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WELCOME TO FINANCIAL OVERCOMERS
We're excited about helping you achieve your financial dreams and goals
Our FREE consultation puts all of our clients at ease
Good news...your best credit score starts here
WE APPRECIATE REFERRALS
We Offer A $50 Referral Bonus for New Clients
OUR DISCOUNTS ARE GREAT FOR YOUR BUDGET
Friends and Family (2 or more new clients enroll together)
Veterans and Active Military
Full-Time Students
EVERYONE HAS FINANCIAL DREAMS AND GOALS
What credit score do you need to achieve each one of yours?
TELL US ABOUT YOURSELF
What type of work do you do?
Do you currently rent or own?
WHAT ARE YOU CURRENTLY INTERESTED IN?
Purchasing a car or a home now or in the near future
Obtaining credit cards, student loans or better interest rates
Making other decisions that affect your finances
Being better prepared financially in general
MOST IMPORTANTLY, LET'S TALK ABOUT YOUR CREDIT REPORT
When was the last time that you reviewed your credit report?
Do you know what's wrong with it?
Are you aware of any mistakes or inaccuracies?
How much credit card debt do you have?
Are you past due on any accounts that get reported to the credit bureaus?
Have you ever filed for bankruptcy or had a foreclosure?
What type of work do you do?
Do you currently rent or own?
WHAT ARE YOU CURRENTLY INTERESTED IN?
Purchasing a car or a home now or in the near future
Obtaining credit cards, student loans or better interest rates
Making other decisions that affect your finances
Being better prepared financially in general
MOST IMPORTANTLY, LET'S TALK ABOUT YOUR CREDIT REPORT
When was the last time that you reviewed your credit report?
Do you know what's wrong with it?
Are you aware of any mistakes or inaccuracies?
How much credit card debt do you have?
Are you past due on any accounts that get reported to the credit bureaus?
Have you ever filed for bankruptcy or had a foreclosure?
#1 Free Consultation
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LET'S TALK!
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The Fair Credit Reporting Act is federal legislation that promotes the accuracy, fairness and privacy of information contained in the files of consumer reporting agencies, and these laws work in your favor. Our Credit Repair & Coaching plans are based on a proven process that is designed with your success in mind. This includes:
- Credit Monitoring Service
- Credit Audit & Analysis Report
- Client Portal Access & Online Agreement
- Limited Power of Attorney and Dispute Letters
- Weekly Or Monthly Billing to Fit Your Budget
- Assistance From Our Client Success Team
- Replies From The Credit Bureaus Within 30-45 Days
- Financial Coaching To Maintain Higher Credit Scores Going Forward
#2 Credit Monitoring Service
Credit monitoring companies provide the data from all 3 credit bureaus for the initial Credit Audit & Analysis Report. After the credit repair process has been started, they also provide updated credit reports and scores on a monthly basis. Daily and monthly alerts notify consumers when there are changes to their credit reports. Any unauthorized activity can be reported and investigated as quickly as possible.
Please note that:
FICO vs. VantageScore
Please note that:
- Opening an account for credit monitoring does not affect your credit reports or scores
- A monthly subscription is required during your credit repair process (although some companies may offer a short-term trial with a discount)
- This service is usually a separate charge, however it can also be included in our monthly fee
- Please pay all credit monitoring charges on time each month
- Late payments for your credit monitoring service will delay our work, resulting in our company charging you a $99 re-enrollment fee to continue your credit repair and coaching plan
- Maintaining a credit monitoring account both during your credit repair process and also in the future will help to quickly identify unauthorized activity on your credit reports
- After your credit repair process has been completed, we encourage you to continue this service as part of your overall financial health and wellness
FICO vs. VantageScore
- Lenders determine the credit scoring models that their companies use
- This includes FICO, VantageScore and many others
- One of our Enrollment Specialists will gladly assist you with selecting your credit monitoring plan
MY SCORE IQ
This credit monitoring service uses FICO scores and is recommended for clients that have a specific financial goal in mind including a house, a car or another type of major purchase
This credit monitoring service uses FICO scores and is recommended for clients that have a specific financial goal in mind including a house, a car or another type of major purchase
IDENTITY IQ
This credit monitoring service uses VantageScore for clients that are simply interested in being better prepared financially in general
This credit monitoring service uses VantageScore for clients that are simply interested in being better prepared financially in general
CREDIT HERO SCORE
This credit monitoring service also uses VantageScore for clients that are simply interested in being better prepared financially in general
This credit monitoring service also uses VantageScore for clients that are simply interested in being better prepared financially in general
**PLEASE LET US KNOW WHEN YOU HAVE ORDERED YOUR CREDIT MONITORING SERVICE**
#3 Credit Audit & Analysis Report
After ordering your credit monitoring service, we will generate your Credit Audit & Analysis Report. This is a valuable tool that provides an overview of your credit as potential lenders see it today.
