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AUSTIN

CREDIT

GROUP

AUSTIN CREDIT GROUP: WHERE A NEW LIFE BEGINS!

AUSTIN CREDIT GROUP -- CREDIT IMPROVEMENT, IRS TAX RELIEF, DEBT MANAGEMENT, CREDIT COUNSELING, CREDIT REPAIR, & CREDIT REBUILDING

WE ARE HERE TO HELP YOU, YOUR CLIENTS, AND YOUR FRIENDS GET THEIR LIFE BACK!

Our Approach to Credit Repair Our Programs

All our programs begin with a review of your current credit profiles from all three credit bureaus.  We call this our "Credit Profile Order and Review."  Details and instructions are available at this link.

Our Credit Repair programs have a proven track record.  We see the best results when our Debt Settlement, and Credit Repair programs are implemented at the same time.

A sample of one such client's documents will show you how effective our service can be at restoring our client's credit profiles.  This Client Tracking Worksheet is the design of ACG.   

When the records are challenged the dates are yellow.  At the conclusion of the investigation, and the result reports are received, the colors change; green is deleted, and red indicates the record is still on the file.  These results are from the first round of disputes.

Our Debt Settlement program is a letter writing campaign to the creditors notifying them the account is in dispute.  Included are the following demands: send ACG their validation as proof of the debt, and if this is not available, they must remove the records from the profiles at all three bureaus.  They are also notified that once the proper validation is received, we will enter into negotiations with the goal of having the records removed from the profiles.  Negotiations are entered into on a Retainer Agreement.

WE ARE HERE TO HELP YOU, YOUR CLIENTS, AND YOUR FRIENDS GET THEIR LIFE BACK!

Appointment List and Initial Payment At What Rate Do You Qualify?
To be scheduled for an initial appointment the client must sign up for our Credit Profile And Review program {link}.  When you do come to the appointment you will need to bring the documents listed at this link.

Our office disputes the validity of nearly all negative items on your reports.  This is akin to standing up in a court of law and stating "Not Guilty."  This sets the bureau into an investigation of each item with the entity that placed the information requiring the information be proven and valid or it is removed from your report.

We make no guarantees of a specific item's removal, but assure you will see an improvement in your profile.

 

Your credit score will determine the interest rate a lender will offer you on their loan program.  The only difference here is 0.55% in the Annual Percentage Rate (APR).  Compare your options yourself here!
  1st Option 2nd Option Difference
Loan Amount $125,000 $125,000  
APR % 4.99% 5.54%
Term (months) 360 360
Payment (Monthly) $670.26 $712.88 $42.61
       
Interest Paid (First 60 months) $29,985.42 $33,409.46 $3,424.04
       
Term of Loan % $116,294.78 $131,635.54 $15,340.75

The difference between these two programs could be as little as 50 points on the FICO Score.  Our clients see 120 to 200 point improvement in 3-6 months in most cases.  Some see positive results in the first 45-days of our program.

WE ARE HERE TO HELP YOU, YOUR CLIENTS, AND YOUR FRIENDS GET THEIR LIFE BACK!

     
©2010-2012 Stephen W. Gangey, All Rights Reserved