Texas Credit Restoration Alliance Po Box 8964 Horseshoe Bay Texas 78657 Phone 815-436-9579 Fax 866-412-7246
Email: jydavis11@aol.com
www.eCreditFixers.com
Did You Know A-Z ?
A. 7 of 10 Credit Reports contain mistakes and /or Erroneous Information B. Credit scores of our clients are raised by an average of 127 Points within the first 180 days and more so than not within 90 to 120 Days C. Only 2%-7% of credit report disputes are done correctly with positive results by the average consumer D. Credit Scores are easily manipulated by creditors who purposely want to diminish your credit score by the way they report your accounts E. Paying off or agreeing to pay plans for old or charged off debts will hurt your scores. It starts the prison sentence all over again. F. Raising your credit scores as little as 40 points could lower a $200K mortgage up to $400.00 per month on a 30 year mortgage G. Are you in CREDIT PRISON? Credit prison sentences are from 7 to 10 Years even longer by the way your accounts are reported. H. Disputed Discrepancies to the credit bureaus by the average consumer go unchanged I. 15,000 clients a year use our services and receive a triple warranty on our services J. Our clients are assigned to an ATTORNEY TEAM which handles all disputes and corrections. The attorney assigned to your case will get results. Your case will be started on as soon as you sign up and the attorneys can use the credit reports you have to get started immediately
K. A major credit card or mortgage payment that is reported 30 days late can decrease your score 80 points or more L. Credit Scores are easily decreased and are difficult to raise without professional help M. Automobile Insurance premiums are partially based upon your credit score N. Information such as your zip code, or P.O. Box can lower your score O. Public Records such as Tax Liens, Judgments, and Bankruptcy and court ordered child support are items that are frequently removed from credit reports by our attorneys P. AKA names reported on your credit report can lower your score Q. Wrongly reported addresses on your report can lower your score R. Your job title on your credit report can lower your score ( selfemployed, C.E.O., President, ) S. Once an Item is deleted from your report it cannot be reinstated to your report T. Credit inquiries are detrimental to lowering scores but are easily removed with our company insider secrets by our attorneys U. New credit of all types can lower your scores ( mortgages, installment loans, credit cards etc.) V. Revolving Debt Balances close to credit limits lower scores more than credit available W. “Bankster” brand credit cards such as First Premier Bank, Orchard Bank, Capital One, and others can lower your scores X. Credit Card Companies can lower your credit limit and raise your Interest Rate by checking your credit for derogatories that show up on your report from other creditors. They can raise your rate up to 32% depending on the Credit agreement of the Card issuer. Y. At the present time Mortgage Credit requirements and credit standards have been raise so high that over 50% of Homeowners or Homebuyers cannot qualify to refinance or purchase a home at a quality rate with their current credit score. Z. Now is the time for you to act. Credit Prison Sentences of 7 to 10 years are not dismissed automatically, or pardoned by the Governor. You must take control of your credit destiny and you can get started now and receive a credit consultation absolutely free of charge by calling 815-436-9579 or log on to our web-site www.ecreditfixers.com Payment Plans and Family plans are available.
The Credit reports you or your mortgage broker have will work to get started immediately A major credit card or mortgage payment that is reported 30 days late can decrease your score 80 points or more Credit Scores are easily decreased and are difficult to raise without professional help Automobile Insurance premiums are partially based upon your credit score Information such as your zip code, or P.O. Box can lower your score Many different addresses on your report can lower your score Public Records such as Tax Liens, Judgments, and Bankruptcy are items that are frequently removed from credit reports by our attorneys AKA names reported on your credit report can lower your score Wrongly reported addresses on your report can lower your score Your job title on your credit report can lower your score ( selfemployed, C.E.O., President, ) Once an Item is deleted from your report it cannot be reinstated to your report Credit inquiries are detrimental to lowering scores but are easily removed with our company insider secrets by our attorneys New credit of all types can lower your scores ( mortgages, installment loans, credit cards etc.) Revolving Debt Balances close to credit limits lower scores more than credit available “Bankster” brand credit cards such as First Premier Bank, Orchard Bank, Capital One, and others can lower your scores Credit Card Companies can lower your credit limit and raise your Interest Rate by checking your credit for derogatories that show up on your report from other creditors. They can raise your rate up to 32% depending on the Credit agreement of the Card issuer. At the present time Mortgage Credit requirements and credit standards have been raise so high that over 50% of
Homeowners or Homebuyers cannot qualify to refinance or purchase a home at a quality rate with their current credit score. Now is the time for you to act. Credit Prison Sentences of 7 to 10 years are not dismissed automatically, or pardoned by the Governor. You must take control of your credit destiny and you can get started now and receive a credit consultation absolutely free of charge by calling 815-436-9579 or log on to our web-site www.ecreditfixers.com Payment Plans and Family plans are available.
