We have a passion for assisting people and we love what we do. We take pride in the effort we have put into building a truly efficient, customer-friendly organization. Our intelligent, methodical approach is designed to deliver genuine, lasting credit improvement. We strive on delivering a happy, stress-free experience that is unmatched in the industry. We offer solutions that are tailored to your specific needs! Our team provides honest and trustworthy advice and they’re always willing to go the extra mile!
Regardless of your current financial situation, you can learn to prosper, conserve, and multiply the fruits of your labor through a basic understanding of the principles behind the Offense, Defense, and Playing Field of personal finance. The Financial Fitness Program brings all of these fundamentals together in one convenient location so you can quickly and easily become the master of your money and the kind of person who can prosper in any economy! Our long-term goal is to educate you about the importance of Credit Awareness and Financial Freedom so that you can create Generational Wealth!
Credit repair refers to the process of disputing errors on credit reports. You can go through this dispute process for free with each of the credit bureaus on your own which involves filing a formal dispute with the credit bureau(s) in question either online or via mail. That formal dispute should provide a detailed explanation of the error and any supporting documentation.
You can also view a sample credit dispute letter from the Federal Trade Commission (FTC).
If you don’t have the time or energy to repair your credit reports yourself, there are alternatives. We can help you get your report cleared up and we can help you get the best and quickest results.
We can assist you with documentation and information base on the FCRA law to dispute negative items that are harming your credit reports such as bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
TCS will also first pull your credit reports from each of the three major credit reporting agencies to pinpoint your credit issues. Why all three? Because each credit reporting agency has its own “data furnishers” (aka lenders, credit card companies, debt collectors, etc.) who report your credit information to them. And there may be errors that appear on one of your credit reports, but don’t appear on the others.
Once those errors have been identified, we will ask you to provide any supporting documentation that you may have. In some cases, it might be difficult to determine what to include as far as supporting documentation goes — that’s another way a credit repair company can help you. For example, if you’re a victim of identity theft and a fraudulent account is appearing on your credit report, it can be tough to prove it isn’t yours since you naturally don’t have any documents relating to the account.
When the bureaus and data furnishers receive the dispute and supporting information, they will then work with the credit repair company to determine if the item should be removed from your credit report. The major law dictating your rights when it comes to credit reporting is the Fair Credit Reporting Act, but it isn’t the only law on your side when it comes to credit repair.
We will scrub questionable credit report items against other laws — like the Fair Credit Billing Act, which regulates original creditors; the Fair Debt Collection Practices Act, which oversees collection agencies; and others that address medical illness, military service, student status and other life events.
We have different packages that are tailored to the needs of all clients. There is a one-time review/setup fee to get started. Your first monthly fee is not charged until a month later. We charge as work is completed, never in advance. You can cancel anytime with no further obligation. For a breakdown of costs, please see our pricing section.
There is a 100% refund if all the terms outlined in our contract are kept. We will be happy to send you a copy of our contract agreement for review.
Fixing your own credit is absolutely an option and any ethical credit repair company will tell you that.
“If your situation is simple, and all you have are an obvious error or two, then you may just want to try a round of credit repair on your own.
When trying to fix your credit, be clear and concise in your disputes with the bureaus and get your documentation in order.
If you decide you want to hire us, we can help you all your repair needs.
Getting negative, inaccurate information off of your credit reports is one of the fastest ways to see an improvement in your scores. Credit bureaus have to respond to resolve a dispute within 30 – 45 days which can help some consumers to improve their scores who want to buy a house, get a new car or open up a new credit card soon and don’t have the time to wait to build good credit in other ways.
But credit repair companies cannot tell you exactly how long it will take. What we can tell you is that through our service, 90% of our clients see their credit score increase by 60-100 points in the first 4-6 months in as little as 4-6 months.
Items will not go back on your credit report as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
Yes, we have an extensive action plan that you is a part of our service once you are enrolled that we will provide to you. Once you are enrolled in the plan, overtime a period of time, you will see a great impact on your credit scores that will be life changing to your financial needs.
Your personal credit is connected to you by your Social Security number. Your business credit history is linked to you by your Employer Identification Number (EIN) or Tax ID Number, which is how the government recognizes your business for tax purposes. You can apply for an EIN online and receive it almost instantly. Technically, if you’re a sole proprietor, you don’t need an EIN for taxes, but to establish business credit, you will.
Your personal credit history is curated by the three major credit bureaus, Equifax, Experian, and Transunion, and you have one profile with each. Experian and Equifax also have business credit reporting services. Your business profile is separate from your personal credit history.
There are credit reporting services that only deal with businesses, with Dun & Bradstreet being the largest and best known. If you have more than one business, you can have a separate report for each, as long as it has its own EIN.
I have always wanted to lease a BMW and buy a new home but my score was in the low 500. I when to Timeline Credit Solutions to boost my scores and I had 42 deletions in 6 months. Immaculate service from start to finish. I did purchase my new car and I am looking to purchase my home with Tanesha. With her wealth of information, you cant go wrong. She is the best. Thanks in a million!
"Thank you very much! To date, I have been quite pleased with your service and happy to report that my credit is in good shape now. I have not been able to get a normal credit card for the past 3+ years, however, after signing on with TCs a little over a year ago, I now enjoy a good rating. I am approved for most credit lines that I apply for — at good rates. I will continue to endorse this service. Thanks again!”
Their services are so great! My Experian credit report is all cleaned up! I just can't believe it! The other two bureaus are almost clean too. It's tax season and with my refund and the scores I need, your company has made my dream come true. I've also gotten new credit cards with high lines of credit and low interest and zero interest on balance transfers. So far I've spent under $500 for their service and It has been worth every penny. I'd recommend anyone that has a bad credit report to use them.
OMG...I got an updated copy of my Experian Credit Report today and I was so happy I started jumping up and down in the driveway. Praises to Timeline Credit Solutions for doing such a wonderful job. They deleted six out of nine negative of my negative items — and in less than two months — now that's what I call SERVICE. I can't wait to see the remaining negative times fall off my other reports. I am super excited! Thanks in a million!"
Timeline Credit Solutions was very transparent with me during my credit repair process. I received looks of education that was free. I must say that Earl is very Knowledgeable and thorough. He thought me things that I never knew and my credit score is now right where I want it to be. You will not regret working with him. They are the best!
I met Tanesha in 2016 and she has been a critical part of my family owning our beautiful 4 bedroom home. I lost everything in 2010 including 3 homes. My credit was so bad but because of her, we were able to purchase a new home, get new credit cards and purchase a new truck. Tanesha changed my life! Thank you, TCS, signing up with your company has been one of the best decisions I have ever made. Money well spent with TCS!