Prior to starting credit education and document processing services, you will sign a client agreement along with the following:
- Credit Service Agreement
- Authorization for Credit Repair Action
- Consumer Credit File Rights (CROA Disclosure)
- Right Of Cancellation Notice
The services we perform may include
- Document preparation and credit education. We will evaluate your current credit reports as listed with applicable credit reporting agencies and work with you to identify inaccurate, erroneous, false, or obsolete information. You will choose which items you would like to dispute. We will advise you on steps to be taken to dispute any inaccurate, erroneous, false or obsolete information contained on your credit reports.
- We will prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in your credit reports.
- You will forward to us your correspondence received from the credit reporting agencies and we will assist you in further correspondence with those agencies.
- Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours.
In return, for the services above, you agree to pay fees as outlined in your client agreement. You have the right to cancel your contract for any reason within 3 business days from the date you signed it. Just send written notice as outlined in your client agreement.
It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney.
It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney.
These people had amazing results
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I can honestly say working with Xperia Credit Consulting changed my life. My score went up over 120 points in just a few months! Roxie explained everything clearly and kept me updated every step of the way. I finally got approved for my first car without a cosigner. Highly recommend professional, fast, and they actually get results!
Callum R. |
I’d tried two other companies before and nothing changed. A friend referred me to Xperia Credit Consulting, and within 45 days, 3 collections and 2 late payments were deleted. The communication was top notch and they taught me how to keep my credit strong after the repair. Worth every dollar!
Ted M. |
My credit was a mess after some medical bills and an old repo. Eva and her team didn’t just dispute — they educated me. They helped me rebuild, add positive tradelines, and my score jumped from the low 500s to the mid-700s. I just closed on my first home last month! So grateful for Xperia Credit Consulting 🙏💳🏡
Hannah V. |
