Thank you for your interest in TL Solutions: Credit Enhancement. Please click the button below to fill out the interest form to get started!
Frequently Asked Questions
What is the cost?
Prices vary depending on the package selected.
Free 15 minute consultation.
Starting at $100
There are 5 packages D.I.Y. (Do it Yourself), Basic, Bronze, Silver and Gold
Once your consultation is done, we can determine the package needed for your situation.
What is Credit?
Credit is the privilege to use the financial means of another party. When you apply to any financial institution for a loan, mortgage or credit card, you need to provide evidence of the ability to repay, and a history of repaying past debts. You can get lower interest rates if you have good credit ratings. With a poor credit rating, you may not get credit at any price.
What is Credit Enhancement?
Credit enhancement is the process of cleaning up inaccuracies on your credit report, removing wrong or inaccurate information, protecting your identity and becoming more informed on your credit issues. If you repair your credit file, it is likely your credit score will improve, and thereby will obtain better interest rates and save money.
How long does the program last?
Everyone’s situation is different, but the average customer is with us for six months. The duration of the program depends on the number of items on your report that need to be disputed, as well as the responsiveness of the credit bureaus. Credit bureaus have 30 to 45 days to respond to requests.
What do Credit Bureaus do?
Credit Bureaus are companies that maintain records of your credit lines and performance. Records go back seven years, and up to ten years, for bankruptcy data. Creditors, banks, mortgage companies and other financial institutions supply this information to the credit bureaus, and they compile them into a credit report. A credit report has details of how you have managed credit in the past, so other lenders can judge your credit worthiness. They tract the following information:
- Open accounts.
- Closed accounts.
- Credit limits.
- Current balances.
- History of on time and late payments.
- Collection actions.
- Tax and other liens
- Home ownership.
- Current address, and former addresses
What exactly do you do?
We will conduct a detailed and thorough evaluation of your credit file in light of the laws that govern the various creditors in the reporting process. We will identify everything that is questionable, obsolete, and out of compliance. We will then contact all parties and credit bureaus for the purpose of clearing derogatory and unverifiable information on your credit report. You will receive results via mail from Transunion, Equifax and Experian.
What should I do while TL Solutions is re-establishing my credit?
- Pay your bills on time. Late payments have a dramatic impact on your scores.
- Don't exceed 30% of your credit given. Going over the 30% can cost you valuable points!
- Only open new accounts when recommended by us.