PERSONAL SOLUTIONS

PERSONAL CREDIT

Are you tired of the words NO, DENIED, NOT APPROVED? Need to buy a home, car, get approval for credit cards?

Our Credit Repair Stats

46%

Our average clients see a 46% percent deletion rate within the first 60 days of going through our restoration process. Our goal is to have everything done in 6 months or less giving you the ability to get back on track quickly.

80%

We have found that 8 out of 10 clients that complete our program are considered creditworthy by lending institutions. In addition, we find that 60% of our clients can qualify for a mortgage loan in the first 60-120 days.

Not trying to brag… but… that’s pretty good!

We can help you qualify for

null

Home Mortgages

null

Auto Financing

null

Credit Card

null

Personal Loan

OUR GOAL

OUR GOAL IS TO GET OUR CLIENT’S CREDIT SCORES TO 700 AND GREATER

This goal is accomplished in two steps. First, we get negative items off the credit report. Second, we help our clients to strategically add and manage open accounts. We do both things simultaneously to cause a rapid and dramatic increase to your credit score.

Unlike many other companies, we take a very consultative approach to credit repair and credit restoration. Our clients meet monthly with their credit advisor in-person or over the phone. It is during these collaboration/coaching meetings that we employ strategies to impact all 5 categories of the FICO Scoring Model. This is in addition to a vigorous campaign to remove inaccurate, unverifiable and unknown negative items from the credit report. Our goal is to cause a rapid and dramatic increase credit score, allowing our clients to more quickly enjoy the benefits from a great credit rating.

FICO SCORING MODEL

Our program is designed to impact all 5 categories of the FICO Scoring Model. Unlike other companies whose focus is almost 100% on removing negative items, which only impact 35% of the credit score, we also help to add and manage open accounts. This comprehensive approach puts our clients in the best position to improve their credit scores.

Payment History

35%

35% of our credit scores are payment history. Payment history includes any negative items on the credit report, such as:

  • Late Payments
  • Collections
  • Charge-offs
  • Judgments
  • Foreclosures
  • Tax-Liens
  • Bankruptcies
  • Repossessions
  • Delinquent Child Support

Payment history is positively impacted when we make on-time payments on open accounts.

  • Actions that POSITIVELY impact this category
    • Having open accounts and making on-time payments on those accounts
  • Actions that NEGATIVELY impact this category
    • Any derogatory accounts on our credit report

Timeline Credit Solutions Actions:
We will dispute derogatory items on the credit report to get them removed. We will also help to establish more accounts that are generating a positive payment history (if necessary).

Timeline Credit Solutions Actions:
We will dispute derogatory items on the credit report to get them removed. We will also help to establish more accounts that are generating a positive payment history ( in necessary).

Revolving Debt Ratio

30%

30% of our credit scores are revolving debt ratio. Revolving accounts are credit cards accounts. There are two types: Bank Revolving (major credit cards: Visa, MasterCard, American Express, Discover); and Retail Revolving (department store, gas cards, basically every other type of credit account that IS NOT a major credit card).

This category compares the credit limit of the account, with the credit balance of the account, and determines a UTILIZATION PERCENTAGE.

Example: $1,200 credit account limit, with a $600 credit account balance would mean this account is 50% utilized.

Anytime this percentage is above 30%, then this account is HURTING the credit score. When this percentage is below 30%, it is helping the credit score.

This category will also determine the utilization percentage for INDIVIDUAL revolving accounts and will ALSO determine the OVERALL utilization percentage by comparing the TOTAL credit limits on ALL cards, with the TOTAL balances on ALL cards, and determining the OVERALL utilization percentage.

  • Actions that POSITIVELY impact this category
    • Keeping credit card balances CONSISTENTLY low. Our recommendation is to keep balances at 10% or less of the credit limit.
  • Actions that NEGATIVELY impact this category
    • When credit card balances are too high, above 30%.

Timeline Credit Solutions Actions:
We will help to establish new credit accounts (if necessary) and train our clients on the optimum levels to keep their credit card balances. Through our monthly meetings, we also encourage and “coach” our clients to consistently maintain low balances on their revolving accounts.

Age of File

15%

15% of our credit score calculates our Age of File and Average Age of File. This calculation is done using the “date opened” of open accounts. The longer the Age of File and Average Age of File, the better for the credit score.

  • Actions that POSITIVELY impact this category
    • Keeping accounts open, especially credit card accounts, over time will develop a long age of file. One account over 7 years old or an Average Age of all open accounts that is greater than 7 years will help this category.
  • Actions that NEGATIVELY impact this category
    • Closing the wrong accounts, or not having accounts that have been open for a significant period of time, will hurt the credit score.

Timeline Credit Solutions Actions:
We will implement strategies to increase the Age of File/Average Age of File. We will also train our clients on which accounts to close and which to keep open to maintain a long credit age.