FACTS: YOU CAN NEVER HAVE ENOUGH GOOD CREDIT TO OVERCOME THE BAD CREDIT ON YOUR CREDIT REPORT At Present, 50% of homeowners CANNOT refinance their ARM mortgages due to higher credit score requirements Your Mortgage Loan Officer knows we get results and that is why he referred you to us. Consumer Disputes the majority of time, are out sourced to Jamaica and an average of 7 minutes are spent on them with only 2-7% corrected or deleted. Over 30 Million people have received their credit scores this year and only 2 % of them know how to raise them. In some cases, our Attorney affiliates can raise a credit score 127 points in as little as 90-120 days The cost of the program is greatly outweighed by the benefits of higher credit Scores, The costs of our program is less expensive than bad credit. If you procrastinate, your scores will continually be low and stay low.
If you and your spouse both need our services we have a family plan which can also include children if they are in college up to 23 years old. The family plan is only $500.00 more than the Individual Membership. See our membership services and fee sheet on the following page. Payment Plans are available so everyone can utilize our services. THERE IS NOT ANY SINGLE ITEM YOU WILL SEE ON A CREDIT REPORT THAT OUR ATTOREYS REPEATEDLY REMOVE PERMANENTLY ON A ROUTINE BASIS
PLEASE NOTE: If you were referred to our company by a mortgage broker, the broker may offer you up to $500 discount off origination fees and or lender fees on your mortgage for using our service. These affiliated mortgage discounts will recoup up to 50% the hard earned money you spent for our services.
Membership Services and Fees
INDIVIDUAL A. Individual Membership: Initial Investment $195.00 and 6 Monthly Investments of Just $175.00 B. SAVE $250.00 by paying in Full $995.00
FAMILY A. Family Membership: Initial Investment $295.00 and 6 Monthly investments of $250.00 B. SAVE $300.00 by paying in Full $1495.00
MEMBER SERVICES Credit Audit Verification and Restoration: Included in your membership is representation by an affiliated attorney to challenge the 3 major credit bureaus and force the removal of derogatory information from your report. As a special member benefit, only extended to our members in good standing, our affiliated attorneys will aggressively represent you with NO UP FRONT FEES nor ongoing monthly fees. Your total legal fees are only $5.00 per deleted or corrected item per credit report: billed and paid directly to your attorney as a “ correction fee” payable ONLY AFTER YOU ARE NOTIFIED BY THE CREDIT BUREAUS OF YOUR RESULTS. FREE LEGAL ADVICE : Membership includes a membership into our National Law Club, a national network of over 20,000 attorneys in all 50 states. Most legal problems can be settled with nothing more than a phone call or a letter written on your behalf by one of our plan member attorneys. Members are encouraged to embrace the legal system and to make constant use of our highly qualified attorneys who will help them navigate through life’s unexpected legal matters. Services includes at no charge are unlimited phone consultation, attorney review of legal documents, necessary calls and letters by your attorney, simple wills for you and your family, advice on representing yourself in small claims court and help with government programs, plus discounted fee schedule, contingency fees and hourly rates.
