MY CREDIT HOPE

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Financial Services

My Credit Hope understands that sometimes there isn’t enough time in a day for you to pay your bills on time and manage your money, along with everything else life throw at you. Separate the credit repair & restoration program, we offer financial payment services as well.

TRUST THE PROCESS


Repair Process:

Having bad credit is an unfortunate problem that many families face, especially in today's economic climate. My Credit Hope works on your behalf to remove negative items off your credit in order to improve your credit score. We can help remove inaccurate, obsolete, and unverifiable items on your credit reports including:

  • Collections
  • Late payments
  • Charge offs
  • Liens
  • Bankruptcies
  • Repossesions
  • Foreclosures

Restoration Process:

My Credit Hope will restore your credit by suggesting things that you need to do in order to improve your score. We will also help you come up with a budget and successful financial plan to repay your debt and keep balances low on credit cards and other "revolving credit". High outstanding debt can affect your credit score. Pay off debt rather than move it around. Remember, it took a while for you to damage your credit, so it will take time, along with hard work and dedication, in order to repair and restore your credit.

The Importance of Having an Awesome Credit Score:​

DO NOT LET A NEGATIVE CREDIT SCORE RUIN YOUR BRIGHT FUTURE

An awesome credit score is important for anyone to have. Loans are a necessary part of life for most of us. Building a solid credit history and maintaining a high credit score can have a dramatic impact on your quality of life now and in the future when you're considering applying for a loan or even a prepaid debit card.

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A poor credit score will only qualify you for high interest rates and larger down payments when buying a house, car, or any type of loan including a business and student loan. Many employers will run a credit history for perspective hires; Even insurance companies run credit history prior to giving you insurance.

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4 Step Process...

1. Dispute & Dissolve:

The initial repair process is the process in which we dispute all the negative items on your credit using different techniques to get them removed from your credit.


2. Navigate & Negotiate:

We negotiate with your creditors to get the total balances of each account as low as possible, decrease interest rates, and put you on a reasonable monthly payment arrangement with the creditors, in order to pay off your debt.

3. Restore & Raise:

The restoration process is where we use various techniques to raise your credit score, secured and unsecured lines of credit, depending on your circumstances, to restore your good credit and score.


4. Maintain & Discipline:

Last part of the program is where we design a personalized budget with you in order for you to maintain your good credit moving forward. Entire process takes 9-12 months depending on the credit. You cannot apply for any credit while enrolled into the program. You also cannot make any late payments while enrolled into the program, as this will all affect your credit negatively, when the goal is to improve your credit.