CREDIT REPAIR

When It's Time For A Credit Makeover

We Listen. We Understand. We Make It Work!

If you have debt problems, you’re certainly not alone. Millions of people across the country have trouble paying their bills. Whether you’re falling behind on your bills, being sued, facing repossession, or thinking about declaring bankruptcy, Yesu2can Financial Consulting Group® will help you take steps to regain your financial freedom and repair your credit. Learn how to create a budget, avoid overspending, deal with creditors, and fix errors in your credit report, as well as build and maintain good credit going forward.


No matter where you are in your financial life, our financial experts can help you get a handle on your finances and lay the groundwork for your financial future.  

 

See how we can help you achieve your goals

Regain your financial freedom and fix your credit report.   Yesu2can Financial Consulting Group®  will help you take control of your personal finances, get a hold on your spending,  and making sure that your credit report is accurate.


Learn how to manage your debts and get back on your financial feet. 

 

 Find out where you stand and be prepared for what's next with easy access to your FICO.   Accessing your FICO® Score through this program will not impact your credit score. 


NOTE:    Accessing your FICO Score is free and will not impact your credit score.

START CREDIT CHECK »

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How Credit Repair Works

AUDIT

Learn what information is—and isn't—on your credit report. It's difficult to plan for the future without analyzing where you stand today.  This means identifying and prioritizing your needs, assessing and understanding what impacts your current credit report – things like payment history, credit utilization,  length of credit history, new credit  and credit mix. Talking about these factors helps shape the advice our experts can offer and the strategy you'll build together to get you where you want to go.  


This audit is very important. Our experts will use this information and our tools to translate your vision into a personal, measurable goal and to develop a written strategy to track your progress. 

VERIFY

Validate that the negative items in your credit report are true, accurate, and justified with the creditors and credit bureaus.  Under the Fair Credit Reporting Act (FCRA), bureaus generally have 30 days to investigate the dispute and remove any items proven to be inaccurate. 

NEGOTIATE

If the debt is found valid,  our experts will write a  Pay for delete letter asking that creditor debt collectors remove collections accounts from your report in exchange for payment.   Pay for delete happens when debt collectors remove collections accounts from your report before the 7 years in exchange for payment.

BUILD

There are two things that influence credit scores when information is deleted from your credit history. The obvious one is that negative information is removed. That is the positive.  The less obvious issue is stability. Credit scores not only weigh the information in your credit report at a certain moment, they also consider your credit behavior over time. A stable account history showing consistent, positive behavior is important to credit scores. When negative information is deleted from your credit report, you probably won't see an increase unless you have positive accounts remaining or you have a plan for adding positive trade accounts.     

COACH

The last step may be one of the most important. After building solid credit, we'll work together to make sure you stay on track.   This is more than just what we do in the office – it's about regularly checking in about questions you have, or changes in your life that may affect your credit. 

LET'S GET STARTED!

Starting this process is as simple as answering a few questions to help determine  where you are today, the next step is identifying where you'd like to be. What does your vision for the future look like? What are you trying to accomplish? 

  •  establish a realistic budget
  • prioritize debts and negotiate with creditors
  • stop collector harassment and respond to creditor lawsuits
  • letter to request reinvestigation
  • negotiate down your debt with creditors 
  • reduce  your student loan payments
  • create a healthy financial plan that you can live with


Get started today by contacting Yesu2can Financial Consulting Group® 


How can we help?

FREE 15 minute Credit Consultation

Before we can develop an credit strategy for you, we get to know you. What is your why? What do you want to do? This is your financial future. It shouldn't be left to chance or some off-the-shelf plan. 


The approach we work through together should be as individual as you are. When you partner with an  Yesu2can Financial Consulting Group® expert, we review and analysis your credit report and suggest a personalized strategy for fixing your credit.