Credit Services: We work to remove outdated, misleading, unverifiable, and incorrect items under the guidlines of the Fair Credit Reporting Act.
NOTE: Clark and Associates does not provide credit repair directly but will recommend clients to organizations that does.
Gold Credit Enhancement Service
We will work to imprve all 3 credit bureau reports within 35 to 60 days
Remove collections
Remove late payments
Remove public records
Remove mortgage late
Remove vehicle late
Remove inquiries
Remove bankruptcy
Remove tax liens
Remove judgments
Remove repossessions
Potentially boost credit score from 100 to 200 points
Register with a credit monitoring system is required.
Signed and dated funding agreement.
Copy of Driver License, Utility Bill, and Social Security Card
This program is designed for people out there who are looking to improve their credit reports by removing outdatd, incorrect, and misleading information under the standards of the Fair Credit Reporting Act. We work hard to correct your incorrect credit profile on all 3 credit bureaus.
Turnaround Time: 30 to 60 Days Maintenance for 6 months.
Note: not responsible for items re-appearing back on credit reports that are still open and reporting negative. Clients are advised to pay off all debts through settlement or debt negotiation if they want to ensure no re-posting. Once clients obtain a high credit score, they are advised to enroll in one of our personal loan program to generate cash. Once clients gets funding, they can use some of the funding to pay off open accounts or collections that may be sold in the future to other collection agency and re-reported.
PIC Program
Credit Extreme will help clients to clean their credit reports within 6 to 12 months and improve their credit score within 60 to 120 days only if the report is found to contain inaccurate information. This powerful service offers credit repair facilitated by our credit attorneys. Extreme is our best credit program that utilizes the combination of professional credit attorneys. Items that are included in the initial set-up include: copy of credit report, itemized break down of credit report to review with client, monthly payment schedule for work to be performed, review of report, and counseling.
One time non-refundable set up fee of $399 followed by a monthly charge based on review of credit reports done by attorneys. Each item assesses a fee that is determined by the severity of the negative item reporting (i.e. late pays, inquiries, collections are $50/repos, judgments; tax liens, etc are $150.00). The $399 includes the set up charge and counseling that will be provided to the clients for financial services. If client enters payment plan there is an additional $100 added to the cost.
Basic Credit Enhancement Program
Pay Only After the Work Has Been Completed! Clark and Associates will show you how to legally and effectively use dispute letters to remove negative information from your credit report. What you need to realize is that credit dispute letters are one of the many techniques used to enhance and rebuild your credit. Our team of professionals will help you construct effective dispute letters to enhance your credit.
Collection accounts
Late Payments
Repossessions
Bankruptcies
Foreclosures
And many more types of negative information!
Not only will you discover proven methods to remove incorrect information from your credit history, but even more importantly, you will learn how to establish and build new, positive credit – even if you currently have no credit history by offering our clients a line of credit when ordering merchandise.
Cost: You pay a $499 set-up fee only after the file is set up. This is necessary for C&A to effectively evaluate your situation and prepare a comprehensive action plan. The comprehensive action plan includes but is not limited to: preparation of dispute letters and consultations (email, telephone, or by scheduled appointments only).
Once you receive updates in the mail on each of your credit reports; each credit report is assessed a cost: $25 per deleted item per credit report. You pay for items that are removed off your credit report after the work has been completed! If you’ve ever signed up for a credit repair program in the past with little or no results, this is the program for you.
FDI Program
Preferred Membership
$129.95 Enrollment Fee & $59.95 a Month Payment Plan
EquityTRAX provides FDI’s members with their personalized millionaire plan! The irony of the EquityTRAX Plan is that we use your DEBT to put you in the position to CREATE WEALTH. That’s right! Your Mortgage, Car Loans, Medical Bills, Student Loans, and Credit Cards can make you rich! Actually, ELIMINATING your Mortgage, Car Loans, Medical Bills, Student Loans, and Credit Cards can make you WEALTHY!
Credit Restoration
Debt Settlement
Student Loan Re-Financing
Credit Rebuilding
Identity Theft Correction
Unlimited Financial Consultation
Automated Recordkeeping
MoneyTRAX Financial Library
Educational Conference Calls
ACCESS to a team of Financial Educators teaching the most powerful ways to create wealth: Real Estate — Learn to acquire properties with little or no money down with little or no credit. Cash flow – Potentially increase your Cash flow by $1000 per month! Owning your own home-based business. Learn how to take advantage of the benefits of owning your own home-based business.
First Class Membership
$199.95 Enrollment Fee & $129.95/Month
You get everything above including as well as Membership: Plus Everything Below! First Class Universal Benefits With the First Class Universal Benefits Card you'll receive significant savings for you and your dependents on great services such as: Vision Care, Prescription Drugs, Dental Care, Hearing Aids, Family Legal Services, First Class Travel, Monitronics Alarm System, Diabetic Supplies,
First Class Rewards Your First Class Rewards program will save $100's every month on purchases you are already make at local Restaurants, Stores, and Theatres and more!
