Most credit repair companies charge an arm and a leg, promise the world, and deliver little or nothing. We charge a low flat fee and give you a Free Consultation before you pay so you know what the credit repair process means for you.
The biggest misconception is when credit repair companies guarantee to increase your credit score, since a one point increase will satisfy the guarantee, but a one point increase is basically nothing; and your score will probably go up a few points by itself within a month anyway. We know your credit score will increase into the 800s, but we don't tell you it will happen within a specific time frame. We know that when your score goes up, you will refer more people to us, and that is our insurance for a successful future.
Most credit repair companies don't mention that you have to do your part in order to increase your score even more. The strategy is the same for everyone, and we teach you how to do your part. You have options, and you must exhaust as many of these options as you can before you apply for credit again to ensure the best possible score.
Credit repair companies do not tell you that you don't need to hire a credit repair company; you can do it yourself. The FTC says "self help may be the best help", but the problem is that you may not have the time to learn what you have to do, and you will not be able to process your file in one day like we do. You can do your own taxes too, or cook for yourself, but we all prefer to go to a restaurant so we don't have to clean up the mess afterward.
Credit repair companies tell you they have a "state-of-the-art" software program that will generate the best results, but the truth is automated programs can't compare to the personalized service you need to address your specific issues.
There are many versions of the credit score. FICO is the most recognized and used; However, there are many versions of the FICO score as well. Be careful about what you think is your score, since it will be different if you check it from another source, even on the same day. The biggest variations occur when you purchase your score directly with Transunion or Experian, since they do not sell you the FICO score; they sell the vantage score that is based on a different numerical scale. At Credit Maximized, we will provide strategies to increase your score no matter where you get it. If you plan to compare your before and after score, make sure it is generated from the same source before and after. Furthermore, the only score that matters is the one generated from the company that you apply with, and they will not use a score you give them.