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What does the consultation include?

We will help recover your credit report and email it to you. Then we’ll go over the specific details of your credit history with you and identify what items in your history are damaging your credit. We will also analyze your positive credit and explain how to optimize your report using techniques for paying bills and opening or closing credit. You are billed nothing until this is complete and you’ve decided to move forward with our service. Truly no obligation. Whether or not you sign up, We bet you’ll learn something.

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Help to understand your credit

Credit damage is only half of what influences your credit report. You need to build a balanced report by continuously generating new months of positive history. We will show you how.

Understanding Your Credit

When people talk about your credit, they mean your credit history. Your credit history describes how you use money. For example:

How many credit cards do you have?

How many loans do you have?

Do you pay your bills on time?

How you handled your money and bills in the past will help lenders decide if they want to do business with you. Your credit history also helps them determine what interest rate to charge you.

If they see that you always pay your bills on time and never take on more debt than you can pay back, they will generally feel more confident doing business with you.

If they see that you are late on your payments or owe more on credit cards or loans than you can repay, they might not trust that you will pay them back.

Lenders, landlords, insurance companies, and potential employers are a few who might look at your credit history. Your credit history can make a big difference when you:

apply for a loan or credit card

look for a job

try to rent an apartment

try to buy or lease a car

try to get rental or home insurance

Because these lenders, landlords, and others care how you handle your bills and other financial decisions, you might want to care about your credit, too.

Your credit report is a summary of your credit history. The three major credit bureaus — TransUnion, Equifax, and Experian — collect credit and other information about you. In your credit report, you’ll find information like:

your name, address, and Social Security number

your credit cards

your loans

how much money you owe

if you pay your bills on time or late

if you filed for bankruptcy

Other businesses pay the credit bureaus to use that information to check your credit. They run a credit check, for example, before they decide whether to lend you money, give you a credit card, or rent you an apartment.

Our Basic Steps

Our Programs work in 45 day cycles. At the end of each cycle you will receive 3 credit reports at your home. These reports are your results, they will show which questionable negative items have been removed from your credit so far. You simply fax, email, or mail these reports to us, and then check for your progress report update.

STEP 1

Riches Resource performs a full analysis of your credit history, challenges the damage you disagree with, and sets you up with a plan to build positive credit.

STEP 2

The credit bureaus investigate the challenges received and press your creditors to defend the items they placed in your history that you disagree with. During this period, you will be implementing our plan for building the necessary credit to boost your credit score.

STEP 3

The credit bureaus release new credit reports to show the changes made. Your account page at RichesResource.com is updated with a progress report showing the overall changes. New challenges are released.

CONTACT US TODAY

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