Credit Repair

Don’t let a few mistakes with your credit continue to hold you back.  Infinite Financial Services  helps people get back on track by repairing  their credit and moving on to  living the life they want, free of the financial limitations associated with bad credit.

Credit repair leverages your legal right to three standards:

  • Credit reports must be 100% accurate,
  • Credit reports must be documented entirely fair
  • Credit reports must be fully substantiated

Too many lesser credit repair companies skip over those last two standards—which involve communicating with your creditors—in favor of depending on simple credit bureau disputes by themselves.  

IFS does things differently.

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We go  beyond the dispute process by scrubbing 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.

Your credit score is a key factor in determining the interest rates you pay for auto loans, mortgages, credit cards, apartment renting, and more. Your score even affects your job status with your employer or future employer as well. Your credit is everything.  Fortunately, we have years of experience restoring credit and giving our customers back their financial freedom.

Repairing your credit increases your buying power, lowers your interest rates and in turn means lower monthly payments and more money in your pocket!  We guarantee a full refund if we do not achieve results within 2-4 months.

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.  Credit 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.

what makes up a credit score?

  • Payment History
  • Debt Ratio
  • Credit Length
  • Credit Type
  • Inquiries

These are the factors every credit bureau uses to determine your credit worthiness and ultimately your credit score.

what is a FICO score?

  • A FICO score is a credit score developed by FICO, a company that specializes in what’s known as “predictive analytics” : they take information and analyze it to predict what is likely to happen.  
  • In the case of credit scores, FICO takes credit information and uses it to create scores that help lenders predict your future behavior, such as how likely someone is to pay their bills on time (or not) and if they are trustworthy enough to handle a larger credit line.
  • Scores developed by FICO can also be used to forecast which accounts are most likely to be the most profitable and which are likely to become included in bankruptcy.
  • Credit-based insurance scores, which FICO also creates, are used to help insurance companies identify which customers are least likely to file claims.

what are the steps in the credit repair process?

  • Call us today to set up an appointment for a free 30-minute consultation with no contracts or obligations.  We will review your credit situation and discuss options on how to get your credit to a 700 FICO score or better!
  • Retrieve a copy of your credit report (which you are entitled to for free) or we can assist you in generating a copy of your credit report.
  • Once we receive your credit report, our subject matter experts perform a comprehensive evaluation of your credit report.
  • Our team then prepares your individualized credit repair plan and the intended approach for improving your credit score.
  • We provide a fixed-price credit repair fee with a money back guarantee.  If you choose to proceed, we will sign a service agreement and finalize payment terms.
  • We will list all the negative accounts on your credit report.  We are only responsible for repairing items on the original provided credit report.  Any new items that appear after the service engagement begins will not be the responsibility of the credit repair team and additional fees may apply.
  • Leveraging your individualized credit repair strategy, we begin the dispute process against these negative accounts using our proven programs and dispute strategies combined with our years of experience exercising clients’ credit rights.
  • You will begin to receive notices from the credit reporting agencies which must be forwarded to us within 5 days of receiving them.  These letters are a critical component to winning the dispute process and must be leveraged in a time sensitive manner.
  • We are highly successful in removing negative accounts in a single round.  Should more information be required, we send additional degrees of dispute as permitted as part of your second round credit repair strategy.
  • Depending on your credit situation, your individualized credit repair strategy may contain several dispute rounds exercising your legal credit rights and getting you back to financial freedom.

beyond credit repair

There are a lot of reasons that your credit may be in rough shape. Most are typically related to personal spending habits but many of life’s natural course can also be dragging you down.
And, if you missed a few payments or your debt levels are too high—think over 30% of your total available credit limits – repairing your credit won’t help you in the long-run. You will have to make some changes to maintain your improved credit scores instead. And you may consider waiting a bit before jumping into too many large purchases.
Most negative information can take up to seven years to age off of your credit report, though the effects on your credit score will lessen over time, so long as no new late payment or derogatory records  emerge.
That shouldn’t stop  you, however, from getting your credit repaired and getting started on a new path to financial freedom. Remember, a bad credit score can cost you some serious cash. Over your lifetime, you can lose hundreds of thousands of dollars to a bad credit score. That’s a pretty shocking number, and it should be.
Bad credit means higher loan interest rates and higher insurance premiums and that all adds up over the years. Bad credit can hold you back from achieving major life goals like buying a house, going back to school, taking a dream vacation, or even retiring when you want. Fortunately, you aren’t stuck with your bad credit forever.
All you have to do is call us today and take the first steps towards a better credit score through IFS
how can we help you?

Contact us at the IFS office nearest to you or submit a business inquiry online.

You helped my family professionally twice and I am very pleased with your work ethic. Our experience at IFS was great! Thanks guys!

Richard Fernandez
Miami, FL

Ready to get the credit score you deserve?

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