FREE TAX ADVICE: Now members can get all of the answers to their most pressing tax questions at no charge. The MY TAX MAN SERVICE offers advice by real tax experts. It gives you the opportunity to make unlimited phone calls and get prompt accurate answers about all you tax concerns… new tax laws, deductions, forms, dependants, capital gains taxes etc. Did you miss refund opportunities? HAVE YOUR LAST TWO YEARS TAXES REVIEWED to get a free professional opinion. Guaranteed confidentiality. $5000.00 SECURED CREDIT CARD As a member you are automatically approved for a secured credit card to purchase computers and consumer electronics. Of course your positive payment history will be reported monthly to the national credit bureaus further helping you re-establish your credit. SECOND CHANCE BANK ACCOUNT : If you are unable to open a checking account due to poor credit or a derogatory listing in ChexSystems we can help. Your assigned attorney will represent you against ChexSystems and force the removal of your name from their list. We can also direct you to a bank or credit union in your area that does not use ChexSystems verification. Additionally members have access to an internet bank that will open a checking account for our members. Funds are FDIC insured up to $100,000.00. A debit card is included with the account. CURRENCY CONNECTION CARD with Overdraft Protection : The Currency Cash Card is an ATM/ debt card giving you access to your own personal bank account. Funds are maintained at an FDIC insured account at Republic Bank and Trust Company. It is better than a traditional bank
account as there is NO CREDIT VERIFICATION- NO CHECKS TO BOUNCE with up to $400.00 OVERDRAFT PRIVILEGE. Use your Currency Cash Card to accept deposits, make withdrawals, or make purchases. Members will receive a monthly bank statement to verify account activity. FREE CREDIT CARD SEARCH: Conduct an online data base search of all of the banks in the US that offer sub-prime, secured and unsecured and partially secured credit cards. We guarantee to have you approved for a minimum of two new credit lines. PERSONAL FINANCE COACH : Members are extended unlimited use of a LIFELINES personal finance coach. In addition to helping with your family budget or Big Picture financial planning your Personal Coach will discuss a variety of topics like…… Do I buy or lease a car? Which card should I pay off first? What will need to (1) retire or (2) send my kid to college? Is term universal or whole life best for me? Your personal coach is highly qualified to help you focus on your issue and or identify helpful resources. Your coach WILL NOT sell you financial products or services. Coaches provide undivided attention, objective information and guidance. IRS DEFENSE : We have entered into an alliance with an organization whose principle has 10 years experience as an IRS agent and is now a consumer advocate that is certified to represent consumers against the IRS. Members receive one free hour of telephone consultation. If additional assistance is required members receive discounts.
DISCOUNTED HEALTH BENEFITS PROGRAM : Until now 80% of our members did not have a discount plan to cover their family for Dental, Chiropractic care, prescription drugs, eye care ( Glasses or Contacts) Laser Vision Correction, Durable Medical Equipment and discounted access to hospitals, physicians, Surgeons, Radiology, Clinical, Laboratory and Specialists. Members receive this coverage for their entire household and may save more on healthcare than the entire cost of their membership. CREDIT REFERENCE SERVICE : We provide a written credit reference at anytime for current valid members. Guaranteed a Computer: Members are pre-approved for financing of a computer.
OUR TRIPLE RESULTS WARRANTY
Warranty # 1: says that as long as you do your part, if no derogatory items are removed from your credit reports within the first 3 months, at your request we will cancel your membership and refund all monies paid. Quite simply this never happens. Warranty # 2 says at the conclusion of your membership, if you have any derogatory item left on your report, an evaluation of your results will be performed. A value of $75.00 will be placed on each deleted or improved item and deducted from your total amount paid. We will refund any difference. “ This is offered to help you feel comfortable with the results that you can
anticipate. Our Attorneys typically deliver results that far out weigh and exceed the warranty value. Warranty # 3 says that if for almost any reason you are not satisfied with your results, our attorneys will extend your case and continue to work on your behalf until you are completely 100% satisfied with your results. NO GUARANTEE It is important to understand there can be no absolute guarantees involved in any legal matter. As in a court of law, an attorney could never guarantee that a judge would rule in their favor. However, based on extremely positive past experiences, we offer our members the industries only “ MONEY BACK TRIPLE RESULTS WARRANTY” to protect their membership investment. You can see the benefits of our membership not only include the best credit restoration money can buy, but these other services, and our Triple Warranty make our Alliance second to none. If you want to regain control of your credit, call me right now @ 815-557-0402 for a FREE credit review. You may also use the contact form on the website. I also offer additional services for those trying to qualify for a mortgage or refinance their mortgage to help you qualify faster!
Jeaneen Davis Senior Credit Analyst