OUR 3 STEP CREDIT REPAIR PROGRAM HAS BEEN CREATING HOMEOWNERS FOR OVER A DECADE, YOUR TURN!!
STEP 1 - Positive Credit
Trouble building positive credit? We have the resources to help you no matter what your situation. The result is higher scores and a more positive picture for lenders.
STEP 2 - Address Negatives
Any account that is inaccurate, outdated, unverifiable or incomplete can deleted off your credit reports. The result is cleaner reports and better credit scores.
STEP 3 - Settle Debts
Improperly paying collections may drop your scores (read blog post on settling) Ensure debts are properly settled so your credit increases and your reports enhanced.
It's not the balances on a collection that lower your credit score. It's the dates that do.
Here's an example: You have a collection from five years ago, perhaps an old medical bill. The balance is $125, and so you figure that paying it off will help your credit. This one-off payment, unfortunately, does not. What ends up happening is that the date refreshes, and every time that happens your credit score drops.
"The credit reporting and scoring system is not as simple as many think"
Garr Russell, the founder of Guaranteed Solutions
STEP 1 : BUILD POSITIVE CREDIT
STEP 2: ADDRESS NEGATIVES
STEP 3: SETTLE DEBTS
What John Says About Us
"Guaranteed solutions has been great. They almost always available and get back to you in a timely manner. They have explained the whole process and again as we go through it. I recommend them to anyone who is considering their service. Just give it a try."
Our primary goal is to get you to your goal as quick as possible. In that regard, services are available on a monthly basis. You are required to enroll in a credit monitoring service that we will use to track your reports and scores and they improve, the cost $24.95 a month.
The file setup fee of $199 is due 3-10 days after you enroll. Our monthly fee of $149 is due 30 days after. Our services are then month to month. If we do not have you to your goal in 3 months our fee then drops to $49.99 per month
Once you enroll we will get right to work and setup your client portal. You'll receive email and text alerts every time we are working on your file with all the details.
Garr has several certifications under the CCPA, FCRA, FDCPA and FICO PRO to set himself up as an industry authority. In 2013 Garranteed Solutions got the national title of "Mortgage Approval Experts." Garr has published two books about credit that can be purchased on amazon.com.
What Tania Says About Us
"My experience with Garranteed Solutions has been nothing short of what I expected, based off of what I've heard. I was referred to this service and I'm enjoying all that's coming my way. I told Garr that I had previously started cleaning up some things on my credit and he advised that his team would help me get to the end of the road. Great service and great staff!"
Click image below to see our Reviews on Google
Here are answers to some frequently asked questions:
There are two ways in which this happens. If an account is unverifiable, outdated, inaccurate, or incomplete, the FCRA says that a report is legible for deletion. The other approach is to leverage responses from different bureaus. If one deletes an account, the other one can be asked to do the same.
The short answer is yes. The long answer is that Garranteed Solutions has for the past five years had an A rating with BBB. In 2013, the company got the national title of "Mortgage Approval Experts." The state of Michigan has approved our courses, and we can teach classes to realtors who can earn continuing education credits. Garr Russell, the founder, has published two books about credit. They are
available on amazon.com.
The standard credit repair takes three to six months.
Paying a bill turned over for collection may be worse than ignoring it. Your recent payment history is more important than that of your past. Usually, after the first two years, collection accounts only minimally hurt your score. After four years, they get erased.
When you make payments to your collection account, it restarts the seven-year period an item remains on your credit report. In some states, paying an amount also resets the statute of limitations, making you eligible for a lawsuit from a creditor.
Paying collections after 12 months of inactivity may also lead to a drop in your score. Improper payments do not help your credit score. The reason is that it's not the money owed that hurts your score; it's both the status of the account and the date of last activity (DOLA). Older collections update
The three step credit repair solution has has worked hard to create over the last decade is the absolute reason why we have a perfect 5 star google review with almost 100 ratings.
We don't just dispute, dispute, dispute like our competitors lexingtonlaw and others, We help our clients build credit, budget, properly settle debts and cleanup the reports and scores holding you back from your goals.
Still not sure? Give me (Garr) a call now at and I will personally review your reports with you before you take another step.
© 2018 Garranteedsolutions. All rights Reserved