Levelup720 Consulting focuses on credit enhancement, providing a proactive and comprehensive approach to improving your credit profile.
Credit repair and credit enhancement are distinct approaches to improving one’s financial profile, with credit enhancement often providing more comprehensive and potentially better results. Here’s a breakdown of the key differences:
Credit Repair vs. Credit Enhancement
Credit Repair:
- Focuses on removing negative items from credit reports
- Typically addresses past issues and errors
- Often involves disputing inaccuracies with credit bureaus
- May have limited impact on overall financial health
Credit Enhancement:
- Takes a holistic approach to improving creditworthiness
- Focuses on both present and future financial strategies
- Involves active participation in improving credit profile
- Aims for long-term financial health and stability
Why Credit Enhancement is Superior
- Comprehensive Approach: Credit enhancement goes beyond just fixing past issues. It involves developing strategies to improve overall financial health, including debt management, savings plans, and building positive credit history.
- Proactive Strategy: While credit repair is often reactive, credit enhancement is proactive. It focuses on creating a strong financial foundation for the future.
- Long-term Results: Credit enhancement strategies often lead to more sustainable improvements in creditworthiness, as they address underlying financial behaviors and habits.
- Broader Financial Impact: By focusing on overall financial health, credit enhancement can lead to better loan terms, lower interest rates, and increased financial opportunities beyond just credit scores.
- Educational Component: Credit enhancement often includes financial education, empowering individuals to make better financial decisions in the long run.
- Customized Solutions: Credit enhancement strategies can be tailored to an individual’s specific financial situation and goals, offering more personalized and effective results.
- Positive Credit Building: Instead of just removing negative items, credit enhancement focuses on actively building positive credit history, which can have a more significant impact on credit scores.
- Addresses Underlying Issues: Credit enhancement often involves tackling the root causes of credit problems, such as overspending or poor money management, leading to more lasting improvements.
By choosing credit enhancement over simple credit repair, individuals can expect better, more comprehensive results that extend beyond just improving a credit score. This approach leads to overall financial wellness and opens up more opportunities for financial success in the future.
Latavius Robinson, President & CEO
WE CONSULT WITH YOU ON HOW TO DEAL WITH NEGATIVE ITEMS ON YOUR CREDIT REPORTS
Medical Collections
Whether you owe a medical bill or not, your personal medical information must remain private. I consult with you on how to remove any improperly disclosed medical debt from your credit report.
Collections
From old credit cards to medical bills, I consult with you on how to validate the legality of debts and handle the process of disputing illegitimate collections.
Late Payments
Late payments can significantly drop your credit score. I consult with you on how to employ strategies to get creditors to reverse late payment marks, helping you regain valuable points on your credit score.
Foreclosures
Having a foreclosure on your credit report can hurt your ability to move forward. I consult with you on how to use various processes to help remove foreclosure marks, especially if your original mortgage provider was involved in legal issues.
Duplicated Accounts
Errors can occur when an original creditor sells your account to a debt collector. I consult with you on how to ensure your credit report accurately reflects your financial history by addressing these mistakes.
Charge Offs and Write Offs
These terms indicate a debt reported as a loss. I consult with you on how to work to correct how these debts are reported on your credit report, ensuring they are not inaccurately listed as assets.
Hard Inquiries
These are inquiries that you’ve approved to be made by companies looking to give you credit. Hard inquiries can drop your credit scores and having too many of them can hurt your chances of getting approved for a loan. I consult with you on how to use specific strategies to get hard inquiries removed from your reports.
Auto Repossession
If your vehicle has been repossessed, you have rights. I consult with you on how to ensure all legal steps were followed in your repossession process and work to minimize its impact on your credit.
Incorrect Personal Data
Mistakes in your personal information can hurt your credit score. I consult with you on how to correct inaccuracies in your personal data across all three major credit bureaus.
Bankruptcies
You cannot legally file bankruptcy and dispute that you didn’t file bankruptcy on your credit reports. The bankruptcy must show correctly and if there are inaccuracies in the placement it must be removed immediately. I consult with you on several strategies to get this done.
Soft Inquiries
These are inquiries that the credit reporting agencies allow to be placed on your reports so you can see who purchased your data to market to you. Soft inquiries do not affect your credit scores and don’t hurt you. However, I consult with you on how to ensure they are accurately reported.
Unidentified Collections
Collections that were not properly disclosed to you must be challenged. I consult with you on how to handle the process to remove these collections from your credit report.
Full Disclosure
While Levelup720 Consulting strives for the best outcomes, We cannot guarantee specific results as credit enhancement involves third-party agencies, creditors, and furnishers. The time-frame for credit enhancement may vary. If you ever feel there has been a misrepresentation, please contact me immediately at (850) 821-3285. I am always available to address your concerns and assist you during business hours. You also have the option to cancel my services at any time.
Take the Next Step
Your credit score is crucial for securing better interest rates for loans, credit cards, and insurance, and can even impact job opportunities. Don’t wait any longer to improve your financial future. Click the link below to get started on your journey to better credit.
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