C C G Welcome Package
- 1. Clearview Consulting Group Welcome to Clearview Consulting Group! You have just taken the first major step to controlling and improving your financial profile. In todays world, the three digits that make up your credit score are the most important three numbers in your life. They determine the interest rate you pay on financed purchases, if you will be eligible for employment, or if you can achieve or maintain a government or military security clearance. It even affects our social lives, as many of the leading online dating websites now ask your credit score when creating a profile. The Federal Trade Commission (FTC) regulates the three major Credit Bureaus through the Fair Credit Reporting Act, commonly referred to as the FCRA. Most people are under the impression that nothing can be done to change the information on their credit reports. Thankfully, this is not true. Federal law allows consumers the right to have information reporting to their credit report verified and corrected. No one can legally remove accurately reported information from a consumers credit report. However, the law clearly states, any information on a credit report that is inaccurate, incomplete, misleading, biased, or unverifiable must be removed. That being said, you the consumer are ultimately responsible for ensuring that your credit report accurately reflects your conduct as a consumer. Clearview Consulting Group, LLC has effectively removed the following for our past clients: Bankruptcies Tax Liens Charge offs Collections Late Payments Judgments Repossessions Foreclosures In recent years The Fair and Accurate Credit Transaction Act made it easier for a consumer to obtain and monitor their credit reports for identity theft, inaccuracies or fraudulent activity. In 2004, The California Public Interest Research Group conducted a study that showed 79% of all credit reports contained serious errors. These errors affect your financial life. Through Clearview Consulting Groups services, we will conduct and audit your consumer credit reports, evaluate what is affecting your credit score, and handle the formal dispute process. Both by law and our internal ethics, we cannot guarantee any specific results; as each case is different.
- 2. Clearview Consulting Group However, the goal is to remove the derogatory items that are unverifiable, uncollectable, and outside of the statute of limitations, and guide you in establishing positive trade lines so you can bring your credit profile to its pinnacle. We will explain how your credit reports and the FICO scoring system affect your day to day finances and determine the way you live your life. Whether it is consideration for potential employment, lower interest rates on your credit cards, qualifying for an auto loan, or perhaps an approval on a mortgage loan, a lower interest rate could save you hundreds or thousands of dollars over the term of just one loan. Considering the amount of loans and consumer debt the average American acquires over their lifetime, with good credit you could be saving a lot of money. Clearview Consulting Group, LLC is far from your average consulting firm. We started this business with the idea that consumers should be able to do something about inaccurate, derogatory items on their credit reports. Our approach is to offer a truly personalized service from the initial consultation, providing you with a wealth of knowledge to make sure you fully understand the entire process; and the consequences of every financial decision you make from this point forward, as pertaining to your credit. Clearview Consulting Group, LLC carries the absolute best technology, process and operations to get a very complicated and lengthy task done quickly and with unparalleled quality and success. Our proven technology and online database simply exceed other companies offering similar credit repair services. What is FICO? The Fair Isaac Corporation is a publicly traded company on the New York Stock Exchange; traded under the symbol FICO. Headquarter in Minneapolis, Minnesota they offer consulting services and enterprise decision management systems. The FICO scoring system was designed by engineer Bill Fair and mathematician Earl Isaac in 1958, as a tool to assess and measure the risk of lending money to an individual. The FICO scoring system is the most recognized and widely used credit scoring system in the world. It is currently used by both TransUnion and Equifax, as Experian has recently adopted their own internal scoring system. In the United States, FICO credit scores range from 300-850, with 723 being the median FICO score of Americans. Scores are based on payment history, outstanding debts, credit history, new credit, and credit currently in use. What affects your FICO score? Payment History 35% Balance to Credit Limit Ratio 30% Length of Credit History 15% New Credit 10% Types of Credit Used 10% ____________________________________________
- 3. Clearview Consulting Group These factors alone make it difficult to keep a high credit score, so when you have derogatory or inaccurate information negatively reporting on your credit, it is nearly impossible to keep your score consistent. In addition, it is widely known that many financial institutions take advantage of this in order to charge you higher interest rates for their loans, products or services. Derogatory and inaccurate information are even more difficult to have removed properly because they report to all three major credit bureaus, thus making the dispute procedure a three-part process. Clearview Consulting Group works diligently with all three major credit bureaus to resolve the derogatory information on your credit report. Where Do You Stand? Credit Rating Credit Score A+ 750 + A 700 - 749 A- 680 - 699 B+ 660 - 679 B 640 - 659 C+ 620 - 639 C 600 - 619 D-F 599 & below In many cases bad credit costs the average consumer $200+ per month. While you can see the importance of good credit, maybe you have not given much thought to how much bad credit is costing you. Inaccuracies and errors reflect negatively on your character and limit your financial options. By having a lower credit score you are being financially punished in almost aspect of your life. Clearview Consulting Group, will as your advocate in the tedious process of inaccurate and unverifiable information that is affecting your credit score and your quality of life.
- 4. Clearview Consulting Group Commitment to Our Clients: We offer a full money-back guarantee (please visit www.Clearview consultinggroup.com for full details) We offer unlimited disputes per account. You can even add new accounts while enrolled. On-line Customer Support 24 hours a day, 7 days a week. Through our fully interactive website, you can access your account and view your progress any day, anytime. Our processing staff removes averages 47.86% on average of derogatory items disputed in the first cycle alone. The removal of derogatory accounts results are common within the first dispute cycle! Though we are proud of serving our local community, we are licensed to service any client nationwide. We remove your derogatory items by challenging credit reporting agencies and the methods they use, which negatively affect your credit and cost you money. You will receive an email each time we work on your account, so you will always know exactly what is going on during your credit dispute process. Clearview Consulting Group, LLC is fully compliant with the Credit Repair Organizations Act (CROA) on a state and federal level. All negative items removed from your credit reports are designed to be permanent. Our extensive knowledge of the Fair Credit Reporting Act (FCRA), Fair and Accurate Credit Transactions Act (FACTA), and The Fair Debt Collections Practices Act (FDCPA) allows us to utilize numerous techniques to maximize results for each client. We pride ourselves on Business Ethics: Bottom line ~ you simply will not find a more dependable, ethical and helpful company to guide you to improving your credit. By Law and our Code of Ethics, we cannot guarantee specific results-but we can guarantee to work harder than anyone else.
- 5. Clearview Consulting Group Requested Documentation for Enrollment Enrollment Process (Note: if you are enrolling with your spouse, please provide all of the required items for both of you. You will need to provide separate proofs of residence for each person.) This is what we need from you in order to complete your enrollment: 1. 2 Verifications of Residence (gas & electric bill, cable/phone bill, water bill). 2. Copy of Drivers License/Government Issued Identification Card (when faxing please enlarge to 145% on copier and make sure it is clear) 3. Copy of Social Security card or last years W-2 4. Voided Check (if paying by ACH) 5. Completed Payment Authorization Form (included in Service Agreement) 6. Signed and Completed Service Agreement 7. Full Tri Merge Credit Report with credit A complete Tri-Merge Credit Report with your credit scores can be obtained at www.watchmyscores.com Please Scan or Fax verification information to (206) 339-5298, please email your Analyst after any fax to confirm receipt. Once the Service Agreement and the supporting documentation is received is received; we will conduct our analysis. The usual turnaround time when we receive of all information to the mailing of your dispute letters is 7-10 business days. Once you are enrolled in our program, you will be emailed a login and password giving you access 24 hours a day, 7 days a week to track the progress and activity on your account. We also email out clients summaries of any and all work performed on your account.