Fix My Credit

Dr Grayson’s research proved that in order to obtain the highest percentage for this category your credit report must contain no derogatory entries.  Consequently, this is the first place we start.  One of the primary reasons that we are able to achieve such extreme results that other companies have failed to replicate is because we employ the Grayson Method.  The Grayson Method is a comprehensive process that guarantees the removal of every negative item on your credit report.  This system is implemented in phases to insure the most cost-effective correction methodology has been chosen for your particular circumstance. Each method has its particular pros and cons which we will explore in this brief introduction.  Ultimately you are in control of your credit enhancement process, so feel free to give us your input on how you would like us to proceed at any step in the process.  There are five processes that we can use to remove derogatory items.  These five steps make up the Grayson Method for Credit Correction:

1. Scrubbing
2. Administrative Remedies
3. Pay Per Deletion (client pays any fees associated with this process)
4. Settlement (client pays any fees associated with this process)
5. Legal Remedy (additional cost and fees associated with this process)

If after implementation of all five strategies your item still remains on your credit, then we will immediately refund all monies paid to delete that item.  Please keep in mind that after 12 years of business this has never happened.

1. Scrubbing Your Credit Clean

For most people this is typically what they believe is the entire credit repair process.  For most companies in the credit repair business this is their only strategy and once they exhaust this strategy, they can offer no further solutions.  For us this is the starting point.  Using this method, we can eliminate 30-80% of all of your derogatory credit on average.  This process usually takes 90 days but can take longer depending on your particular credit situation.  Upon request we will try up to three scrubs before moving on to a different strategy.  This is by far the easiest and most cost-effective way to eliminate derogatory items from your credit.  Our scrub process is the most effective in the country.  However, once this process proves ineffective or too time-consuming then it is time to move on to more aggressive techniques. Your initial program fee covers the cost of unlimited credit scrubs until such time as the desired score is reached.  Usually, we can achieve the desired score through the scrub process, however, in some cases this strategy may exceed the 90-day standard. 

1. Administrative Remedies

Once you and your agent have agreed that a more aggressive program is needed, the next step is using an administrative remedy. The scrub process involves disputes with the credit bureaus, whereas the administrative remedy process involves debt validation with each remaining creditor.  Each remedy is customized to the creditor and the individual circumstances.  Please complete the aggressive remedy worksheet so that we can proceed with this very successful strategy.  We do not start with this strategy because some items will be removed without taking it to this level.  Also, in rare cases this will result in an additional fee, our job is to minimize all additional costs.  Furthermore, we try to limit exposure to our methodologies so that it ensures maximum effectiveness.  Once our strategies become commonplace or published on the internet the creditors will not take them as seriously as they should.  This is why we customize each letter that goes out during this strategy.  This step will add consistent pressure to the creditor to force them to do the right thing, which is to choose to stop reporting the negative item.  We will ask you to mail some of these administrative remedies directly to the creditor and give them 2 weeks to respond. This process is called Debt Filtration and most debt filters will be mailed by our attorneys to the creditor. Please forward all mail received during this phase to your agent immediately.  Also please inform your agent if your creditor fails to respond so that the agent can increase the pressure.  This is the final strategy that does not involve any extra financial commitment from the client.  This step will take an additional 3- 6 months.

1. Pay Per Deletion

At any time during the cleansing process, you can advise your agent that you would like to employ a pay per deletion strategy on any given item.  At that time, we will offer to pay the creditor a stipend in exchange for agreeing to stop reporting that negative item.  Typically, this stipend will be in the amount of 10-20% of the debt owed.  This amount is paid in a one-time lump sum settlement.  This method takes less than 60 days to complete.  If time is important to you and we have already done at least three scrubs, then this is the method that you should strongly consider.

1. Settlement

Once we have exhausted all of the free remedies it is time to consider a settlement for all of those debts that you have not paid.  If you try a settlement on your own or through another company usually all you do is buy bad credit.  When we settle your accounts for you, we insure that the creditor stops reporting the negative item, which means that you are buying good credit.  We only advocate settlement for those clients who are in a hurry to restore their credit and do not have the time to continue options one and two.  This process takes less than 60 days.  Prepare to pay between 20-30% of the original debt.  Remember everyone else in the credit business will charge you 50% of the original debt; however, we do not accept kickbacks from your creditors.  We work for you to get the lowest possible settlement. 

1. Legal Remedy

This is easily the most effective process that we offer.  Because we are experts in debt and credit law, we can always guarantee a positive outcome with this process.  We have had so much overwhelming success with this process that we have done work for the head of the bar, many law firms, employees of covert government agencies, lawyers that offer foreclosure defense and many more.  This process has been extremely successful on all types of bad debts including judgments, garnishments, repossessions, charge offs, foreclosures, and bank liens.  The only reason we don’t simply take every credit issue as legal remedy from the start is that it would not be cost effective.  A legal remedy guarantees your success, but it comes at a premium.  You must first pay our fee associated with this legal process in addition to the cost of your credit service, secondly you may incur a filling fee and finally you must attend at least two court appearances with each remedy.