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Other Firms |
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| Concentrates on the 35% of what comprises the credit score |
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| Concentrates on the other 65% of what comprises the credit score |
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| Disputes ALL erroneous information with the Credit Bureaus even if it lowers the score - SHOTGUN APPROACH |
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| Is selective about what derrogatory items to dispute to maximize the score improvement. |
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| Builds a specific plan for each client tailored to their specific circumstances |
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| Provides an attractive IDS client package filled with tips and hints on keeping and improving their credit, a finance manual and CD,etc |
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| Uses a proprietary Credit Analyzer software to maximize the start of the immediate improvement of a client's credit score |
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| Works to educate its clients, giving them the knowledge they need to maintain and manage and control their credit profile better, now and in the future. |
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| Focuses on strategies that will help its clients get approved for a home loan |
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Other Firms |
| Offers specific techniques and tools to double a client's available credit within 24 months |
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| Has implemented technically advanced database systems to ensure that they keep its clients and their mortgage professionals updated. |
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| Offers a monthly newsletter filled with suggestions and plans to maintain a stellar credit score |
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| Works with each client for 1 year and continually manage the client's score improvement |
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| Challenges Collection Agencies directly through a recital of the FDCPA law and are successful at removing current collection efforts. |
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| Disputes all derogatory items and only mails boilerplate letters to the 3 Credit Bureaus |
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| Compensates for client referrals |
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| Offers a smoke & mirrors warranty to lure the customer into buying their service even though they cannot guarantee results |
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| Analyzes the client's credit balance to credit limit and makes recommendation to improve score |
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