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Credit Restoration 2020-09-16T16:10:49+00:00

Our Mission

To provide industry leading credit repair and award winning customer service at an affordable price to help consumers with credit issues restore their credit and build strong credit foundations upon which they can achieve their financial goals and enjoy a lifestyle of greater opportunity.

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We are different

We are beyond one-time credit repair; we are dedicated to helping you develop a healthier relationship with your credit. Our focus is on you, your story, and your determination to make a change. We want to empower you to make a significant, long-lasting lifestyle change that can give you access to your financial dreams. Lifetime score improvement is more than just removing negative items on your report – we’ll repair your credit history, and we’ll do it better than the rest – but we’re focused on the story behind that credit score and helping rewrite it to reflect who you are today.

We believe everyone has a right to:

  • Achieve their dreams
  • Increase their ability
  • Equal opportunities in their lifetime

Our company of experts believes that we can make a difference in your life. We understand that a credit score is not just a number; it’s a lifestyle.

We have a team of Attorney’s, CPA’s and trained professionals.

We use the Fair Credit Reporting Act to protect and restore your credit.

We ensure that your credit file is free of errors, erroneous and misleading information.

We ensure that all laws and federal guidelines were followed correctly during the reporting process.

A credit score is not just a number, it’s a lifestyle

The Cost Of Bad Credit

Your credit affects every part of your financial life. The average American with less than perfect credit spends an extra 30-40% a month in higher interest rates. Don’t allow your less-than-perfect credit keep you from reaching your financial goals. Your credit affects more than you think. Here are just a few aspects of your financial life that are affected by your credit.

What You Get

Have Our Credit Experts Help You With the Following Disputes and Removals:

Bankruptcy

Public Records

Repossessions

Foreclosure

Judgments

Credit Fraud

Late Payments

Collections

Identity Theft

Excessive Inquiries

Reporting Errors

Charge-Offs

See Our Software

To ensure you have the best customer service experience with our credit repair service, we have invested in a state-of-the-art technology to enhance our communication and to provide you access to your file 24/7. We have an encrypted, high security environment. The technology we use to safeguard your information is similar to systems used by online banking and governmental agencies.

How It Works

To see how our credit repair process works please click on the video.

Our NO RISK Pay after Deletion Credit Repair Program Options and Pricing

  • Initial Audit/File Review Fee – $199 – This fee is a ONE-TIME FEE, you will not pay an additional fee until we have successfully deleted/repaired negative items on your report.

    If we don’t delete/repair a minimum of $199 in negative items, you’ll take your next vacation on us!!! You will receive a FREE 3 day/ 2 night vacation get-a-way!!

  • Results Fees – These fees are due upon receipt of invoice, files are reviewed for results every 35 days. First review will be about 35 days after we mail your initial letters

  • Inquiries – $10 per item per bureau

  • Technical Data – $15 per item per credit bureau – Name variation and/or address deletions

  • Standard Deletions – $40 per item per bureau – Collections| Charge-offs | Repos | Medical Bills | Late Pays | Foreclosures | Any Negative item Not in the Public Records Section of Credit Report

  • Public Records (Bankruptcies | Tax Liens l Judgements) – $250 per item per bureau

Our program is an 8 month program. At the end of each cycle we will verify all deleted/repaired items, and send you an invoice for the applicable charges. The maximum you will be charged in any month is $150. In the event there is a remaining balance, it will carry forward to the next month. At the end of the 8 months, if there is a balance, you will be charged at a rate of $150 per month until the balance is paid in full.

How long before I see results?

It’s a pretty normal question to ask: how long is this going to take? The honest answer is that it depends — on your goals, your situation and how much work you need done. AAA Credit Today, looks at you as an individual and build your own personal Game Plan accordingly. Your Game Plan focuses on the areas that will make the most impact– and helps the AAA Credit Today experts get to work quickly to make sure your creditors are being responsible regarding the information they’re reporting about you.

What if all my negative items are accurate?

As you’re looking over your credit situation, a question pops up: what if most or even all of my negative items are accurate? Will credit repair still work for me? Well, there are more opportunities for change and growth than you might think. Here’s why. Creditors sell very critical information about you every day. It’s information that can affect almost everything in your life, from your car payment to your house to your job. So, it’s important to make sure that that information is as substantiated, timely, accurate and fair to you as absolutely possible. A lot goes into these definitions. This is where the AAA Credit Today experts come in. It’s their job to help you assess the items on your credit report and then intervene with your creditors to help uphold these standards regarding the information they report about you to the bureaus. So, see what the process can do for you. It might surprise you how much is possible.

Is credit repair worth it? Why?

