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The credit repair process is unique to each individual. This means that the length of time it takes to repair your credit will vary.  Cleaning up your credit depends on many factors, including the negative items themselves and the responsiveness of your creditors, collectors and the credit bureaus.

If you want to begin the process of rehabilitating your credit, it's a good idea to start by getting copies of your credit reports from Experian, TransUnion and Equifax. You can order your credit reports from each of the three credit reporting agencies for free at AnnualCreditReport.com. 

The  Fair Credit Reporting Act (FCRA), allows credit bureaus 30 – 45 days to investigate your dispute. The FCRA guarantees your right to an accurate credit report and requires the credit bureaus to verify negative information reported. If they can’t verify the item, they may have to remove it from your credit report. 

At the end of the investigative period, the bureaus have five days to send their findings back to you. The bureaus must provide the results of their investigation in writing and provide a free copy of your credit report, if the dispute results in any change.

Available at no cost for customers—By appointment only.

A notarization is generally an assurance made by a Notary Public that a document's signature is genuine, that the signer acted without duress and that the signer intended the terms of the document to be in full force and effect.

Most requests for notarization involve the signing of documents. In all cases, all signers and any required witness(es) must be present for the notarization. You'll need to bring acceptable ID as required by your state along with all pages of the document being notarized.

Yesu2can Financial Consulting Group

Attn: Billing

8201 Peters Road

Suite 1000

Plantation, FL 33324

Your credit score may go up and down throughout the month, depending on your credit card balance and other factors. Don't be discouraged; this is normal fluctuation. As long as over the long-term it's consistently moving forward, you're doing well.  

Understanding factors that affect credit scores, and the continual way those factors can change can help you see how your credit scores can vary even if you aren't using your credit any differently. Here are some cases when your scores can change without direct action on your part:

• Reduced overall debt: Paying down installment loans such as mortgages or auto loans may feel like "doing nothing" because it's part of your monthly routine, but each payment reduces the amount you owe. As long as you make your payments on time, your credit scores will tend to increase, even if you do nothing else.
• Reduced borrowing limit: If you go a long time without using a credit card, the lender could close the account or lower its borrowing limit. This in turn reduces your total available credit and can increase your overall credit utilization—all your outstanding credit card balances expressed as a percentage of your total borrowing limit. This could have a negative effect on your credit scores, especially if your overall utilization exceeds about 30%.
• Paid-off installment account: It may seem paradoxical, but when you finish paying off an installment loan such as a student loan, auto loan or mortgage, your credit scores can decrease a small amount. That's because when a loan is paid off and closed, the variety of accounts in your credit portfolio is diminished, and your score reflects a reduction in the credit mix factor. Additionally, the account's on-time payment history isn't factored as heavily in your scores once the account is closed. However, scores any decrease tends to be short lived and scores rebound relatively quickly if you continue to manage other open accounts well.
• A negative event expires: If a negative event such as a bankruptcy or a home foreclosure appears on your credit report, it will remain there for a fixed amount of time—10 years for Chapter 7 bankruptcy and typically seven years for other bankruptcy proceedings, foreclosures and collection accounts. These entries tend to lower your credit scores as long as they appear on your credit reports. Their influence diminishes over time, and your scores can tick upward once they're finally removed from your credit report.
• The passage of time: Once you've established credit reports by taking out your first loan or credit card, the passage of time will tend to help your credit scores improve. As long as you keep your accounts active, make your payments on time and keep your balances low, your score can change for the better. Inactive accounts may be excluded from credit score calculations even though they appear on your credit report. It's a good idea to make a small purchase from time to time and then pay it in full so that your credit history shows activity in the account.
• Suspicious activity: While minor changes in credit scores are par for the course for all credit users (even during interludes when they aren't actively using their credit), unexpected large shifts in credit score can be an indicator of credit account fraud or identity theft. If there's a major credit score change you don't understand, review your credit reports carefully. If you see signs of unauthorized accounts or credit applications you don't recognize, take action to address potential identity theft.

Late payments can be removed from your credit report if they have been reported inaccurately or if you can negotiate their removal with your lender. 

If you've had a judgment taken against you for a debt, there are a few ways you can remove judgments from your credit report. You can appeal for a vacated judgment, dispute the inaccuracies, or simply pay it. 

A free consultation is essentially an appointment, by telephone, with a representative of our team.  An initial consultation grants Yesu2can a chance to get to know your case and determine whether we can help. This involves taking a surface-level look at what it is you need, what contributing factors are at play to make the credit repair process as simple as possible for our clients.

In short, a consultation is an initial meeting with a Financial Consultant that takes place before you make the decision on whether to hire Yesu2can Financial Consulting Group to represent you in repairing or building your credit.

It is important to note that an initial consultation does not mean that Yesu2can has taken you as a client. Generally, in order for our company to work on your behalf, there must be a written agreement signed by both you and Yesu2can Financial Consulting Group.

After scheduling your free consultation, it’s time to get prepared. Start by writing down a list of the most important concerns about your credit report. Keep this short, direct, and to the point.   

If you have documents that are critical to your case, such as copies of communication from creditors, be sure to bring those along to your appointment. It may be helpful for the financial consultant to see them before they decide if they can take you on.

While both business credit and personal credit seek to paint a picture of financial responsibility, they are separate and distinct. Assuming your business exists as its own entity, its credit scores and ratings will apply to the company and not to its owners or officers. Conversely, a personal credit file is designed to measure the creditworthiness of an individual.

You may pay your course fees in one upfront payment via credit or bank card, or you may opt to split payment in two or three installments. A 5% administrative fee will be added to any split payments. Financing options are also available for select courses . Discounts are not included in financing options.