TRADELINES.......CHEAP......CHEAP
Ask one of our representitives for more details on our other credit programs. You can also oder our credit repair Kit for only $149. TIME OFFER
(All lines report to at least two of the three credit bureaus: Experian, Equifax, and Transunion)
NOTICE: Clients intending to use trade lines to increase their credit scores are directed to disclose to any potential lender that such lines have been added. Failing to disclose may be considered an attempt to defraud a lender and/or violate state and/or federal laws.
DISCLAIMER: Clark and Associates is a referral source, not a credit services organization, financial, or banking institution.
Platinum Credit (1 Installment and/or 1 Revolving clients can choose any 2 combination)
Cost: $750 per trade line
Auto Revolving Installment
Tradelines or limited to 25K or lower Post within 30-60 days
Guaranteed to post on at least 2 or the 3 reports with posting generally taking place on all 3 reports. Trade lines have a credit limit of 40K. However, clients are advised to be reasonable based upon income levels. Balance of trade lines has the most effect on scores vs amount of trade lines. Revolving accounts are important because banks use it as a reference for deciding credit limits they will approve. All trade lines typically takes up to 30-45 days to post. In many cases, these trade lines can post within 30 days.
TRADELINE.......TRADELINES......TRADELINES
POST WITHIN 30 TO 45 DAYS
COST: $1,500 PER TRADELINE THESE TRADELINES COME FROM MAJOR BANKS. CLIENT GET INVOICES BUT HAS TO PAY NO ADDITONAL FEES
All the work in this program is contracted out to one of our referral sources. Client will be allowed to purchase material.
AUTO MORTGAGE INSTALLMENT REVOLVING
CLIENT CAN BUILD THESE TRADELINES TO THEIR SPECIFICATIONS. WE GENERALLY RECOMMEND TRADELINES AROUND 45K OR LOWER EXCEPT FOR MORTGAGES
GURANTEED RESULTS. FULL REFUND IF TRADELINES FAIL TO POST WITHIN 45 DAYS. AVERAGE POST TIME IS 15 TO 20 DAYS
Inquiry Removal Program
Cost: $1,600 for all three credit bureaus. We will help you remove unauthorized inquires.
Best way to see all inquiries is to pull a 3-1 Credit Report with Equifax or TransUnion directly by the client.
The Inquiry Removal works such as:
We can take off unauthorized inquiries on Equifax within 5-12 days and Experian within 30-45 days TU within 30-45 days
Total cost for all three credit reports is $1600
Results: Generally, clients will see results from 60% to 90% of removal of inquiries. Results vary. C & A does not imply that it will remove all inquiries 100%; however, we do guarantee results of 50% or better. If clients obtain results of below 50%, we will access a charge of $40 for each removed inquiry and refund the difference paid. If we fail to remove over 60% of inquiries, please allow another 30-45 days to work the inquiries again before requesting a refund.
Requirements: CCredit reports with file number or confirmation number and username and password of credit monitoring service.
To obtain a copy of your credit reports and scores, please visit www.transunion.com and sign up for 3-in-1 credit monitoring. The cost is $14.95 a month. Clients generally will need to service for at least 2 to 3 months.
Inquiry Removal Program
Costfor Inquiry Removals has increased to $850 per bureau
Best way to see all inquiries is to pull a 3-1 Credit Report with Equifax or TransUnion directly by the client.
The Inquiry Removal works such as:
We can take off inquiries on Equifax within 5-12 days and Experian within 30-45 days TU within 30-45 days
Total cost for all three credit reports is $1500
Results: Generally, clients will see results from 60% to 90% of removal of inquiries. Results vary. C & A does not imply that it will remove all inquiries 100%; however, we do guarantee results of 50% or better. If clients obtain results of below 50%, we will access a charge of $40 for each removed inquiry and refund the difference paid. If we fail to remove over 60% of inquiries, please allow another 30-45 days to work the inquiries again before requesting a refund.
Requirements:Credit reports with file number or confirmation number and username and password of credit monitoring service.
To obtain a copy of your credit reports and scores, please visit www.transunion.com and sign up for 3-in-1 credit monitoring. The cost is $14.95 a month. Clients generally will need to service for at least 2 to 3 months.
Business Credit Build Out
C&A B-to-B Credit Solutions offers a simple 3 Phase program designed to take the guesswork out of establishing business credit. There exists a host of companies today promoting the use of "tradelines" or "business tradelines", AKA the use of fictitious information in order to establish credit, and we are here to tell you to SAVE YOUR MONEY!!!
