First and foremost, I do not work with skeptics. Don't need their business or money. So in the future, please respect the fact that you have never dealt with me or my business before before you start your sentence with "skeptical but curious", because I have a corporate resolution NOT to conduct business with potential clients that 1. show skepticism, 2. blame me for what others could not do, and 3. those who go out of their way thinking disputing derogatory credit works compared to what I do.
Now that you are clear on those factors, let me elaborate more directly about me and my business.
1. I have been in business doing what I do for over 38 years.
2. I come from a director position with Experian and a position of credit analyst with TransUnion.
3. When I worked for TransUnion, I was the person that processed all the derogatory credit that creditors would report to consumers credit histories so I know firsthand how it works, how it reports, and how to remove it.
4. I do not dispute anything. You do. I delete, remove, and add/enhance credit to a consumers personal credit report, for which you would not have that knowledge just by disputing, nor could you learn what I do.
5. My services are not cheap, and I guarantee my work.
There's several factors to raise a person's score, and I cannot go into great detail here but I can say this. Disputing is not the answer.
1. If I were to review your credit report or your husband's I could tell you what you would need to raise your fico score. But if you have derogatories, collections, judgments, and etc. reporting it would not raise your score if these items remained. So what I would do for you, is simply delete them. Once they are off, and I added a few seasoned tradelines then your fico score would raise.
2. Simply put, if your existing credit report is terribly destroyed I would recommend just creating you a brand new one with a guaranteed fico score already on it.
3. Before I would conduct business with you or your husband, you would first have to register as a member in my online credit club at the Yahoo! link below. I have over 400+ members there that use me regularly to remove, delete, and enhance their credit on a regular basis. And I can easily provide you references to check out my abilities and my work. Below are a few client email addresses that have used me for over 10+ years or most recently that you can contact directly and inquire about my services and my abilities.
4. Here's the link to my online credit club. You will receive an email approving your request to join FREE once you signup and submit your inquiry. After you receive it, you will get an email Welcome with additional information regarding how to get started with us. It's your choice, but I can do with your business or without. So the skepticism is not necessary because I don't need your money as badly as you need my expertise in this business. So you can continue, register FREE or not.
Here's the link to my online club, which you can easily see when you get there that has been online for over 11 years. If I were not good as I say, or if I was not capable to do what I say, I would not have members and Yahoo! would have shut me down due to member complaints. So there's your skepticism.
After using the link above to signup, and after you receive your Welcome email, then use the website link below to contact me directly and then we can discuss your needs or service requests, and prices.
Go to: www.BuyYourFicoScore.com
Once you complete this form, I will reply back to you personally with any additional answers you might have to more questions and I would hope that you would approach me more professionally or I will not conduct business with you because I do not need your business. A true fraud would not tell you that, but someone that knows what they are doing would and I would appreciate a professional deameanor when contacting me or I will not waste my time replying back. So if you do have more questions, please type them in the comments section of the form before submitting your inquiry. I will usually get back to you the same day.