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www.checkonmycredit.com – HANDS DOWN the best credit repair/restoration company ever!

November 1, 2012

Friends and blog followers, I have personally used Pat and Credit XP (www.checkonmycredit.com) twice when I have purchased homes.  I was able to improve my score considerably which resulted in a lower interest rate and thousands of $$$ in interest savings.  They have helped many of my own clients fix their credit issues and turned dead deals into commissions!

SEE A SAMPLE OF THE BEFORE AND AFTER BELOW.  Check out the tradelines that were deleted during the process!

 

Credit Report – Credit Score – Credit Analysis
Create your account and get a 3 in 1 Credit Report from Trans Union, Experian, and Equifax with Triple FICO Scores plus Credit Analysis of your accounts for $34.98

Creditxp Credit Analysis™ Automatically scans and examines your credit report using Creditxp advanced technology providing you with potential errors and improvements to be made on accounts. Identifies inaccuracies and erroneous accounts giving you the best combinations of actions to maximize your credit score.

Creditxp Rapid Dispute™ Credit dispute is provided as a SaaS (Software as a Service) at the click of a button! On-line electronic dispute of your COMPLETE credit file disputing to all major credit bureaus.
Creditxp Credit Comparison™
Once you have disputed your credit report knowing what has been removed and updated can be very difficult. Our proprietary comparison program allows you to purchase a new credit report which automatically compares the old report to the new report showing you exactly what was corrected.
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Here’s a note from Patricia Thomas with www.checkonmycredit.com:
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 I bet you have heard this before; a credit repair company trying to get your business and they say something like this: “You get what you pay for “ since the credit repair company’s charge WAY TOO MUCH; well yeah you do get what you pay for, our system of Check On My Credit was over $300K to build.  The typical credit repair person paid for their cheesy site and possibly their business cards. No comparison! If you refer your Clients to the typical credit repair company then your Clients are paying too much for what they get.

The system of Check On My Credit was developed and built back in 2003 by Creditxp that saw a need. The complexity of the system and the knowledge base that is built in the system is what sets this system apart from the rest. We do not know of any other system out there like it, so we can honestly say this is the only system out there in the industry. We built the system that would be one affordable and two successful to address credit challenges for the Consumers.

Here is a brief summary of our system:
Root of the problem is that the collection agencies are constantly in violation of how they are reporting the information on the Consumers credit reports that affect the scores.  That is the key to our system, we address on a compliance level.

The system takes in the raw data from the credit report like the subscriber codes of each creditor that has reported to the Bureaus(Experian, Equifax,TransUnion) and takes in each line how they reported the information for each and every account.  The system automatically detects all the violations per account to address on the investigation submitted by our system directly to E-Oscar system (normally about 7 violations per account). To understand what violations are: not reporting charge off date right is a violation, not reporting original creditor is a violation, not reporting original account number is a violation, the list goes on…… That creditor has to abide by the rules and regulations that the Federal Trade Commission put in place on how they are reporting. Report it accurately regardless if it is owed. For example the date of last activity being reported inaccurately (the number one violation) it should be  original creditors charge off date. We all know these collection agencies are not reporting accurately, they put the charge off date as recent so they will more likely get paid on the debt they purchased .5 cents on the dollar from that original creditor. Our system is the only one that goes after the creditors reporting deceptively. This system goes  to the root of the problem not like your typical credit repair company that just dispute the account and causes more trouble down the road because they dispute everything leaving the “In Dispute remarks” all over the files. We address it on a whole different platform light years ahead of any other credit repair company.

We are very proud of the Check On My Credit System and constantly improving it keeping it two steps ahead of the changes happening daily in the industry.

Comparison
Check On My Credit charges $34 for the credit analysis report with FICO scores and $49 fee to submit the investigation to the credit bureaus. Your Client get’s a secure login to view the file and scores and a built in comparison feature along with FTC violations feature that is submitted with the investigation. Your Clients get an Advocate to review the report with them to explain what they can do to help increase their scores. For example: help them create secure credit, review which accounts to pay down, if Public Records issues are on the report how to get those addressed.   No monthly fee’s – No big set up fee – 24-7 access to the secure system – Nationwide – Secure On-Line access – Wholesale level you can have Pipelines – Built in CRM – See when your Clients have reached the score needed to qualify (typically a Client can reach the scores needed within 45- 90 days).

Other Credit Repair charges $500.00 (average) sometimes they have a monthly fee of $79 (average)
What do you get? No secure system like ours – they send dispute letters to the credit bureaus (stone age) – your Clients have to send the letters they get from the Bureaus back (pain). The credit repair company’s that charge a monthly fee (residual) they do not want to get these files done quickly so they address a few derogatory accounts per month to make sure they get paid next month.