For only $999, our program will show you how to do the following:
Meet all compliance requirements for the business credit agencies Quickly establish an 80 paydex with multiple lines of credit Assist with structuring your asset documentation and financials Develop or acquire one or more personal guarantors
Do your research. Our program is the most effective program out there for building business credit quickly. Your purchase even includes an online coach who will be available via instant messenger to answer questions about the process. Whether or not you are a business owner, we can help. Our process is a tried and true method of building business credit quickly, and with the right strategies you can use our business credit files to replace the use of your personal credit files for virtually anything you can think of. ETHICS, HONESTY, INTEGRITY, and RESULTS.
Step by step plan to establish an 80 paydex with MULTIPLE vendors and trade references. The most effective methods for replacing your personal credit scores using business credit file strategies.
Establish up to $250,000 in business credit lines without using your personal credit reports. Could your business use an extra quarter of a million dollars??
Same strategies used in the other programs charging anywhere from $399 to $12,000 or more!
Business Credit Program
C&A offers a credit building service to help our clients build their business credit profile to obtain future funding.
4-6 D&B Tradelines
Verifiable Trade References
Business Bank Account
Dun & Bradstreet Number
80 Paydex Score
$550 per month Process takes 4 to 7 months Funding that may be obtained once business credit profile is built (clients will pay a 15% backend fee) We also offer the following package of services
Dun and Bradstreet Business credit profile built in 60-90 business days - $4,800
Dun and Bradstreet Business credit profile built in 30-45 business days add $2,500
Dun and Bradstreet business credit profile built in 15 business days add $5,000
Guaranteed Funding Program with potentially up to $500,000 in funding. The cost is $35,000 plus a Success fee of 5% on the back-end.
Business Plan executive summary template - cost $399
Dun and Bradstreet Credit Repair - Removes slow pays, liens and judgments or other errors on credit profile –cost $3,500.
Dun and Bradstreet - Add more trade experience to existing report or add trades to generate PAYDEX – cost $5,500.
Services:
1)Expedited Credit Repair.Our credit repair services includes all three major credit reporting agency.We can remove over 90% or better of all negative items.The process takes about 60 to 90 days to complete and clients can follow the progress of the report through their Equifax credit monitoring services.Prices start at $3,200 depending upon the number of negative items on the report.Clients are allowed to pay 50% down and the remaining 50% mid way through the process. We also offer a credit program at $1,200 that removes 60% plus of the audited accounts within 90 to 120 days. This program is currently on sale for $899.
2)Business Credit Build Out.We can help entrepreneurs build out their PayDex Score within 21 to 30 days.The average client is able to obtain a 80 Plus score.Cost starts at $3,500.Funding can be obtained from 20K to 150K once scores are built out.We also provide a credit building program for start up and existing businesses to help establish a profile with D&B, Experian, and Equifax over a period of 6 to 8 months.Clients generally can obtain funding from 100K to 400K in this program.In addition, we have a program that can help clients obtain up to 150K in funding regardless of the credit score within 90 days.
3)Tradelines.We offer seasoned tradelines that are backdated 2 to 5 years for only $1,500 each.We offer discounts for bulk purchases.Tradelines post within 30-45 days or sooner to all three major credit reporting agencies.
5)Investment Group.We offer an investment group for individuals or businesses to invest their funds for high yield returns.Investors can get up to a 20% to 60% return on a monthly basis.Minimum invest is 25K on Gold Buy and Sell Program and 100K on Forex Bank Trading Program.
6)Bank Extreme Funding Non Recourse.Clients must be in business for at least two years, have a credit score of 700 plus, and have an existing account with Wachovia (they can also set up an account).Clients ca n get up to 2.5M in this program.Clients walk away with $875K in the remaining balance is placed toward fees and into an investment program to leverage and pay back the debt. This program is currently filled and closed until January 2010.
7)Proof of Fund.We offer proof of funds for our clients.Clients can get accounts set up for verification of funds and pay as little as 6% for 30 days.Term sheets are provided within 3 to 4 days.Brokers can add their points to the fee agreement if approved. We offer various types of POF, VOD, SBLC, etc......
8)Funding Program.We provide an Auto Conversion Signature Loan that can fund from 30K to 70K in 30 days.We offer a 25k credit card that can fund in 7 to 12 days.We offer a Average or Poor credit score funding program that can fund in 30 to 60 days.
9)Seasoned Corporations.We offer a 250K seasoned corporation.Client must have a 720+ credit score and pay 30K for corp.Funding takes place in 60 days.We also offer Seasoned Corporations that are built out with full financial starting at 25K to 150K with various amounts of funding. We also offer a 100K Equifax Funding Program that funds in as little as 15 days.
10)Grant Writing.We offer a grant writing program.Clients can get 130K to 150K with guaranteed funding for minors. Clients must pay $5,000 up-front. Funding can also be placed on a recurring yearly basis as well.
12)Miscellaneous Services.We also provide Hard Money Loans, Church Financing, Commercial Property Loans, Loan Modification, Debt Settlement, Pre-Written Business Plans, Paralegal Services, Credit Workshops/Seminars, and Credit Coaching.
