Credit Builder

Equipment

REPAIR

YOUR PAST

We understand that everyone paves their own unique journey through life, so we will create a custom credit restoration plan to navigate you to the destination of your choice.

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INDUSTRY LEADERS IN CREDIT BUILDING

REPAIR

YOUR PAST

Improving your past starts with Healthy Financial Futures, Inc reviewing your credit history. We then utilize our consumer law background regarding the Fair Credit Reporting Act (FCRA) to identify your rights as a consumer and interact with the credit bureaus and creditors to remove inaccurate items from your credit report.

Since 2007, we have permanently removed following inaccurate negative items from our clients’ credit reports.

– Tax Liens
– Bankruptcies
– Foreclosures
– Auto Loans
– Inquiries
– Charge-Offs
– Repossessions
– Collections
– More

RESTORE

YOUR PRESENT

While repairing our clients credit reports, we guide them on what types of credit to establish while maximizing existing accounts they already have open. At this point, we make sure EVERY negative item is removed to achieve the best result possible.

Our customized 3 tier credit building process will boost your score by removing the most negative inaccurate items off your report. It helps to make sure no new negative accounts are added. Most importantly we can increase your scores within 30 days of submission.

Our Credit Builder Program can give you immediate results within 30 days. Most people will either have no credit or strictly use cash for everything; when this happens the credit bureaus have nothing to report. Therefore,our Credit Builder Program adds positive trade lines to report on your credit report so that your scores can immediately increase.

REBUILD

YOUR FUTURE

We assign a credit expert team to each client. Our team will assist in restoring your present and rebuilding your report and score.

Whether you are looking for a home loan, an auto loan, a new job, a security clearance, or just want a fresh start, through credit education and guidance we will help you reach your destination.

We understand each situation is unique, so we will find out what you are trying to accomplish and then help you get there in 90 Days Guaranteed.

ARE YOU IN CREDIT PRISON?

How does honest, legal, moral & ethical credit repair work?

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PROTECT YOUR CREDIT!

How do I protect myself from Identity Theft?

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WHAT IS A CREDIT REPORT?

Learn what is, and what is not, included in a credit report.

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OUR PROCESS

These are the steps that will help guide you through the process of credit restoration.

step1

FREE CREDIT REPORT EVALUATION

Your credit consultant will look at your credit reports and go over them with you line by line. If you don’t have your current reports, please click on the icon above “Free Credit Report Evaluation”.

step2

CUSTOMIZED CREDIT
REPAIR PLAN

Once you decide to proceed with our program, your Assigned Credit Expert will establish a path to get your inaccurate items removed from your credit reports in accordance with the FCRA, HIPAA, FCBA and other consumer laws.

step3

SEND US ANY
CORRESPONDENCE

You will begin to receive correspondence from credit reporting agencies Experian, Equifax, TransUnion and Creditors within the first 30-45 days. Simply send any correspondence to us via email for immediate processing.

step4

VIEW YOUR
PROGRESS ONLINE

You can monitor our efforts and track your success on our website 24/7. You will be provided a client login and password. You will also have access to our credit education programs.

A GENERAL TIMELINE

Whether you are looking for a home loan, an auto loan, a new job, a security clearance, or just want a fresh start, through credit education and guidance we will help reach your end goal.

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YOUR JOURNEY STARTS

We will send our first round of investigations to the credit bureaus. Expect a response from them in the mail within 30-45 days.

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RECEIVE CREDIT EDUCATION GUIDE

Next, you will receive your Credit Education Guide Email. Follow the steps in that guide to understand what to do, and what not to do during the restoration process.

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DOUBLE-CHECK EVERYTHING

By this point, you should have received and forwarded mail to us from ALL three credit bureaus. If not, let us know.

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START TO UTILIZE YOUR NEWLY IMPROVED CREDIT

Login to your self monitoring account to view updates and improvements. Let us know if you aren’t seeing continual activity and mail from creditors.

In the final stages of your restoration we outline all the improvements on your report, and help you explore the new Credit Opportunities that are now available.