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Jason Dudney

Better Life Credit Services, LLC
Credit Counselor

Contact Information:

Saint Petersburg, FL 33705
United States

Years in Business:

 

9

Clients I'm Seeking:

 

If you have compromised credit because of collections, BKs, foreclosures, REPOs, charge-offs, public records or more, we can help legally and permanently remove these derogatory items, and bring your credit scores up 150-200 points quickly so that you CAN secure a mortgage, auto loan or business loan.

About My Business:

 

A credit score is a numerical ranking, typically between 400 and 800, which represents how likely you are to repay a loan on time and how likely a creditor will profit from you. Creditors use this number to draw conclusions about your credit worthiness and profitability in comparison with other consumers. In simple terms, each item in your credit file is assigned a numeric value, positive or negative, based on several factors including loan type, age, and payment history. Your credit score is (mostly) the sum of the values of all items in your credit file. For example (completely fictitious): Good standing Mortgage: +250pts Good standing Auto Loan: +200pts Good standing Auto Lease: +200pts Good standing Credit card: +120pts Late Student Loan: -100pts Too many inquiries: -60pts Credit Score (sum): 610pts Credit correction improves your credit score by legally eliminating or improving the status of derogatory credit items which lower your credit score. As derogatorily credit items are eliminated or improved, your credit score will increase; sometimes dramatically*. Credit correction is your legal right. Better Life Credit Services works to enforce the pre-litigation rights granted to you under federal and state law. Better Life Credit Services operates under the guidelines set forth in the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collections Practices Act, and laws and opinions set forth by federal and state governments for credit services organizations where applicable. Credit damage doesn’t typically happen overnight and the same goes for correcting it. When dealing with 3rd parties (Credit bureaus, Creditors, Collectors, Etc.), the speed and timing will vary. In general, many Better Life Credit Services clients are loan-ready in 4-7 months. Some clients are loan ready in 90 days and few take 10-12+ months. The length of time depends largely on the amount of work and degree of difficulty. In all cases, clients will begin receiving updates from the credit bureaus in as little as two weeks. BLCS will thoroughly review your credit report, financial standing, and credit goal(s) BEFORE any work is done. BLCS guarantees that every client will be satisfied with the results. In the event that expectations are not met, BLCS will refund 110% of all payments made in the first 90 days, excluding setup fee and a per corrected item fee, at any point while your account is being serviced.** Removing/correcting a credit item on your credit report does not impact a debt. It is common for debts to be reported incorrectly by the holder and subsequently removed through credit correction. It is also common for debts to be wrongfully or mistakenly reported and then removed through credit correction. Any credit item which is not 100% complete, accurate, truthful, current, and verifiable can be disputed. It is common to find multiple credit items on one’s credit report which fall into this category. Better Life Credit Services will not attempt to correct/change/remove any credit item which is known to be 100% complete, accurate, truthful, current, and verifiable. There are no up-front costs or additional (hidden) fees. All work is post-pay and pricing is clearly stated in writing. You can correct your credit on your own. However, it’s unlikely that you will be pleased with the results. Self-credit correction is similar to self-representation in court. If you’re accused of a serious matter and you’re not a skilled attorney, is it a wise idea to represent yourself? The same goes for credit correction. There’s a tremendous learning curve and it can be very time consuming. We have honed our skill and completed thousands of case studies over the years. This is our passion, our specialty, and all we do! Credit correction involves correcting items on your credit report. Debt Consolidation/Negotiation involves negotiating with and paying your debt holders. Debt consolidation/negotiation rarely improves your credit score. Credit bureaus [claim to] only share small amounts of information (alerts) as required by law. The remaining information they report and their investigations/decisions are independent. Credit bureaus are for profit companies. They profit from selling your personal information, credit history, and credit score. They are required to follow all laws and regulations set forth by various levels of government and receive no special treatment.

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