Credit Repair Tips
- It helps us develop recommendations for removing negative items from your credit reports
- It also includes advice for implementing good financial habits
- Please refer to this report frequently throughout your credit repair process
Credit Repair Tips
- Our recommended action plan will help you obtain maximum results (click here for Credit Repair Tips)
#4 Client Portal Access & Online Agreement
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CONGRATULATIONS, IT'S TIME TO SIGN YOUR AGREEMENT IN THE CLIENT PORTAL
This document authorizes us to dispute negative items with the credit bureaus and credit furnishers on your bahalf.
It includes:
This document authorizes us to dispute negative items with the credit bureaus and credit furnishers on your bahalf.
It includes:
- The processing fee for your enrollment
- Monthly payments that begin 30 days after we start reviewing your credit reports (or weekly payments that start 7 days after enrollment for the weekly payment plan)
- A 100% money back guarantee and the option to cancel (click here for Frequently Asked Questions)
- The other contractual terms that are important to review
HOME tab
A LIST OF ACCEPTABLE DOCUMENTS FOR ALL 3 CREDIT BUREAUS (click here)
SECURE MESSAGE CENTER
- Upload your Photo ID (driver's license, state ID or passport)
- Upload your Proof of Address
A LIST OF ACCEPTABLE DOCUMENTS FOR ALL 3 CREDIT BUREAUS (click here)
SECURE MESSAGE CENTER
- Please upload all other requested documentation for the Credit Repair & Coaching plan that you selected
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IMPORTANT: On the HOME tab
IF YOU ENROLLED WITH MY SCORE IQ OR IDENTITY IQ ***DO NOT ENROLL FOR CREDIT HERO SCORE***
IF YOU ENROLLED WITH MY SCORE IQ OR IDENTITY IQ ***DO NOT ENROLL FOR CREDIT HERO SCORE***
STEP 3: IF YOU ENROLLED WITH MY SCORE IQ OR IDENTITY IQ ***SKIP THIS STEP***DO NOT ENROLL FOR CREDIT HERO SCORE***
SETTINGS tab
- Changing your password is optional
- Select your report provider (you most likely enrolled with either MyScore IQ or Identity IQ)
- Provide your user name, password, phone number and security word for credit monitoring, then select Update
- Select your digital signature, then select Update (this will be used on all of the disputes that we submit to the credit bureaus and credit furnishers on your behalf
#5 Limited Power of Attorney and Dispute Letters
After completing your enrollment, we will provide you with a Limited Power of Attorney to notarize and return to our office. After this document has been received, we will start corresponding with the credit bureaus and other third parties on your behalf. When we send the "first round" of dispute letters to the credit bureaus and the credit furnishers, this is referred to as "first work" documents.
