Important Information About Credit Repair and How It Affects You


I have bad credit but I cannot afford to have a firm repair my credit right now.  What options do I have?

The good news is that you don't need a firm to repair your credit!  @YourCreditProfessor offers Do-It-Yourself tools, webinars, e-books, and other resources to teach you how to restore and improve your credit standing yourself and get excellent results.  

How do I know if a credit repair firm is for me?

Three factors make a person a good fit for a credit repair firm.  

  1. The first factor is having a poor credit score because of collection accounts, late/missed payments, or inaccurate or obsolete information on your credit reports.

2. The second factor is not having expertise in the repair process, or simply being too busy to address it yourself.   You may also have tried to address these issues yourself with no success.  In cases like these, professional help can get you the results that you need. 


 3. The third factor is time.  Folks don't always have the option of waiting 7 years for a bad account to become eligible for removal.  When faster results are needed for a time sensitive goal,  like housing, a car purchase, job application or background check, a reputable firm can streamline the process and save you time and frustration.

How do I know which package Is best for me?

We offer credit protection packages for every budget, situation and level of urgency.

Our GOLD level protection package is for clients with 20 or fewer negative accounts.  Clients will work with one of our Board Certified Credit Advocates who will guide you through the entire process.  Clients will have monthly coaching calls to guide them on how to establish positive recent account history while we legally address your negative credit history.  This is our most basic and inexpensive protection program.

Clients who enroll in our PLATINUM level protection package will work one on one with @YourCreditProfessor only!  This package is for clients with more than 20 negative accounts, and who also have more complex credit issues such as bankruptcies, foreclosures, medical bills, defaulted student loans, and judgements.  Clients will have  access to weekly coaching calls with @YourCreditProfessor as he guides you step by step on how to build credit history quickly, and also how to leverage credit into creating wealth for yourself and your family.  This is powerful information that will surely add tremendous value to your life!  This is our mid-level protection plan.  

Our DIAMOND level protection package offers our clients the same access to @YourCreditProfessor, with the same credit coaching and legal work performed on your behalf.  Clients will also receive two added bonuses! 

 First, @YourCreditPfofessor will guide you step by step on how to acquire business credit WITHOUT having to use your own personal credit or social security # as a guarantee!  Powerful information that can and will change your life!  

Second, for those with any violations of the FCRA (Fair Credit Reporting Act) and the FDCPA (Fair Debt Collection Practices Act) on their reports, we will aggressively go after your creditors, the credit bureaus , and debt collection agencies for damages on your behalf.  Violations of these consumer laws entitle the client to up to $1,000 per violation, per report!  This means that if you have one (1) violation on all three (3) reports, that entitles you to $3,000.  Our DIAMOND package will help you to clean your reports as well as build your business credit while collecting for damages owed to you from creditors and debt collectors who have broken the law.  The good news is that these violations occur EVERYDAY, but the bad news is that they get away with it UNLESS you call them on it legally!

How long does the process take?

We tell all of our clients to give the process 6 months, however many, clients have seen good results in as little as three months.  Some in as little as 60 days!

How does the process work?

After you sign up for your protection package, we order your 3 scores and reports.  Next, in 30-45 days you will receive responses directly from the credit bureaus and/or your creditors and collection agencies.  Forward these responses to Prime Financial IMMEDIATELY.  After another 30-45 days you will receive results from your next round.  According to your package level, you will receive coaching and counseling sessions to enhance the education process and to lay out the next steps in your individualized credit protection plan.  Depending on package level, clients are entitled to a minimum of 6 dispute cycles (Gold package) up to unlimited disputes (Diamond package).

 *The goal is for our clients to be aware, informed, and in control of their financial lives.  It all starts with credit as the foundation.  That is our biggest value to our clients.

What is my role (as the client) in the process?

The credit bureaus and creditors/collection agencies will mail all responses to our legal work to you.  All you have to do is forward those responses to us as soon as possible so that we can respond quickly on your behalf.  They can be sent via: fax, email, mail, or uploaded into your client portal's document section.  In addition, we will guide you on how to manage your current debt, and accounts.  Following our directions ensures the fastest results.

Can debts that I actually owe be removed?

In many cases, yes!  We get many negative accounts deleted on a legal technicality.  This does not mean that you shouldn't still pay what you owe.

How much does it cost?

We have many different options for every budget.  Please see our Services Page for a listing of our three (3) Credit Protection Packages as well as our Do-It-Yourself Tools section, which provides do-it -yourself clients with tools that will to help speed up your results, and guarantee your success!

What should I expect from this process?

1. Expect to have your reports thoroughly scrutinized and all accounts validated legally

2.  Expect to learn how to manage and maintain your new good credit through our many counseling sessions.

3.  Expect your scores to improve.  When you address your credit the right way, it works.

4.  Expect to make your credit repair fees back on your very first credit purchase after your scores improve!

For ex: A person with a 590 score will need to make a down payment of between $2,000-$5,000 in order to be approved for an auto loan. 

 While a person with a 690 can sign and drive with $0 down!  The savings begin immediately when you improve your credit!  This investment will continue to pay for itself.  Stop throwing your hard earned $ away!

Can I cancel at anytime?

Yes you can!   You can cancel your membership at anytime.  We will stop pursuing any disputes we have in our system, and you will retain your access to the member dashboard and database for the remainder of your billing cy

Find out more now! Call (321) 214-4711 for more info on how we can help you!