I hope this helps you understand our system of Check On My Credit and how to compare it now to the credit repair company’s that charge too much to your Clients. How about put that money your Clients are  saving  towards creating secure credit or paying down balance’s and how about saving that money for closing cost.


Patricia Thomas
469-361-2206 ext. 101
1-877-851-4190 Toll Free

RReport Comparer

Report   details
Report   status Completed Pending
Credit   Report Date 22   Oct 10 22   Dec 10
CreateDate 22   Oct 10 22   Dec 10
Experian 568 610(+42)
Trans   Union 500 625(+125)
Equifax 516 649 (+133)
Operation   count 47 30
Operation   State statistic
ACTION 4 1
ATTENTION 3 1
VALIDATION 22 14
DUPLICATE 5 2
CLOSED 9 9
HISTORY 1 1
GOOD 1 2
TERM 2 0
Operations
1 IBC   BANK
01   Jan 00    #15
VALIDATION VALIDATION
2 WFNNB/NY   C
01   Mar 04    #1109
CLOSED
3 RADIO/CBSD
01   Apr 04    #3947
CLOSED CLOSED
4 ZALES/CBSD
01   May 04    #60352
CLOSED CLOSED
5 SEARS/CBSD
01   Feb 05    #51
VALIDATION VALIDATION
6 M   I BANK
01   May 05    #433
VALIDATION
7 SEARS/CBSD
01   Jul 05    #504
VALIDATION VALIDATION
8 CHASE
01   Oct 05    #5466
CLOSED CLOSED
9 GEMB/GAP
01   Feb 06    #6018
DUPLICATE VALIDATION
10 P   AMER UNI
01   Jul 06    #ED457
VALIDATION ATTENTION
11 GEMB/DILLARDS
01   Oct 06    #6045
DUPLICATE DUPLICATE
12 CAP   ONE
01   Jun 07    #517
VALIDATION VALIDATION
13 P   AMER UNI
01   Jun 07    #ED4576
CLOSED CLOSED
14 P   AMER UNI
01   Aug 07    #ED457
CLOSED CLOSED
15 UT   PAN AMER
01   Oct 07    #ED457
VALIDATION CLOSED
16 CHRYSLER   FINANCIAL
01   Feb 08    #1005
CLOSED CLOSED
17 WFNNB/VCTRIA
01   Nov 08    #279
VALIDATION VALIDATION
18 PLAINS   COMME
01   Aug 09    #41853
CLOSED CLOSED
19 P   AMER UNI
01   Jan 10    #457
VALIDATION VALIDATION
20 COSTEP   STL
01   Nov 10    #118
VALIDATION VALIDATION
21 COSTEP   STL
01   Nov 10    #118
VALIDATION VALIDATION
22 CIT   BK/DFS
01   Nov 10    #87945
VALIDATION
23 SALLIE   MAE
01   Nov 10    #01691
HISTORY HISTORY
24 ACS/SO   TX HEA/SER
01   Nov 10    #4
VALIDATION VALIDATION
25 US   DEPT ED
01   Nov 10    #45
DUPLICATE DUPLICATE
26 COSTEP   STL
01   Nov 10    #39
VALIDATION VALIDATION
27 TNB   – TARGET
01   Dec 10    #460
GOOD GOOD
28 MERRICK   BANK
01   Dec 10    #395
VALIDATION GOOD
29 TALBOTT   COLL
01   Jan 00    #250
VALIDATION DELETED
30 NCO   FIN /99
01   Jan 00    #829
VALIDATION DELETED
31 ASCENT
01   Jan 00    #5172
DUPLICATE DELETED
32 TALBOTT   COLL
01   Jan 00    #66
VALIDATION DELETED
33 PUMP   24 HOUR FI
01   Jan 00    #876
VALIDATION DELETED
34 RADIO/CBSD
01   Jan 00    #7378
TERM DELETED
35 LVNVFUNDG
01   Jan 00    #5079
DUPLICATE DELETED
36 WFNNB/NEW   YORK COMPA
01   Mar 04    #153
CLOSED DELETED
37 M   I BK
01   May 05    #4191
VALIDATION DELETED
38 UT   PAN AMER
01   May 06    #EN11
VALIDATION DELETED
39 WFNNB/EXP
01   Oct 06    #5806
CLOSED DELETED
40 WFNNB/EXPRESS
01   Oct 06    #30
VALIDATION DELETED
41 EAF   LLC
01   Aug 09    #CAPITAL   5
ACTION DELETED
42 ENHANCED   RECOVERY CO L
01   Jun 10    #
ACTION DELETED
43 NCO   FIN/22
01   Jun 10    #3
ATTENTION DELETED
44 BUREAU   OF COLLECTION R
01   Jul 10    #413
ACTION DELETED
45 WEB   BANK/DFS
01   Sep 10    #141
VALIDATION DELETED
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