If you want to automate the process of selecting the type of program that is better suited for your Clients, SX3 offers a catalog of "Programs and Fees". Under this section, you can specify values like first month's fee, recurrent monthly fee, minimum program term (if any), cancellation fee (if any) and maximum number of accounts per program. This way you can create an array of programs that will automatically be available during the initial Client interview.
It takes time as a business owner to reach maximum efficiency, but one thing you can do right away is to have the right software in place. The software lets you automate certain tasks, especially time-consuming jobs like entering data or searching for specific credit information. As a credit repair professional, the right software will save you time and allow you to maximize the profits from every client.
Credit scoring models usually take into account how much you owe compared to how much credit you have available, called your credit utilization rate or your balance-to-limit ratio. Basically it's the sum of all of your revolving debt (such as your credit card balances) divided by the total credit that is available to you (or the total of all your credit limits).
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Disclaimer: TurboDispute has no affiliation with the credit bureaus. TurboDispute LLC is not a Credit Repair Organization and does not provide credit repair services or financial or legal advice. TurboDispute’s intended use is to help you automate the time-consuming process of creating dispute letters to help you communicate with credit bureaus, original creditors, collection agencies, chexsystems, telecheck and provide you with educational materials. You may use the software to challenge credit items identified as inaccurate, misleading, or unverifiable, but no consumer has the right to have accurate, current, and verifiable information removed from a Credit Report. Further, you must make sure that you do not send any dispute letter or form, which contains any untrue statement of fact about your customer’s situation. This product provides certain information about the law. But legal information is not the same as legal advice -- the application of law to an individual's specific circumstances. We recommend you consult a lawyer if you want legal advice applicable to your situation or how the Software and this information may apply to you.
*Ranking information is based on a compilation of reviews from the following third-party review sites: Bestcompany.com, Credible.com, BadCredit.org, and TheCreditReview.com. Credit.com has examined each review on the third-party sites listed and compared those sites' findings with the individual credit repair services' websites to derive the Credit.com reviews shown here.

If you have errors, especially inaccurate negative information, on your credit reports, you can see changes to your credit scores fairly quickly. Credit reporting agencies have to respond to disputes within 30 days, although some can take 45 days. And if the credit reporting agency sides with you, it must remove the mistake immediately. In a 2012 Federal Trade Commission study on credit report accuracy, four out of five people who disputed an error on their credit reports had a modification made to their reports.
“A good credit repair company will scrub 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,” Padawer said.
Set up automatic payment reminders. Paying your bills on time is the most important factor in figuring up your credit score. Setting automatic deductions from your banking account for house and automobile payments, utilities, and credit cards will help you make timely payments. If auto payments aren't possible, set payment reminders on your calendar or budgeting software.
Reducing your balances on credit cards and other revolving credit accounts is likely the better option to improve your credit utilization rate, and, subsequently, your credit scores. Consistently making on-time payments against your debt will also help you build a positive credit history, which can have additional benefits for your credit history and, by extension, your credit scores, too.
In 1993, the Financial Counseling Association of America (FCAA) was founded as an alternative to the NFCC. The FCAA focuses on some of the newer technologies and allows counseling by phone and online. Consequently, credit counseling agencies can reach a wider geographical area. CCCS agencies may be a member of the NFCC or the FCAA but aren’t required to operate under either organization.

We are constantly improving our software, adapting it to the changes of the Credit Repair Industry, Federal and State regulations and to cover important requirements from our existing Clients. As part of what is included with the software’s monthly access fee, you will receive all the updates released every month. These updates may include new functions, modules, reports and Dispute Wizard Content.
Although a debt settlement company may be able to settle one or more of your debts, these programs can be very risky and have serious negative financial consequences for consumers. Additionally, some debt settlement companies deceive consumers by making promises they do not keep and engaging in other illegal conduct (like charging fees before obtaining any settlements, in violation of the TSR). For information, read Coping with Debt and Settling Credit Card Debts.
For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. We show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of the product as stated by the issuer itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
You've probably seen advertisements for credit repair on television or heard them on the radio. Maybe you've even seen credit repair signs on the side of the road. You don't have to hire a professional to fix your credit. The truth is, there is nothing a credit repair company can do to improve your credit that you can’t do for yourself. Save some money and the hassle of finding a reputable company and repair your credit yourself. The next steps will show you how.
You can improve your FICO Scores by first fixing errors in your credit history (if errors exist) and then following these guidelines to maintain a consistent and good credit history. Repairing bad credit or building credit for the first time takes patience and discipline. There is no quick way to fix a credit score. In fact, quick-fix efforts are the most likely to backfire, so beware of any advice that claims to improve your credit score fast.
With poor credit, you may not be able to get approved for new credit products like credit cards. Although you may still be able to take out an auto loan or a mortgage, you’ll pay a much higher interest rate because of your low credit score. Compared to a borrower with good credit, someone with poor credit can pay $50,000 more in interest on a mortgage. Over an entire lifetime, you could end up paying over $200,000 more in unnecessary interest just because of bad credit.
It takes time as a business owner to reach maximum efficiency, but one thing you can do right away is to have the right software in place. The software lets you automate certain tasks, especially time-consuming jobs like entering data or searching for specific credit information. As a credit repair professional, the right software will save you time and allow you to maximize the profits from every client.
If you pay a charge-off in full, your credit report will be updated to show the account balance is $0 and the account is paid. The charge-off status will continue to be reported for seven years from the date of charge off. Another option is to settle charge-offs for less than the original balance if the creditor agrees to accept a settlement and cancel the rest of the debt.
Work on your clients Experian, Equifax and TransUnion personal credit. Manage your entire credit repair business from anywhere. TurboDispue is a Cloud-based business to business credit repair CRM software that you can access at any time from any device will make you more efficient. You’ll be able to serve clients faster and take on more business, all without sacrificing quality of service.
When looking into credit repair business training, advisors should make sure they are gaining the tools and resources need to manage a credit repair business successfully. Advertising, compliance, marketing, sale and operations management should be key aspects in your training and education. Customer service is also an essential direction to a successful credit repair business, and learning as much as you can about the credit repair industry will help you to gain valuable and reliable customers. - Enfold WordPress Theme by Kriesi
Experian Boost™ is another way for people with a poor or limited credit history to get ahead. Many times, these people will have a positive, consistent record of paying utilities on time, but those payments aren’t being included in their credit profile. Experian Boost™ allows people to include this payment history to their credit score. Best of all – it’s completely free.
TurboDispute software provides separate settings to control different aspects of your business. You have dashboards for Customer Management, Referral Management, Affiliate Management, Account Management and Dispute Letter Management as well as Software Customization. We know that every company is unique in their own way, and that is why we created a system that reflects that. In seconds you can customize drop downs and other software variables on credit report statuses, customer statuses, dispute instructions, add your own dispute reasons Individualize your own account statuses, account types, dispute statuses, letters, user privileges and much more.
Your clients will have 24/7 access to their agreements, attachments, credit repair status, dispute history—everything they need to stay informed. Credit repair progress charts and graphs will allow your clients to view the status of their profile in an easy to understand format. No more phone calls asking “what is the status and progress”, your customers can log in and have real-time access to status and daily progress.

