Services

Dear Friend,

Is poor credit keeping you from getting a job, buying your dream home, or driving a new car?

Are you embarrassed to let anyone see your credit report?

My name is Brian Diez and I’m the CEO of Score More Credit. You may have read about me in Forbes, the Wall Street Journal, Dow Jones Market Watch, Yahoo Finance, or Credit.com.

I’m the US Army veteran who (since 2001) has been working round the clock to protect hard working Americans like yourself from the greedy credit bureaus, fat cat bankers, and sleazy collection agencies of the world.

I Totally Understand How Their Flawed Credit Reporting System Has Hurt You Financially.

Your house payments, your car payments, your insurance payments, even your credit card rates, are all based on your credit score.

Many employers will even pull your credit when you’re applying for a job as a form of character reference.

The financial stress resulting from your poor credit may explain why 50% of all marriages end in divorce.

Would you like to know a secret?

Bad Credit s NOT All Your Fault!

When you stop to think about it, it’s a great system the credit bureaus and lenders have going for themselves.

The credit bureaus rely on your lenders to report to them with your accounting formation such as payment history, outstanding balance, etc. That’s how they gather data on you to form their credit reports.

Lenders in turn use their credit reports to determine what fees to charge you, how much to lend, and for how long.

Now – get this – if your lender accidentally reports you as late, or reports the same account multiple times, or makes any number of mistakes, the lender gets to charge you more money and make a bigger profit for themselves.

Since the credit reporting agencies work for the lenders, there’s no incentive for either of them to report accurately.

Maybe that’s why…

According To The Government Accountability Office 80-90% Of Credit Reports Have Serious Errors.

It’s those errors, which aren’t necessarily your fault at all, that are keeping you from living a better life.

The credit bureaus would like for you to believe that the only thing that can repair your bad credit report is time. I’m here to tell you nothing could be further from the truth

According to the Fair Credit Reporting Act, the only negative information that can remain on your credit report is what your creditors can prove to be accurate.

What’s more is that the “burden of proof” falls on your creditors. NOT YOU.

Anything your creditors and the credit bureaus can’t prove must be permanently deleted from your credit report…its the law.

I’ve worked with credit attorneys, and former executives from major lending institutions, collection agencies, the credit bureaus, and even FICO, to develop a proprietary system for removing the inaccurate negative data from your credit report that has been slowly robbing you blind your entire life.

Here’s How Our 2 Step Credit Audit System Delivers The Credit Score You Deserve

The first step is to remove the inaccurate, unverifiable and obsolete negative data from your credit report.

Other credit repair services simply mail template dispute letters to the credit bureaus in the hopes some items fall off out of sheer volume. However, since the items are still on your creditor’s database, there’s a high probability that the items will return when they report again the following month.

My proprietary system removes the inaccurate negative items at the source, so they never return.

We will use the fair credit reporting act to force your creditors to prove what they’re reporting is accurate. They have 30 days to investigate and provide supporting documentation.

If they fail to provide sufficient evidence…YOU WIN!

Once we’ve removed as much of the inaccurate or unverifiable negative items as possible, the next step is to help you build a great credit portfolio.

Many people will tell you it takes years to build great credit. You have to start small, make timely payments, and build trust with your lenders. That’s all nonsense.

We use a process called Advanced Credit Modeling in which we coach you on accounts to open, balances to move, limits to increase, and other factors.

Our goal is to model your credit report after someone with a 700+ plus score.

Just so you understand what kind of profound impact my credit repair service can have on your life (and bank account), let’s say (for example) you had a credit score of 620 and were applying for a $300,000 loan:

Without credit repair, your average monthly payment would be $1869 and you would pay over $672,000.00 in interest over the life of your loan.

If you were to increase your credit score by 20 points, you would see your monthly payment drop by $100 a month saving you $36,000 in interest payments over the life of the loan.

If you raise your score 50 points, you would save an average of $187 per month and $67,320.00 over the life of the loan.

Lastly, if you raised your FICO score 100 points, your total savings would be $93,240.

And that’s just your mortgage payments. Imagine the additional savings on credit card rates, car financing, car and home owner’s insurance, and so much more.

A recent consumer study estimated the average American would save $400 a month with just a 50 point credit score increase.

Can you see? All those errors on your credit report are robbing you blind! If you had that money instead of your lenders, you’d be living a better life right now.

Think about it…

What Would YOU Do With All That New Found Money And Excellent Credit?

So You’re Probably Wondering…

How much this is going to cost you, right?

Look, we’ve both heard the horror stories about some poor couple paying $3,000 or $4000 to some shady credit repair service who took off with their money and never did anything.

I don’t want you to feel at risk at all. In fact, I’m going to take all the risk. Here’s how it works…

Start today for just $197.
You don’t pay another dime until you see results from the credit bureaus, which will typically arrive in about 30-45 days.

Now here’s the best part…

Unlike other credit repair services who charge you hundreds or thousands of dollars just to work on your credit, at Score More Credit you only pay for the items we correct or delete from your credit report.

If we fail to fix anything on your credit report…you don’t owe us a dime!

Also, we don’t lock you into a long term contract either. You can cancel the service anytime you want.

