How It Works

 

Many credit repair firms focus solely on charging absorbent monthly fees with minimal results. We value and cultivate our client relationships, charging only for items, tasks and deletions that have been completed and delivered to you

 

As subject matter experts in credit improvement, we are skilled in leveraging your Fair Credit Reporting Act rights for optimal results. We have a comprehensive understanding of the three credit repositories and the hidden data and credit repositories that other credit repair firms overlook, leaving their customers no better off than when they started.

At Wise Credit Consultants, we hold ourselves to a higher standard. Our core values, integrity, education, and empowerment guide every client interaction and service delivery. We take great pride in helping others reach their financial goals affordably and with the greatest success strategies.

3 Step Process

  • During the process of signing up for our services, you will be provided a link and will be required to sign up and maintain a credit monitoring account for at least the duration of your credit improvement process. The cost of this credit monitoring service is $39.97 per month.
  • We will require a free account to be set up with Experian.com and provide your login credentials to us.
  • We will establish your online private client portal within 1 to 3 business days and email you your login credentials. From this secured portal, you can stay abreast of our progress with your account.
  • Once you have completed steps 1 and 2, we will have your audit prepared within 2 – 5 days and deliver it via the online client portal before the audit fee is charged.
  • We will prepare challenges for items appearing on your credit reports in accordance with the Fair Credit Reporting Act. (FCRA)
  • You (the client) will print the dispute letters and mail them with the proper identification and a current utility bill. Specific instructions will be sent to you in an email.
  • After each consecutive round of service, we will prepare all follow-up challenges, as allowed by the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Fair, and Accurate Credit Transactions Act (FACTA), and Fair Credit Billing Act (FCBA), or other applicable laws.
  • All items repaired or removed will be posted to your online client portal and you will receive an invoice for each item for prompt payment. These items are accessible online using the username and password provided to you upon sign-up.
  • We will consult with you to determine the appropriate actions to take as we progress through the service agreement.