you want updated on your progress, 3) if we are working with an outside attorney on litigation against the credit bureaus
Are There Any Additional Fees To Pay Besides The Monthly Membership Fee?
The only fee you will pay associated with our services is the monthly membership fee. We may recommend you pay off debts, but we will not ask for any money directly other than the monthly membership fee.
Do I Have To Sign A Contract To Work With Credit Dusters?
No, we do not require contracts. We are a membership-based service, which means you work with us on a monthly basis and can cancel anytime for any reason. We do require a signed agreement which states you allow me to work with you on your credit and that you can cancel anytime with no penalty.
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