Here’s what’s included in your investment…

• Unlimited disputes with all 3 credit bureaus – including inaccurate late payments, charge offs, collections, bankruptcy, foreclosure, repossession, judgments, and inquiries,
• Verification and Validation of Derogatory Items Directly with the Original Creditor – because while disputing with the credit bureaus is necessary, it’s not the only effective technique for getting results. We’ll go right to the source and hold them to the letter of the law.
• Removal of Unauthorized Inquiries – Anyone who pulls your credit requires your authorization. We’ll find out if they have it and have them delete the entry it if they don’t.
• The Negotiation and Settlement of unpaid collections – we’ll stop the harassing phone calls immediately and we will handle all of the negotiations for you. Whether it’s settled for deletion or pennies on the dollar, we’ll make sure it’s really over, so that they never bother you again.
• Advanced Credit Modeling – we’ll coach you on how to build a solid credit portfolio using our proprietary technique.
• Unlimited Online Progress Reports – Unlike those other guys, you can monitor our progress 24/7. You’ll get a login and password to our corporate site where you’ll see a visual representation of the progress we’ve made on your report.
• Credit Coaching by a Certified Credit Counselor – It’s our goal to fix your credit for you, then give you the tools you need so you never need us again!

Considering a savings of $400 a month… This is one service that really pays for itself!

Getting Started is Easy.

First, request your free credit consultation. A credit consultant will review your credit with you and explain what’s on your credit report, how we can help, what kind of results you can expect, and how fast.

If you decide to move forward we’ll send you an enrollment package which you must approve and return along with proof of your current address, photo ID and social security number.

Once we receive your enrollment package we’ll begin repairing your credit right away so you can begin to enjoy all the amazing benefits that come with a great credit score sooner rather than later.

After 45 days or so you’ll begin to receive updates from your creditors, collections agencies, and credit bureaus which you send to us.

Remember, if you don’t see results – you don’t owe us a dime. Plus, you can cancel anytime you want.

Is There Anyone We CAN’T Help?

Yes! You must be able to make your minimum monthly debt obligations, plus have at least $500 in disposable monthly income, or we will be unable to have a positive effect on your credit score.

Honestly, there’s no point removing negative items from your credit if you’re simultaneously adding new ones.

Also, if more than 50% of the negative items on your credit report are verifiable unpaid collections and charge offs, then you must have at least 50% of the outstanding balance available for us to negotiate a settlement.

Lastly, if you’re under the impression that a credit repair service can remove accurate and verifiable items from your credit, then we are not right for you.

I would also urge you to be very careful. Whoever promises you they can remove 100% of your negative data is breaking the law and they probably don’t mind stealing from you while they’re at it.

Please Don’t Try To Fix Your Own Credit Report

Many of the clients I help today have caused themselves more harm than good trying to improve their own credit scores. I spend a lot of time trying to repair the damage, but it’s an uphill battle.

By law, I’m required to tell you, “Yes, you can repair your own credit”.

You could also give yourself a root canal, but I wouldn’t recommend it. Leave it to the professionals.

Don’t Be Fooled By Our Competitors

You may be thinking to yourself, “Ok, Brian, I know I need to repair my credit, but why should I trust you?” It’s a fair question, so Let’s take a look at your options.

Compare Pricing

Our competitors may seem cheap, but that’s just clever marketing. For example, they may charge you anywhere from $35 – $79* a month. That’s over $1,000.00 per year.

If you pay attention you’ll notice they won’t tell you how long it will take or base their fee on your results (like we do). Why?

Because those larger firms need you to stick around for as long as possible so they can turn a profit. There is no incentive for them to move fast. Think about it.

If I were paying you by the hour to mow my lawn, you’d come back with scissors. Why wouldn’t you? If you finished quick, I’d stop paying you. It’s the same thing with them.

The result is wasted time and money.

At Score More Credit, we don’t get paid until we show you results, so we have an incentive to move quickly. We learned a long time ago that the faster we repair your credit the more referrals we get.

Compare Our Expertise

Some credit repair services position themselves as legal counsel to earn your trust and get your money. The truth is you may actually have some college drop out… I mean “paralegal”… making a mess of your credit report while they figure out what they really want to do with their life.

Paralegal – A nonlawyer who performs routine tasks requiring some knowledge of the law and procedures. Basically anyone employed by a law office…

Do you really think those lawyers spent half their lives in school trying to pass the bar exam, so that they could fix your credit report for $79 a month? Me neither.

On the other hand, credit repair is what we do full time. Your account will be handled by a certified credit expert.

Compare Our Guarantee

I think you’ll agree that a credit repair service’s guarantee is a direct reflection of the quality of their product or service. Otherwise the service would lose money faster than they made it.

With that in mind consider this…If you want your money back from them you’ll have to wait 12 months for their guarantee to kick in. Read the fine print. Remember, they want you to stick around as long as possible so they can keep billing you.

If you do remember to ask for a refund, a year from now, they’ll argue that they did some work and not give you ALL your money back.

Ask yourself; would you rather have results NOW or in a year?

Would you rather work with a credit repair service that’ll give you a portion of your money back (after a YEAR), or would you prefer a credit repair service that’s so good at what they do they only charge for results?

Personally, I’d go with the service that has the skills to get the job done as fast as possible and has the confidence to work on a results only basis.

Let’s Get Started

Fill out the free credit consultation form now. You could be saving hundreds to thousands of dollars a month in no time flat, armed with a credit report you can be proud of. It was always YOUR money anyway. It’s about time you took it back.

You could be shopping, vacationing, improving your home, or even planning for a better future.

If you’re not sure, just say maybe… speak with one of our credit counselors and find out for yourself if credit repair is right for you. We’re not into high pressure sales pitches here. If we can help, we’ll say so. You can decide for yourself what you want to do.

You have nothing to lose and everything to gain.

Make today the day you get a fresh start. You deserve it!

Your trusted credit expert,

Brian Diez

CEO and Credit Expert

PS: Click here if you still have questions.