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YOUR CREDIT SOLUTION STARTS HERE.

rebuild

Wasatch Credit Consulting works on behalf of consumers in an attempt to remove inaccurate or unverifiable information from their credit reports and help rebuild a strong profile through education and by making simple changes to each individual’s financial habits.

Negative credit profiles can deter a consumer from major life purchases, such as buying a home or a new car. Positive credit profiles have unlimited benefits. If you think your credit is beyond repair, you haven’t met the right team to help you navigate toward relief. Our collective team has been helping individuals for over a decade and we can help you too.

If you’re still unsure whether a credit repair restoration company is right for you, below are some of the biggest benefits:

Attractive mortgage and refinancing rates

Lenders are more likely to extend an attractive rate for your home loan when you are a high credit score and clean credit history. You are their ideal customer when it comes to getting a mortgage or refinancing your home; your high credit score wins you points with the underwriting department and tells the bank that you are a responsible borrower. You might also have more negotiating power when it comes to closing costs and other fees. Since banks are competing for your business, it’s in their best interest to offer you the best possible deal in town.

Clearing up inaccuracies

According to a recent study, nearly 79% of all Americans have some sort of miscalculation or inaccuracy in their credit reports. For these reports, a good credit restoration team can correct the information and remove negative reporting so that the report is as accurate as possible.

Increased credit card limits

Your borrowing capacity can increase significantly when you prove to your creditors that you’re a responsible credit card holder and can handle more credit. You can request a credit limit increase or the credit card company will just increase your limit automatically and let you know that you’ve earned this perk. Remember that the ratio of your available credit to used credit also plays a major role when calculating your credit score; raising the limit could add a few more points to your already high credit score.

Lower financing rates on an auto lease

If you’re in the market for a new car and are thinking of leasing instead of buying, you might have some bargaining power when you flaunt your high credit score. Some dealers will be happy to offer you lower-than-average financing rates because they know that you will be paying back that loan on time. A clean credit history tells the dealer that you’re a responsible borrower. If you can’t negotiate a better rate, the dealer might be able to lower the price of your car instead. And don’t forget about your insurance company; when they run a car’s VIN through the system and review your insurance package, you may be able to get a better rate because of stellar credit.

Improve insurance policies

Most insurance companies offer their policies based on the credit reports of clients. If your credit report suggests that you are behind on payments, you will not be offered a reasonably priced policy. A credit repair company can help clean up your credit rating and save you money throughout your policy.

Better job possibilities

If you are looking to find your path to better credit, Wasatch Credit Consulting offers a number of credit services that can help you. With its proven credit restoration process, Wasatch will provide you with a customized plan of action and get you on an accelerated path to better credit. Within five days of hiring Wasatch, your credit analysis and dispute strategy will be complete and the process to start rebuilding your strong credit profile begins. It’s never too late to get started!

COMPLETE CONFIDENTIALITY

Your discussion with us is completely confidential. We do not share any information you provide us.

NO COST ANALYSIS

Our analyst will provide an initial review of your credit report at absolutely no charge.

COMPLETELY
RISK FREE

We will help you obtain a credit report with no risk of damage to your credit profile.

YOUR CREDIT REPAIR ACTION PLAN
STARTS HERE.

Our Process

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    FREE CREDIT ANALYSIS

    Your credit consultant will review your tri-merge credit report and review areas of concern with you. If you don’t have a current credit report, we can help you obtain one for little to no charge.

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    CUSTOMIZED CREDIT RESTORATION PLAN

    Upon enrollment into our program, our team will formulate a plan to get inaccurate or unverifiable items removed from your credit report in accordance with the FCRA, FCBA, FDCPA, and other consumer laws. Personalized credit analysis is delivered to the client and used as the baseline to measure success throughout the process.

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    RETURN CORRESPONDENCE FROM CREDIT BUREAUS AND LENDERS

    In approximately 30-45 days, you will start to receive responses from the credit bureaus. You can upload them though our secure portal or simply fax or email them to us using the information contained in your initial credit analysis.

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    SUMMARY OF ACCOUNTS

    Upon completion of the dispute process, a summary of any remaining validated accounts that are considered derogatory will be created for review. Our navigators will help you put together a plan to resolve each account along with an updated timeline.

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    MONITOR YOUR PROGRESS ONLINE

    You can monitor your progress and our notes through our secure portal on our website. You will be provided a client login and password.

CREDIT REPAIR TIMELINE

180 days to credit freedom outlined in our credit repair timeline.

5 DAYS (CREDIT ANALYSIS)

You will receive a written analysis which summarizes all of the information contained in your credit report and lays out a strategy to move forward.

10 DAYS (DISPUTE LETTERS)

We will open our first round of investigations with the credit bureaus. Responses typically arrive in 30-45 days.

45 DAYS (DISPUTE RESPONSES)

At this point, you should have received responses from each credit bureau and forwarded them to our office for processing.

90 DAYS (SUMMARY OF ACCOUNTS)

A summary of the unresolved negative accounts is prepared and reviewed with you to determine the best path forward.

180 DAYS (FINAL REVIEW)

We will update your credit analysis to compare before and after results and assist you in achieving your financial goals.

Schedule an Appointment Today!

To get started today just fill our our online consultation form.

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Business Hours

Monday9 am - 5 pm
Tuesday9 am - 5 pm
Wednesday9 am - 5 pm
Thursday9 am - 5 pm
Friday9 am - 5 pm
SaturdayClosed
SundayClosed

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