Seek help if you want it. You can dispute credit report errors yourself, but for some people, the process is stressful. If you feel overwhelmed, you can hire a credit repair company or law firm to help. Note that a professional credit repair firm will charge a fee for its services. A good credit repair company will never promise a “300-point jump in your scores!” In fact, that’s illegal. Instead, the company should be upfront about what they can do and will take payment only after they’ve helped resolve your situation.
UPDATE: The Alternative Loan Machine is actually fixing the issue for me now. Apparently the problem was during the period when they were switching from beta testing to going live. Their communications were down while they were transferring everything over to their new system. They’ve since contacted me and are assisting in getting my refund back from the vendor I hired through them, so everything’s getting taken care now. They are at this time doing everything they advertise themselves doing.
This includes a complete set of features that enable Credit Repair Organizations who have Processing Centers to create Remote Offices, Branches or Independent Credit Repair Affiliates. With the Processing Center Edition (Included in all versions of SX3 Credit Repair), users can easily configure representation agreements "per Branch Office" which allows the use of different Company names, contact information, logos, etc.
Write a letter to the specific credit reporting agency that shows the falsehood, whether it is Experian, Equifax, or TransUnion. Explain the mistake and include a copy of the highlighted report along with your documentation. Although certain bureaus now let you submit disputes online, it’s not a bad idea to send this letter by certified mail, and keep a copy for yourself. The reporting agency has 30 days from the receipt of your letter to respond. The Federal Trade Commission provides advice on contacting the credit bureaus about discrepancies. Here are the contact numbers and web sites for the three credit bureaus:

Write the various reporting bureaus with the explanation of your circumstances and ask for removal of the item. If they are not willing to remove the information, you have the right under the Fair Credit Reporting Act to attach personal statement (up to 100 words in most states) explaining the circumstances. Depending upon the type of information reported by the bureau, your credit record and score may be affected up to ten years.


Pay off debt rather than moving it around: the most effective way to improve your credit scores in this area is by paying down your revolving (credit card) debt. In fact, owing the same amount but having fewer open accounts may lower your scores. Come up with a payment plan that puts most of your payment budget towards the highest interest cards first, while maintaining minimum payments on your other accounts.
When you apply for credit, it results in a hard credit inquiry on your credit report. And any hard inquiry into your credit slightly dings your scores. As hard inquires fade into the past, they have less impact. A year is generally when a hard inquiry begins to stop hurting your credit scores. Bottom line: Apply for new credit only when needed. Don’t be lulled by the offer of a discount to open a new charge card at virtually every store you shop at.
The credit bureau usually has 30 days after receiving your dispute to investigate and verify information. Typically, the credit bureau will reach out to the company that provided the information and ask them to investigate. The credit bureau is required to send you the results of the investigation within five business days of the completion of the investigation.
Call us today to schedule a personalized live online demo of the SX3 Credit Repair software. We do not do webinars with attendees from multiple Companies, we do our demos person-to-person in private sessions. Our knowledgeable software specialists will show you the many ways SX3 Credit Repair software can streamline the processing of your cases and the supervision of your employees.
Another reason to start your own credit repair business is that you can set the price you want to charge per customer and scale your business to as large as you want. You can either choose a pricing method such as a monthly service fee or pay per deletion. You will have the freedom to work anywhere in the world because you will be what we call an online credit repair internet company. You don’t even need a physical office to get started as most consumers are now familiar with doing business online without meeting in person.

Advancements in technology make it much less difficult for credit repair businesses to quickly start operating a successful credit repair business. The latest software that people use in this industry is all “cloud-based,” and automates most credit repair related tasks. Thus, you can spend more time marketing and serving your customers. Also, an easy to use customer management screen will make it easy to find any customer’s credit repair history in one place.
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