Mix of Credit

10%

10% of our credit score is our Mix of Credit. This category is looking at do we have different TYPES of accounts open. Having a strong mix of credit tells new creditors that you are capable of financially handling different types of credit.

  • Here are the different types:
  • Installment Accounts:
    • Mortgages
    • Car Loans
    • Bank Loans
    • Student Loans
  • Revolving Accounts:
    • Bank Revolving (Major Credit Cards)
    • Retail Revolving (Department Store, Gas Cards, all other credit accounts that are not major credit cards)
  • Actions that POSITIVELY impact this category
    • Having a good mix of installment and revolving accounts, paying the bills on-time and keeping credit card balances low.
  • Actions that NEGATIVELY impact this category
    • Not having ANY open accounts, or just having one type of open account.

Timeline Credit Solutions Actions:
Our program is designed to help clients achieve a good mix of credit. We have determined that at a MINIMUM a client should have:

  • 2 Major Credit Cards (Bank Revolving Account)
  • 1 Department Store Card (Retail Revolving Account)
  • 1 Installment Account

If the client does not have this minimum configuration of open accounts, then we will help them establish new positive credit.

Inquiries

10%

Anytime we apply for new credit it counts as an Inquiry. Too many inquiries will hurt the credit score.

  • Actions that POSITIVELY impact this category
    • Keep the number of inquiries as low as possible. Inquiries will stay on the credit report for 2 years. Inquiries within the last 6 months are especially negative.
  • Actions that NEGATIVELY impact this category
    • Having too many inquiries

Timeline Credit Solutions Actions:
We will help the client avoid needless inquiries by only applying for those new accounts where the client is highly likely to be approved. We will also provide training and strategies on how to avoid accumulating needless inquiries.

A.C.T. SYSTEM APPROACH TO GOOD CREDIT

ACTION, COLLABORATION/COACHING, TRAINING

Our A.C.T. System Approach to good credit is the power behind our ability to create amazing results.

Our goal is to help you take control of your financial future with the goal of achieving FINANCIAL FREEDOM so that you can create generational wealth. We provide FREE education and FREE consultation at which we will review ALL aspects of your score and what YOU can do to speed our process up!

ACTION: We take ACTION on your behalf to challenge inaccurate, unverified, and questionable items on your credit report. We dispute these items directly with the credit bureaus, and in some cases directly with the creditors, courts, and collections agencies. We dispute by correspondence (letter) only, so if the derogatory item is not removed after the 30-day investigation is completed, we re-dispute the item immediately. We dispute ALL negative items until they are removed from your account depending on how long you are enrolled in our credit restoration program.

COLLABORATION/COACHING: Our collaboration/coaching is done in the form of monthly, or “end of round” office or on-phone meetings. These meetings are where you meet one-on-one with your credit advisor. At these meetings, we will help add and manage open accounts. Our goal is to positively impact all 5 categories of the FICO Scoring model. Here is an example of how a monthly meeting is conducted:

  • Review which derogatory items were removed from your credit report as a result of our credit repair efforts.
  • Provide training on the FICO Scoring Model in preparation for a detailed discussion of your credit report
  • Using the most recent credit monitoring service credit report, analyze the credit report according to the FICO Scoring Model identifying strengths and weaknesses. You will be coached and encouraged during this period to maintain behaviors that will help your credit score.
  • If you do not have the minimum amount of open accounts, we will recommend which ones to add to your credit profile.
  • Last, we discuss our strategy for the next round and answer any additional questions you may have.

TRAINING: Through our monthly meetings we provide training to educate you on how to maintain a high credit rating even after our program is over. We want you to have a clear understanding of the different elements of the FICO Scoring Model so that credit reports and scoring are no longer a mystery. We will help you model the correct behavior throughout our program, and then train you on what to do and not to do after our program is over.

Your progress is monitored through our state of the art web-based software that enables you to keep track of the progress of your file 24/7. You can also download your credit report, view items that are in dispute, track negative items that were deleted or repair, track your credit scores and read articles that are related to credit report education.

Click the link and fill out the form.
One of our Credit Experts will contact you soon!

Guidelines

Guidelines

We adhere to the guidelines set forth in the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA).

Personalized Service

Personalized Service

TCS deals with all creditors, credit bureaus, and collection agencies for you. We got your back!

Boost Your Credit

Boost Your Credit

We focus on increasing your credit scores by removing inaccurate, negative and old items from your credit reports.

Credit Experts

Credit Experts

We specialize in consumer credit monitoring, analysis, restoration tactics and dispute methods to eliminate errors in consumer credit reports.

 Guaranteed Results

Guaranteed Results

Our fees are reasonable and we offer 100% money back guarantee.

OUR 7 STEP PROCESS THAT GUARANTEES RESULTS!

