How Our Credit Services Work
No matter what, you’ll get a free professional review of your credit reports with your free, initial consultation. We consider it a public service! We’ll also develop a plan of action for fixing and improving your credit reports and credit scores — whether or not that includes our paid services. From there, if we both decide our services are a good fit for you, we’ll provide you a much more detailed, in-depth Credit Audit. We leave no stone unturned!
Our credit repair gives you the headstart you need by disputing your negative accounts for you. We’ll attack every bad-credit item that appears to be potentially in error. Finally, while we work on your credit history, our credit consultants will provide you all of the tools and guidance you need to begin building new, positive credit. This will enable you to secure your financial well being long after you graduate from our services.
We will perform a professional review your Equifax, Experian, and TransUnion credit reports. This includes a detailed investigation for any incomplete, out-of-date, or potentially incorrect information that can be disputed.
Our credit expert will also create a custom, comprehensive plan to improve your credit. This plan will reflect the strengths and weaknesses of your credit profile, as well as incorporate your financial goals.
At the end of your credit audit, you’ll receive a copy of your action plan and a full report outlining all of your negative accounts, their potential errors, and how they can be leveraged to improve your credit scores.
We understand that improving your credit quickly is likely a serious concern for you, especially if you’re waiting to close on your dream home. You’ll receive results in as little as 30-45 days. We do everything we can to correct as many errors as possible, as fast as possible. We will craft customized disputes for all the negative items on your credit reports and send them on your behalf to the credit bureaus — at no charge to you.
Many of our clients have negative items removed on the first try! But if your goals are not reached, we will continue to escalate your disputes at no extra charge. At every stage, we will re-audit your credit reports for free. If needed, we will contact your creditors and collection agencies directly and use advanced tactics to get persistent errors removed.
Having positive is just as important as removing derogatory accounts. We help you get approved for positive credit that will help you rebuild your credit profile so you can accomplish your financial dreams.
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What to Expect
During your Credit Analysis, we review your credit report for inaccuracies, errors, balances, and depth of credit to develop a personalized roadmap to improving your credit.
Get your personalized credit analysis within only 2 to 3 business days.
After credit analysis, we will equip you with knowledge of what steps you can take in the process, and the tools you need to take them, so we can reach your goals together.
We Resolve by challenging any and all errors, inaccurate information and unverifiable items that are on your credit report.
Next we send the first round of dispute letters within 5 business days.
Credit bureaus have 30-45 days to respond.
After we receive the results it takes 2-3 business days to log results and escalate the process to the next round.
After we audit your results, we initiate a reinvestigation of remaining accounts escalating the dispute process with creditor direct disputes or consumer protection services.
During a reinvestigation, the credit bureaus and creditors have 30 to 45 days to perform their investigations and respond.
After the dispute process has been completed it is time to for you to graduate from our services and take full advantage of your improved credit! It takes an average of 6-9 months.
CREDIT ANALYSISDue at Signing
- Outdated accounts
- Inaccurate information
- Wrong personal information
- Review installment and revolving accounts that have high credit utilization
- Have accounts updated/made current
- Create a plan for correcting or removing inaccurate information
- Create a plan for increasing the credit score based on the five elements of a good score
- Create a plan for maintaining a good credit score
- Provide a phone consult to go over the plans and information
- Provide a report detailing all of the information listed above
- Access to a step-by-step audio and video course that explains how to raise your credit score
- Access to step-by-step audio and video course that explains how to rebuild credit
Credit Repair+ VIP CREDIT IMPROVEMENT COACHING
- Your client file will be analyzed and reviewed
Vindaah Lovely Saintcilien
I went to Depina credit solutions with very poor credit and poor knowledge of the importance of credit. Immediately- I start seeing changes in my credit. They educate me on ways to improve my credit scores and maintain them..they thought me healthy ways to use my credit. They are the best. I recommend them to everyone. I am very happy with my results.
Arthur is my go to guy for any credit related matter! I can always count on him for great advice and tips on maintaining excellent credit! I have learned a great deal from him and appreciate his exceptional services. Arthur is a great teacher and I admire his passion and strong worth ethic!
Arthur is the best! He educated me on everything I needed to know in order to make better decisions later. He is a complete credit expert. I started seeing improvements to my credit in less than 3 months! I highly recommend his expertise. You cannot go wrong in entrusting this man with your credit!
I've started working with Depina Credit Solutions and from day one, they have been extremely helpful, knowledgeable and easy to work with. Reasonable prices with great results. I know once they have finished their work on my case, I'll be buying a mansion, a Lamborghini and everything else!! Check them out asap!!
When I first approached Depina credit solutions I was completely lost about what do to and how to improve/ fix my credit score! Arthur guided me and explained everything I needed in order to get a great credit score!!! Strongly recommend him to everyone.
Arthur is awesome, always so attentive and has great advice. Very honest individual that goes above and beyond for his customers. I wish I found you sooner! Thanks for all your hard work!
Maria Dos Santos
Excellent customer service and returns phone calls soon as possible and explains everything step by step. Love it!!!
Absolutely amazing. They are dedicated to their clients, always checking in and sending helpful resources and advice on fixing but most importantly MAINTAINING and BUILDING good credit!!!!!
Extremely knowledgeable and great Customer Service!
Attention to detail, knowledgeable and professionalism is what you get when you work with Arthur and Depina Credit Solutions!