Not at all. My Credit Guy is extremely aggressive with the dispute process. We tackle all the negatives reporting across all three credit bureaus immediately. This means our clients get the speediest and most productive service possible.
Yes, we definitely do. Following our aggressive and targeted dispute process, we will assist in listing out which creditors remain as valid and whom it makes the most sense to work towards paying. We can also advise on strategies to effectively negotiate with the creditor to see an even more favorable credit response.
Yes. As part of our process, we quickly help our clients figure out which positive accounts they are missing in their credit profile (if necessary) and help partner them with the ideal companies that suit their needs. When it comes to credit cards, they are not all created equally. We want to be certain our clients get the best choices available to them.
No. There will not be any way for it to be known you hired or worked with a credit repair company. There is no downside to working with My Credit Guy. Every part of the process is designed to increase your credit scores.
Our service is much more targeted and aggressive than other credit repair companies, as well as much more comprehensive. We dispute all the invalid negative accounts reporting with all three credit bureaus immediately. We also include in-depth credit and financial education with a detailed game plan that’s unique to each individual customer. Most of our clients are in the process of trying to achieve home ownership or some type of loan, so we’ve customized our entire program to achieve their goals quickly and efficiently.
Unfortunately, the credit bureaus and creditors do not make it an easy process to update inaccuracies on your credit profile. In addition to that, it’s very time consuming and most individuals simply don’t have the kind of time or expertise to put into it. It’s very common for consumers to actually lower their credit scores while trying to clean it up themselves, as there are many pitfalls in the scoring algorithm for mistakes to be made.
We have a couple different options for you to submit a client to us for a free review. Depending on your comfort level and company policies, you can either email a client over to us at FreeReview@MyCreditGuy.com (also cc your My Credit Guy representative) or simply submit a file through our secure upload 'Client File Submission' button on the www.mycreditguy.com homepage.
While those resources are excellent solutions for the more basic credit score increase needs, many times more significant work is needed above and beyond what those methods can provide. After conducting a free review on each file you send to us, we will be able to tell you if a rapid rescore is in order and our services are not necessary or if the client would benefit from enrolling in our program. No matter what, the decision on how to proceed will be up to you and the client.
Absolutely not! Our number one priority is to get our clients back to the closing table with our referral partners as quickly as possible. We do not consider a file complete until our referral partner has confirmed the closing. We are built from the ground up to accommodate the lending and real estate process.
While most clients are finished within 45 to 90 days, the maximum duration we would typically work on a client's file would be somewhere in the five-to-six month range. We always do a free review before enrolling each client so everyone is on the same page and we do guarantee our turn times.
Absolutely. We have countless success stories with other lenders. You can check out our Testimonials page (link for referral partner testimonials page) or our Facebook page (link to our Facebook page) to see numerous testimonials and endorsements.
Definitely. Credit education is our passion! We do lunch-and-learns, seminars, webinars, and meetings for our referral partners and their potential clients. If you would like to schedule a session, let us know!
Of course, our website is full of free content. If you visit our Blog section (link to blog section) you'll find numerous videos that can be shared on social media. We are also happy to send marketing materials for your company upon request.
Not at all. This is a circumstance the My Credit Guy team is well aware of and we make absolutely sure you not only have the scores needed before sending the client back to you, but also that all dispute verbiage has been removed. Make sure to let My Credit Guy know of any other lender overlays that need to be accommodated during the process so it is a very smooth transition back to the closing table.
Got questions? Check out our FAQ page or get in touch with us today!