Credit Repair – The Credit Repair Experts

Phoenix, AZ 85014
888-315-9469
support@321Magic.com

About Us

OUR MISSION: Is to help empower individuals and to help them achieve their fullest potential by realizing the abundances of financial freedom.

Credit repair enables consumers to correct errors and inaccurate information in their credit reports and to boost their Credit score. By law consumers have the right to challenge inaccuracies in their credit report. Credit Bureaus MUST only report accurate, relevant, substantiated and verifiable information. They must report it in a fair and consistent manner.

FREE consultation
FREE credit summery
Free score evaluation
FREE Action Plan

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Our Services

Debt Validation Letters

We will help you remove Charge-Off Accounts, Collection Accounts, Late Payments, Foreclosures, Repos and all the other negative items that maybe driving your credit score down.

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Credit Bureau Letters

A credit dispute letter is a document you can send to the credit bureaus to point out inaccuracies on your credit reports and to request the removal of the errors. In the letter, you can explain why you believe the items are inaccurate and provide any supporting documents

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Creditor's Letters

A "pay for delete" is an offer to a creditor or debt collector to remove a negative credit report entry in exchange for payment. You can make an offer over the phone, but a signed letter from the creditor or collector is solid proof that an agreement was made.

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Debt Collector's Letters

A debt verification letter is the first letter a consumer should send if a debt collector calls and asserts a debt is owed. By law, creditors must show you evidence that a debt is owed; until they show it to you, debt collection activity must cease.

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Response Letters

A response letter provides the answers or information requested in a letter of inquiry. ... When responding to a forwarded letter inform your reader in your opening paragraph that you are the correct contact person for all future communications.

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Settlement Offer Letters

Debt Settlement Offer Letter. The Debt Settlement Offer Letter is a form that is used to convey that a debt is willing to be closed if the parties agree to new terms. Typically, this letter is from the debtor in order to offer a lump sum payment if the creditor is willing to release the burden of the full amount.

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Why Choose Us

Letter Vault

We have over 200 letters already to form feed with you information. Although you case maybe unique, chances are you are not the only one in that particular situation.

Fast Response Time

Because we have over 200 pre written letters our turn around time is quick and efficient. We simply review your case and edit one of our over 200 letters to fit you situation.

Satisfaction Guarantee

If we can not remove the negative idem on your credit report using the laws set forth we will not charge. Give use a call you have nothing to lose and a great credit score to gain.

There's a good chance your credit report has errors

What many Americans are find out is that their credit report has negative, inaccurate discrepancies in it. In Fact it is report that 20 percent of credit reports have errors in them. Credit Report errors can lead to credit denials credit cards, Car loans and even mortgages as well as in crease your intrest rates and insurance premiums. In some cases it could even exclude you from that new job you have been applying for. Consumers have started enlisting law firms to dispute negative items on their credit reports...and they’ve been wildly successful! Unfortunately the cost of hiring an attorney is out of the question for most people. So we have created a DIY document preparation website. We use the same strategies as the high priced lawyers do at a fraction of the cost. To learn more about how we can help you and the strategies use contact us today. Together, We can Fix your credit .

Fact: FTC: 1 and 5 People Find Errors on Their Credit Report One of every five American consumers has an error on his or her credit report and 5 percent of us endure errors so serious that we likely are being overcharged for credit card debts, auto loans, insurance policies and other financial obligations, according to a comprehensive study issued Monday by federal regulators.

80%

Fact: 79% of consumers who disputed credit report errors were successful in removing the errors from their credit repair. Credit report mistakes can lead to disqualification for mortgages and car loans, as well as increased insurance premiums and interest rates. In some cases, those mistakes can even prevent you from getting a job.

79%

Fact: Studies range from 25% to 79% of credit reports have material errors. In February of 2013, 60 Minutes ran a report called “40 Million Mistakes: Is Your Credit Report Accurate?” The study indicates that as many as 40 million consumers have a mistake on their credit report. Plus, it’s hard to get them fixed.

80%

Fact: Roughly 77 million Americans, or 35 percent of adults with a credit file, have a report of debt in collections.These adults owe an average of $5,178. Debt in collections involves a nonmortgage bill such as a credit card balance, medical or utility bill that is more than 180 days past due.

35%

Credit Agencies