Commitment To Build

Once you engage our company, we help you acquire your credit reports from the three major credit bureaus: TransUnion, Experian and Equifax. Since each client's case is unique, we will learn what information is and isn't on your credit report. Talking about these factors helps shape the advice our experts can offer and the strategy we'll build together to get you where you want to go.  

The counselor assigned to your case will simply file a dispute, and direct appropriate correspondence to your creditors and the credit bureaus. Once dispute is submitted, we’ll investigate and return your results.

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

Yesu2can Financial Consulting Group® focuses on two of these factors - your payment history and amounts owed - which make up 65% of your overall score. 

Our clients receive a personalized credit score progress analysis each month, including targeted information that may help to raise their credit scores. Additionally, counselors are available by email, or website chat to provide helpful coaching regarding additional credit score enhancing tips.

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.     

This step may be one of the most important. 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.     

After building solid credit on your current financial situation.  We recommend that you review your financial needs, and goals periodically to determine if you are still making progress, especially when there is a change in jobs, marital status, or an addition to the family.  These things and more can affect your credit score