We raise credit scores.When you become our client we begin our Three Step Process.

First, we identify your personal goals and needs and devise an action plan based on your credit needs. We educate you on how credit scores work and what you can do to control your credit score and continue to manage it after you are done with working with us.

Next, we raise credit scores by protecting your rights and working with the credit bureaus and your creditors.

Finally, when we are done working with you file we will leave you in a far better position to obtain credit, pay lower rates on your current credit and give a chance for a better life for you and your family.

  WHY USE CREDIT RESTORATION & MANAGEMENT

 MONEY BACK GUARANTEE* 

NO ONGOING MONTHLY FEES

PAYMENT PLANS AVAILABLE*

MONITOR YOUR PROGRESS ON OUR WEBSITE

WE WORK ON YOUR REPORT UP TO ONE YEAR*

ALL WORK IS SUPERVISED BY SENIOR MANAGEMENT

 WE ARE AFFILIATED WITH THE NATION'S LEADING LAW FIRM ON CREDIT ISSUES

  *Ask for details on these programs

  

Frequent QuestionsHow much will you increase my credit score?Our average is over 50 points within six months, although we have been as successful as 200 points. The exact amount we are able to raise your score is dependent on your current situation and your ability to follow the advice we give.

What items can you remove from my credit report?Bankruptcies, foreclosures, collections, charge-offs, reposessions, medical bills, late payments, judgements, tax liens, student loans, incorrect addresses, inquiries, identity theft and more.

What items can't you remove?Anything that is 100% accurate and verfiable. Our average removal rate is 70%.

Will the removed items ever come back?No, as long as the item is current or paid at the time of removal or it is a collection account older than four years.

Will 100% of my negative items be removed? We have been 100% successful on many occasions. Our average success rate is around 70%

Why do results differ?We use the consumer protection laws to their fullest on your behalf. Sometimes credit bureaus, creditors and collection agencies provide all the law requires and sometimes they don't. We are completely thorough in enforcing your rights and are able to find a reason to remove a negative item from your credit report an average of 70% of the time.

What do I do to get started?Simply give us a call to go over your credit report so we can create an action plan for you.

Credit Restoration & ManagementPhone: 888.777.4146Fax: 888.490.7740Web: www.creditram.com

Credit Restoration & ManagementPhone: 888.777.4146Fax: 888.490.7740Web: www.creditram.com

Your GoalAre you buying a home? Refinancing? Is your credit score preventing you from qualifying for a loan? Are you burdened by credit card or old student loan debt?

Many home buyers believe they will never enjoy the best mortgage rates and often feel as though their real estate resources are exhausted. If you can identify with the millions of potential home buyers in America who feel they cannot get the home of their dreams, you can identify with our clients and we identify with you.

We specialize in credit restoration, credit score counseling and credit scoring solutions for consumers looking to obtain better credit by having the highest credit score possible.

Bad credit can happen to anyone and it can happen quickly. Restoring your credit is a process. With the proper help, you can get the home you want or the financing you need.

All you need is a plan.

By partnering with a credit expert, you can develop a personalized strategy designed for your personal needs.

Your PlanWe will take you through a complete process where you will always have an expert to answer your questions. After we obtain your credit report, we design a plan that best suits your personal credit needs, whether recovering from personal bankruptcy, foreclosure, collections, late payments or high interest credit card debt.

When you retain our services you will receive years of experience in removing negative credit items and credit score consulting. On average, we are able to remove seventy percent of negative claims; boosting our client\'s credit score an average of fifty points in ninety days. Our money-back guarantee ensures that if we are unable to remove at least 25% of negative items from each and every credit report, we will refund 100% of your fee.

Credit scoring is a complicated matter. We are thankful that legislation has moved more towards consumer awareness but most people do not fully understand how credit scoring works. For example, did you know that paying off an old collection can actually lower your score?

Having an expert to guide you will help you attain your credit goals.

Your SuccessWhen you have completed your time with us, you will be armed with a higher credit rating and credit lessons that will allow you to maintain and improve upon your credit in future years.

You can leave a negative credit rating behind and begin to enjoy lower monthly payments as well as thousands of dollars in interest savings.

Enjoy the luxury of lower debt payments and higher purchasing power.

Phone: 888.777.4146 Fax: 888.490.7740 www.creditram.com