To know whether credit repair is worth it, you just have to look at what your credit impacts. These days, it seems like it’s just about everything. When you start realizing how far it goes, it’s easy to do a little math. Not having ideal credit can cost you thousands and thousands of dollars over the course of a home or car loan. It can keep you from getting insurance coverage or even a job. It can make even everyday needs and decisions more difficult. When you compare this to the confidence and assurance of feeling in control of your credit situation and the opportunities that brings, the value of credit repair can seem pretty priceless. Luckily, having the experts at AAA Credit Today working to help you tackle your credit issues costs only $150.00 a month. It’s a pretty great value that may impact a lot of the things you value most. Learn More.

What is the Fair Credit Reporting Act and why was it created?

The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act. The FCRA provides additional measures of consumer protection in the areas of fairness, accuracy, and privacy of the information collected by the credit bureaus. It also allows you to personally engage in credit repair and maintenance processes, verifying that the information in your credit report is correct.

How can my bad credit be repaired legally?

Because you are ultimately responsible for ensuring that your credit report is accurate, laws were enacted — specifically the Fair Credit Reporting Act (FCRA) to assist you. The FCRA gives you the right to contact the credit bureaus directly to dispute items on your credit reports. You can dispute any and all items that are inaccurate, untimely, misleading, biased, incomplete or unverifiable. Any item that cannot be verified on your credit report must be deleted. Goodwill Creditor Interventions may also be used to address an item on your credit report directly with your creditor. Also, the Fair and Accurate Credit Transactions Act (FACTA) of 2003 may be utilized primarily in situations where identity theft is concerned. Thousands of people have legally and successfully restored their credit and increased their credit score simply by enforcing their own legal rights. This type of process can be done individually if you have the time, and of course the patience, for the learning curve involved.

What items can be removed?

A better question would most likely be “what item cannot be removed”. We can remove everything you can imagine. Here is a list of some:

  • Late Payments
  • Charge Offs
  • Foreclosures
  • Judgments
  • Repossessions
  • Personal Identification changed or corrected
  • Closed Accounts
  • Bankruptcies
  • Negative Settlements
  • Liens
  • Collection

How will I know it works?

Easy! Every time you receive updated credit reports throughout your service you will see items that have been changed, updated, or removed. If an item is changed or updated, it generally means that a positive improvement with that account (such as a late history) has been made. If an account was removed all together from your credit report, it means that a negative items has been removed from your credit. Usually these items are collections, charge offs, foreclosures, etc. We’ll also point out important progress made within your online portal which you’ll have online access to.

How much can I expect my score to go up?

It all depends. There are no two credit reports that are exactly the same. This means that improvements we make on one person’s credit may or may not improve the score as much as another’s. The “average”, we’ve found, never applies. We’ve seen scores go up 200+ points, and others just get the 20 point boost they needed to qualify for their home loan. Everyone’s results will vary, but, you can be certain we will get you the best results possible. And with our “unbeatable satisfaction guarantee®” you have nothing to lose.

How long does it take to repair my credit?

Each situation is unique and so is the timeframe required to repair your credit. The majority of our customers see results within the first 45-60 days. AAA Credit Today works on your credit on a month by month basis until you are satisfied with the improvement in your credit. Our goal is to improve both your credit report and credit score continuously each month. With that said, keep in mind that no company can promise any specific outcome simply because there are several third parties involved (e.g. Equifax, Transunion, Experian, your creditors, etc.) and no one can predict how they will respond.

I just signed up, what happens now?

  • You’ll receive a welcome email from AAA Credit Today.
  • We’ll provide you with a special secure online account so you can keep track of our progress on your credit repair
  • You’ll see your credit reports and starting credit scores from all three credit bureaus (reporting agencies)
  • You’ll start seeing credit improvements in less than 60 days
  • Your credit report and score improvements will progress throughout the duration of your service (you’ll watch it all happen through your online account).
  • At the end, you will visibly see your credit report, turn into a better credit report. AAA Credit Today will also give you a future plan to help you maintain your improved credit and show you how to continuously raise your credit score.

Can I repair my own credit?

Yes. You have the legal right to work out your credit disputes with the credit agencies and credit grantors yourself. Given experience and study, you could do much of what our staff does. It is similar to your right as a citizen to represent yourself in court. When making the decision to repair your own credit reports or enlist the assistance of a professional credit repair company such as AAA Credit Today, it may be helpful to consider the amount of time that may be required to effectively repair your credit. In our experience, a typical consumer simply does not have the time to research and experiment with credit disputing methods in order to find the best course of action for their individual credit situation. Our extensive experience means you will see the highest possible return on your time and money as our efforts on your behalf will only utilize credit improvement strategies which have proven to be effective.

Did you know that people who regularly check their health have significantly better health than those who don’t?  Did you also know that the same is true for your financial health? Few people do, and even fewer know where to go to check the vitality of their financial Health!  Until NOW! Welcome to the LYFE APP a one-stop source for all things financial

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