Our process is based on a proven methodology that yields results, and our knowledge and expertise in the areas of consumer rights, credit and finance, and real estate. We use in-depth credit analysis, sequencing strategies, correlation, detailed planning and proven methods to bring about predictable and proven results. Our services are specifically designed to help you rebuild your credit for a better financial future!

  • Maintain, Improve,& Monitor

    Planing

    Free initial Consultation In an effort to curb further damage, water extraction is done as soon as possible using high powered pumps and vacuums. This process also helps minimize growth of mold.
  • free intial consultation

    Planing

    Inspection In an effort to curb further damage, water extraction is done as soon as possible using high powered pumps and vacuums. This process also helps minimize growth of mold.
  • Strategy Session

    Planing

    Water removal In an effort to curb further damage, water extraction is done as soon as possible using high powered pumps and vacuums. This process also helps minimize growth of mold.
  • stop harassment From Collectors

    Planing

    Dehumidification and drying In an effort to curb further damage, water extraction is done as soon as possible using high powered pumps and vacuums. This process also helps minimize growth of mold.
  • Dispute inaccurate items

    Planing

    Repairs and restoration In an effort to curb further damage, water extraction is done as soon as possible using high powered pumps and vacuums. This process also helps minimize growth of mold.
  • Financial planing And Counseling

    Planing

    Repairs and restoration In an effort to curb further damage, water extraction is done as soon as possible using high powered pumps and vacuums. This process also helps minimize growth of mold.
  • Re-establish new credit

    Planing

    Emergency Response Inspection In an effort to curb further damage, water extraction is done as soon as possible using high powered pumps and vacuums. This process also helps minimize growth of mold.

Financial FITNESS 47

DISCOVER THE PRINCIPLES OF FINANCIAL FREEDOM

“The secret to getting ahead is getting started.”
The elusive, often difficult mystery of acquiring, keeping, and continuing to produce enough money to be able to live the life of our choosing.

WATCH! See The Financial Fitness Difference!

 

Economic affairs do not have to be boring or stressful. Anyone can enjoy learning to master personal finance with the easy-to-follow teachings of the Financial Fitness Program. But the material is so solid and comprehensive that even accounting professionals find benefit. CPAs can even earn 22.5 self-study CPE credits by completing the material in the Financial Fitness Program and passing an online exam with an IRS Ap-proved Continuing Education Provider registered with the NASBA as a QAS Sponsor of Continuing Professional Education, and the CPE credit hours satisfy or exceed the updated AICPA/NASBA guidelines on self-study CPE activated in 2014 for all 50 states and US territories.

True Financial Fitness
Begins Now!

Learn how to eliminate debt entirely in as little as 2 to 5 years! What’s required is an understanding of the principles behind the Offense, Defense, and Playing Field of personal finance.

Offense

      • Why you need to have a long-term vision
      • Harnessing the power of compounding to work for you instead of against you
      • Why investing in yourself is the best investment you will ever make

DEFENSE

      • The habits of saving and budgeting
      • The benefits of practicing delayed gratification
      • A strategic plan to get out of debt

PLAYING FIELD

      • The history of money
      • How inflation works
      • How to rate your nation’s economy

Below are Samples from the 47 Financial Fitness Principles:

Principle 2

Money is a gift. It has a specific use. This means that you have a stewardship. You are to use your money for something that matters, for your family and beyond.

Principle 11

Never sacrifice principles for money or possessions. Be honest. Keep your integrity. Keep your priorities in the right order.

Principle 21

Put some money into preparing for a worst-case scenario. Don’t be fanatical about this, but don’t ignore it either.

Principle 31

Teach your children and youth the principles of financial htness. Set the example for them. Mentoring them will help you as well as them.

Principle 42

Studying and understanding free enterprise is an essential part of financial fitness.

We Call It ”The Money Thing”

the elusive, often difficult mystery of acquiring, keeping, and continuing to produce enough money to be able to live the life of our choosing.

All The Tools You Need!

FINANCIAL FITNESS 47

With a basic understanding of these three areas, which are rarely taught together as a whole, anyone can learn to prosper, conserve, and multiply the fruits of his or her labor!

A Financial Education that involves budgeting, roll-down reduction training, planning tools, offensive game plans, teaching on how to arrange your money into a hierarchy, and even learn how your nation’s monetary policy affects your money. For only $120.00 you will get all of the following:

The Financial Fitness Program contains:

Financial Fitness Book –

The Offense, Defense and Playing Field of Personal Finance in hardcover. (Silver Medal Winner in the Axiom Business Book Awards and Bronze Medal Winner in the Living Now Book Awards)

Financial Fitness Workbook

Financial Fitness Decal

8 Audios

  • The Offense and Defense of Personal Finances
  • The Principles of Financial Management
  • Delay Your Gratification
  • Financial Matrix Money System Revealed
  • Money View + Money as a Slave
  • Camel in the Tent
  • Good as Gold
null

CONSULT FOR FREE WITH TCS CREDIT GURUS

1. 800.996.1013
Call us now