Do you know what is in your credit report? Who last asked for a copy? Is the information that it is reporting correct? Is that your Social Security Number or someone else's? What will you do about it?
Every American has a right to see what is in his or hers credit report. Your credit report tells almost everything about you and your life style. They report not only on your spending habits, but your employment, your address, social security information, court records etc. Almost every report contains some incorrect information and there is more than one reporting agency giving your information out!
When you get that report, will you understand it? Will you know what to do? By all rights the consumer has every right to repair their own report. But this can become time consuming as well as frustrating. By having a Credit Repair Service company such as Concise assist you, we take the confusion, the frustration, and above all, the time to bring the matter to the best possible solution.
The consumer is responsible for the information being reported in their credit reports. The Supreme Court ruling in 2001states legal claims must be filed within two years after the mistake occurred, even if the victim does not learn of the error in that time. Though the Court states that it is the individual’s responsibility, the process to identify mistakes, fraud or inaccurate information on the reports is a time consuming and manual task. It may be a task so overwhelming that they may not understand their credit report and know what steps to take to correct the problem.
Concise operates by all Federal and State laws. Our fees are paid only for items we successfully update in your report. Every client is given a contract detailing the services that will be contracted along with a reasonable date to complete. We will prepare the documents required to begin the process. We will review your reports with you! Unlike the Internet versions being touted online, we go over each item, and explain what the report states. We firmly believe in a ONE-on-ONE relationship with the client. Whether it is in person, by telephone, by mail, and/or even e-mail. We want to get to know the client, who should also get to know whom they are dealing with!
Just A Note:
WE WORK ONLY WITH THE ACTUAL REPORT FROM THE CREDIT REPORTING AGENCY. BEWARE OF THIRD PARTY REPORTS!
CREDIT REPORTING AGENCIES WILL ONLY INVESTIGATE THE INFORMATION THEY REPORT! THERE IS NO SUBSTITUTING ACTUAL REPORTS!
Debt Negotiating!
Most consumers today have more debt than they ever could manage. Right or Wrong, the fact is they have this debt, and need to put some order to it. The best way is to call or write the creditor and seek to work out new terms. Sounds easy right? Well not always.
You must remember the creditor is due this money. They usually are willing to listen to your situation up to a point. They are in business to make money, not lose it. They will do whatever it takes to keep from losing their money or, for that matter, the interest that goes along with it.
Many times these discussions go off the map. The consumer gets upset, says something they should not have said. Or worse, they agree to terms that are really not in their best interest. Thus making the problem no better than before. You must remember, the creditor will work out the best deal for them -- not the consumer!
Concise has years of experience in dealing with creditors. We will work out the best possible solution in your interest -- not the creditors. Remember, you are the client, not them. If we feel the offer they make is not valid, we will so inform you. We will only work out what the client is comfortable with. But more importantly what the client’s budget will manage.
Preparing a Realistic Budget!
Many times -- we think we know what we need. Many times -- we think we know what we are doing and are right. But most times -- we are blinded by what we think is right against what we wish is right.
Preparing a budget takes many things into consideration. Such as the real income that a household takes in, the real expenses the household makes.What most people do in preparing a budget is they include all the bills they can think of plus items such as transportation and lunch etc. But most times, they do not make concessions for the real day-to-day items.Going out to dinner, a movie, the small things that make life go on etc.
Concise will prepare a budget that is realistic. We prepare a budget that you and the family can live with while paying down the debts.We create a plan that takes into consideration everyday living. After all, you do experience other things besides bills? No? Preparing for unexpected events, saving a few dollars, paying the bills on time. Simple everyday life cannot be controlled by a strict unrealistic budget.
We will review your income vs. expense. We review your spending habits. We will consider your lifestyle and we will give you the story straight, no matter how painful it may sound. It may be just what the doctor ordered.
Let Concise help you make that realistic budget for that real life you live.
Bill Payment Services
With today's hectic lifestyle, paying the bills has become a chore. It is a chore that usually gets put off and off until the late notice is in hand. It's usually due to you being too busy to remember that they have to be paid OR because you just don't have the funds available because of bad money management.
Concise will have your bills set up in a schedule that will be attended to every time a bill is to be paid. All bills are paid on time, and before the due date. Thus enforcing a good credit profile. We even manage your savings the same way.
Remember bill paying is a chore, an unhappy chore. But the bills do need to be paid, and you need to keep your credit profile healthy. Let Concise make those unpleasant chores become a pleasant non-activity.
Credit Report Management: There are NO UP-FRONT FEES. A one time $150.00 set up fee will be billed and collected at the end of the process. We do not charge on per item basis, due to the fact there are three reporting agencies, and you would be paying for each report and each item removed/corrected over three times. We charge a monthly fee of $30.00 billed and due at the end each month for work performed that month while the repair service is in progress. We charge this monthly fee for the service with no limits to the amount of time, letters, reviews and effort used to resolve your case per month. Clients can make payments online by clicking the PayPal logo located on this page.
Debt Negotiations & Debt PayDown Plans: $150.00 one time fee for examination, preparations and set up fee. There is a monthly service fee during the life time of the debt paydown plan. This fee is a flat fee of $30.00 per month to process the payments and office management of your files.
Budget Preparations: $100.00 one time fee for examination, preparation, and delivery of a personal budget plan. Issued twice in one calendar year.
Bill Payment Services: One time account set up fee $150.00 $25.00 per month for up to 10 payments paid for client ($2.50 per transaction) $50.00 per month for up to 25 payments paid for client ($2.00 per transaction) $75.00 per month for up to 40 payments paid for client ($1.88 per transaction) $100.00 per month for up to 60 payments paid for client ($1.66 per transaction)
Includes all cost such as processing, postage, checks, checking bank fees etc.
Credit Card information and a Signed Authorization Form are required on file for all monthly fees and out of pocket expenses.All out of pocket expenses paid by Concise on behalf of client are billed monthly to the member and is due in addition to any other fees.
