Focused on Results: Your Credit Solution
Empower Your Financial Future!
- Have you recently been denied a credit card?
- Are you dreaming about purchasing a new home or car soon?
- Looking for better employment?
If bad credit is standing in your way, allow us to help you learn how to improve your credit and get you on the road to living your very best life!
Credit Repair Simplified
Restoring your credit can be confusing for many people. Our goal is to make sure that every customer knows exactly what is going on.
Step 1: Free Credit Consultation
This includes pulling all 3 credit reports AND credit scores from a credit monitoring service. We take a detailed look at your credit to find all of the inaccurate and negative items that are hurting your credit score.
Step 2: Dispute Strategy
We will contact each credit bureau individually and demand that they verify each and every negative item that is being disputed as accurate. If they can’t prove it, they must remove it. By law, credit bureaus have 30 days to investigate! We will also address new negative items if and when they appear n your credit report.
Step 3: Rebuild & Manage
We will continue to address any new credit issues as they appear on your credit report. We will assist you with rebuilding your credit scores by offering credit education and recommending new lines of credit to keep your credit moving in the right direction!
DID YOU KNOW?
80 % OF ALL CREDIT REPORTS CONTAIN ERRORS
That means that tens of millions of Americans have errors in their credit reports. Fortunately, this does not have to be the case. With a little help and knowledge of the law, any error can be corrected. You can work to clean up your credit report by checking your credit report periodically for inaccuracies and disputing those errors.
Here are a few reasons your credit scores are different
Have you ever noticed your credit scores are different on certain websites. This is perfectly normal. There is a reason your credit scores look slightly different depending on where you check:
- Your credit score is calculated using different scoring models
- There are many different versions of credit score models - at least a hundred
- Many lenders do not report to all three credit bureaus
- Credit scores are updated very frequently. Some sites update on a weekly basis while some may only update monthly or even longer
what a low credit score could cost you
Negative marks on your credit report can severely drag down your score and stop you from achieving life goals such as buying a house and financing a car. It can even stop you from being approved for a credit card, renting an apartment or even qualifying for employment! If you are approved for a car or home loan, a low credit score will earn you a high interest rate and you will end up paying thousand or even tens of thousands in just interest.
WHY A1 360 CREDIT AND FINANCES?
We are a trusted 5 star credit repair company who knows how to use the law to fight for the success of our clients. We have been successful in removing thousands of inaccurate and negative items from our clients credit report. We are so confident in our skills and knowledge that we offer a money back guarantee if our client does not have results (credit increase or any negative deletions) in 90 days after following all program rules. Our clients can feel safe and secure knowing that their credit is the absolute best hands!
WHY WE NO LONGER SIGN UP CLIENTS OVER THE PHONE?
Of course, clients who are already enrolled can speak with a credit consultant by phone anytime. But due to some major changes to credit repair laws, we don’t speak to prospective clients on the phone for two main reasons:
- FIRST, federal regulations has severely restricted the sale of credit repair services over the phone. This law is now in full effect. There are some credit repair companies out there who choose to break the law, but we don’t.
- SECOND, we’ve given away hundreds of free credit assessments online. If we spoke with each one individually, we wouldn’t be able to provide free consultations. It would be way too time-consuming. Saving the phone lines for those who become clients benefits everyone: It allows us to provide useful credit repair education to people who don’t sign up, and it keeps fees low for those who do.