- It is recommended to only include 3-5 disputes at a time so that they can be properly investigated
- The first disputes will also include your identification, proof of address and social security card (these documents were uploaded during enrollment)
- The credit bureaus and credit furnishers will start their investigations upon receipt of each dispute
- After receiving replies for the first round of letters, we will continue sending letters until replies have been received for all of your disputes
#6 Weekly Or Monthly Billing to Fit Your Budget
After the first round of letters have been sent, you will receive our first weekly or monthly invoice
- Your first payment is due every 7 days after enrollment for the weekly plan or within 30 days after enrollment for the monthly plan
- Subsequent payments will be due on the same day each week or each month until your credit repair process has been completed
- The time period for completing our work is usually 6-12 months, depending on the number of negative items that are included on the Credit Audit & Analysis Report
#7 Assistance From Our Client Success Team
OUR CLIENT SUCCESS TEAM VALUES OUR RELATIONSHIP WITH YOU AS A CLIENT:
If circumstances require you to delay any of your monthly payments, please contact our Client Success Team at least 5 business days prior to your next billing date. We will adjust our scheduled work accordingly.
If you have any additional questions, please don't hesitate to contact our Client Success Team. Instead of calling your bank or credit card company, we will assist you much quicker since we are your service provider. Our goal is to send you a satisfactory reply within 1-2 business days.
If circumstances require you to delay any of your monthly payments, please contact our Client Success Team at least 5 business days prior to your next billing date. We will adjust our scheduled work accordingly.
If you have any additional questions, please don't hesitate to contact our Client Success Team. Instead of calling your bank or credit card company, we will assist you much quicker since we are your service provider. Our goal is to send you a satisfactory reply within 1-2 business days.
#8 Replies From The Credit Bureaus Within 30-45 Days
The Fair Credit Reporting Act requires credit bureaus and credit furnishers to investigate disputes and mail replies within 30 days after receipt. This timeframe is extended to 45 days if additional information is provided during the first 30 days.
All replies will be sent to our business address so that we can monitor the progress of each account that has been disputed. Every month we will also download your credit monitoring report to check the current status, confirm that the deletions and updates are reflected, and then move forward again until all disputes have been submitted.
All replies will be sent to our business address so that we can monitor the progress of each account that has been disputed. Every month we will also download your credit monitoring report to check the current status, confirm that the deletions and updates are reflected, and then move forward again until all disputes have been submitted.
#9 Financial Coaching To Maintain Higher Credit Scores Going Forward
Throughout your credit repair process, we will share tips and strategies to help you successfully implement good financial habits. You will have the knowledge to maintain a good credit record after our work has been completed.
REPEAT OUR PROVEN PROCESS
The credit repair process usually takes 6-12 months, depending on the number of negative items that are included on the Credit Audit & Analysis Report. We will continue sending letters on your behalf until all of your negative items have been disputed. Any items that are not verified by the credit furnishers within 30-45 days may be successfully removed. Any items that are verified, and are also being reported correctly, will be removed after the allowable time period (click here for Credit Facts).
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We're Excited About Helping You Achieve Your Financial Dreams and Goals
Today Is The Best Time To Complete Your Enrollment Or Request More Information
LET'S GET STARTED!
Schedule Your FREE Appointment With An Enrollment Specialist
(630) 934-7100
Our 5-Star Client Success Team Will Gladly Assist You
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BUSINESS HOURS
Monday 9 am to 5 pm
Tuesday, Wednesday and Thursday 9 am to 7 pm
Friday and Saturday 9 am to 5 pm
Schedule a FREE appointment with an Enrollment Specialist
Telephone (630) 934-7100
TO SCHEDULE ONLINE Use the link on this page
CURRENT CLIENTS
Please call or send a text message to (630) 934-7100
Our goal is to reply within 1-2 business days
To ensure that you receive our very best 5-Star Client Success support, phone calls may be recorded and monitored for training and security purposes
Monday 9 am to 5 pm
Tuesday, Wednesday and Thursday 9 am to 7 pm
Friday and Saturday 9 am to 5 pm
Schedule a FREE appointment with an Enrollment Specialist
Telephone (630) 934-7100
TO SCHEDULE ONLINE Use the link on this page
CURRENT CLIENTS
Please call or send a text message to (630) 934-7100
Our goal is to reply within 1-2 business days
To ensure that you receive our very best 5-Star Client Success support, phone calls may be recorded and monitored for training and security purposes
