Sure… You can repair your own credit. You could spend the time to learn the credit reporting and debt collection laws, and devise successful strategies to
appropriately correspond with the credit reporting agencies, collection agencies, and individual creditors. You could devote the time and energy that it takes to
actually do your own credit repair, too. But wouldn’t you rather spend your time doing something else? Would you give yourself stitches for a bad cut? Sure… You
COULD, but doesn’t it make more sense to let someone (a doctor, for example) who already knows how, and has made it their profession to do it for you?

“Credit” is the privilege to use the financial means of another party. When you apply to any financial institution for a loan, mortgage or credit card, you need to provide evidence of the ability to repay, and a history of repaying past credit. You can get better terms with lower interest rates if you have good credit ratings, but with a poor credit rating, you may not get credit at any price. Building a good credit record is important to achieve many desirable goals, such as homeownership, vehicle financing, and various forms of wealth building.

Credit repair is the process of cleaning up inaccuracies on your credit report, removing wrong or inaccurate information, protect your identity and become more informed on your credit issues. If you repair your credit file, it is likely your credit score will improve, and thereby will obtain better interest rates and save money.

Because your credit record will influence your qualification for credit in the future, and could possibly affect rates for your current credit lines. Accordingly, if your credit report is incorrect, the reparation of the credit file will help improve your chances. A good credit score helps you obtain low interest rates and long term loans, like home loans or car loans. Lenders may charge high interest rates or impose undesirable repayment plans for you. Given the stakes and the consequences involved, it is clearly to your advantage to work toward recovering from a bad credit rating.

Credit Bureaus are companies that maintain records of your credit lines and performance. Records go back seven years, and up to ten years, for bankruptcy data. Creditors, banks, mortgage companies and other financial institutions supply this information to the credit bureaus, and they compile them into a credit report. A credit report has details of how you have managed credit in the past, so other lenders can judge your credit worthiness. They tract the following information:

• Open accounts.
• Closed accounts.
• Credit limits.
• Current balances.
• History of on time and late payments.
• Collection actions.
• Tax and other liens
• Homeownership.
• Current address, and former addresses

Typically, you’ll begin to have results from the individual creditors and collection companies within 30 days, and credit bureau results from Experian, Equifax, and TransUnion within 45 days from the day you register for credit repair with IIG Credit Repair. Your results come directly to YOU, so you know EXACTLY how your credit repair is progressing, even before we do! You simply return the results you get to us by fax or email within five business days of receiving them.

Unlike many other companies who promise the “moon and the stars”, we simply tell the truth. If a 700 credit score is possible for you, we’ll let you know, and we’ll do our absolute best to tell you roughly how long you can expect it to take. If it’s more realistic to expect a 640 credit score, we’re not afraid to tell you that, either!

What we can do, though, is give you a fair estimate of how long it’s likely to take for you to see improvements in your credit score. We’ll also tell you what YOU can do to raise your credit scores.

• Credit Repair Processing Fee – IIG Charges a processing fee of $30 for initial startup.
• Initial Credit Repair Fee – $250 – Only charged after setup is completed and we obtain a copy of your credit report, review the file and look for incorrectly reported, outdated, or unverifiable items.
• Second Month Credit Repair – $225
• Credit Repair Monthly Fee – $30