CREDIT RESTORATION

Let's Improve Your Credit Score!

The Credit Dispute Process

 

We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score. We also challenge items on your credit report that are inaccurate. This includes accounts that don't actually belong to you, duplicate accounts, accounts as a result of identity theft, unauthorized inquiries, and even information beyond the statute of limitations that should no longer be included on your credit report.

 

The Client Journey

 

See all of your important client information on a single page! Track progress, see latest actions, billing and most recent messages. Our clients can upload all required documentation in just 6 easy steps, with the ability to digitally sign the Client Agreement. 

 

Re-Gain Control of Your Credit TODAY!

 

We’ll help you maximize your score so you can achieve your goals and learn how to maintain your awesome credit long after our work is done.​ We have no up-front costs, contracts or commitments. Simply pay $179 for our document processing fee and your first monthly fee of $59 is billed 30 days later! We can also work on an Unlimited number of items in your credit file. We have a proven track record of helping clients to raise credit scores quickly and effectively to give you better purchasing power through our credit builder programs!

Credit Disputes

Credit Monitoring

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All Credit Repair Services are conducted through our sister company Credit Logic, Inc. a non-profit 501(c)(3) organization.

Attention GA Residents: Credit repair companies are banned in Georgia, with certain exceptions.  See O.C.G.A 16-9-59.  In fact, Georgia makes it a misdemeanor to operate as a credit repair company or to even be affiliated with one.  The only exceptions to this law is if the credit repair company operates as a non profit under Chapter 501(c)(3) of the IRS Tax Code.  Still, if a Credit Repair Company meets one of the exceptions and legally operates in GA, you should know that consumers in all states are protected by the Credit Repair Organizations Act (CROA).

In addition to these federal regulations, credit repair companies that operate in Georgia must comply with the Georgia Fair Business Practices Act (GFBPA). This means that they may NOT:

  • Offer to remove information from your credit reports that is negative but accurate.

  • Create a new credit identity for you with an Employer Identification Number (EIN). These types of numbers are meant for business use only. Also, creating a new credit file for a consumer with an EIN is called “file segregation,” and this practice is illegal.

  • Tell you to stop making payments to your creditors.

  • Direct you to ignore the IRS, letters from collection agencies or any legal document that you receive.

© 2018 by Opulence, Inc. 

TEL: 404-974-7400

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