Repairing your credit report and the benefit that comes with it is a smart financial decision but choosing a good reputable company to assist you with this process is often a difficult decision to make. Credit repair scams are close to the top of the consumers complaints reported to the FTC (www.ftc.gov). Unfortunately, 75% of credit repair companies are either scams, overpriced or are un-effective.

Many organizations charge you an endless monthly retainer fee for their services. When you think about it, with an on-going monthly fee, there is absolutely NO motivation for them to improve yo ur credit report/score in a timely manner. If these companies are able to charge you a $39, $49, $59+ a month fee for their services, then it makes perfect sense why they will drag out your credit improvement results for as long as they possibly can. Most of these companies refund policy states that you DO NOT QUALIFY FOR ANY REFUNDS until you've been a client for at least 12 months or they will refund their last months charge only. It might be 12 to 24+ months until you are satisfied with their results. The FTC states that you can not charge for credit restoration services until the credit restoration services have been fully completely. That's why High Rise Credit Consulting charges our credit restoration fee at the completion of your credit restoration service.

Also, don't be fooled into believing that attorneys are actually the ones working on your case. It is usually a team of paralegals, processors and/or customer service agents which is ok but they often mislead people. High Rise Credit Consulting is not a law firm and we don't claim to be.

Consumers have the right to attempt to clean up their credit reports on their own but the credit bureaus and creditors make this confusing process extremely difficult, time consuming and frustrating. You will save time, money and a lot of frustration by having a professional credit consultant manage your credit improvement process.

The truth about your credit report and score is that only 35% comes from your CREDIT HISTORY. The other key factors that affect your credit score are.

• AMOUNT OWED 30%
• TYPES OF CREDIT 10%
• CREDIT HISTORY LENGTH 15%
• ACQUIRING NEW CREDIT 10%

Our effective and educational High Rise membership program offers so much more than just credit restoration (which is priority #1) but we assist you all of the following.

• We do an in depth analysis of your credit reports
• We identify with you which items on your reports that are inaccurate derogatory and questionable
• Together, we create a tailor-made plan of action for your specific case for validation of these items
• Notices are sent out to the credit bureaus disputing these inaccurate derogatory and/or questionable information from your report
• As corrections are completed, you will receive copies of your revised credit report from the bureaus reflecting those corrections

The reason for building new credit is lenders do not know whether or not they should give you money without any credit history or a negative credit history. They need to see that you are a responsible debt payer, not a bad risk. You need good credit in order to prove your credit worthiness.

Based on your individual case and credit report, we will create a customized plan for you to quickly and safely build and re-establish your credit during the same time we are working on your credit improvement process.

Four of the most important things you can do for building new credit is

• Borrow money responsibly
• Pay down or off your debt as fast as possible
• Make all of your payments on time
• Open a couple of small credit limit credit card accounts and pay off whatever you place on the card every month (Note: Your High Rise Credit Consultant will help instruct you on which credit cards would be best for you)

Once all of your inaccurate derogatory and/or unverifiable information is removed from your credit report, your score will automatically rise up but we don't just stop there.

• Credit Accounts- Having accounts listed in your credit reports is a positive factor because your accounts payment history shows lenders how you pay your bills. However, having to many accounts may be considered a negative factor because lenders might worry that you are spending (or are preparing to spend) beyond your means, even if you have never missed any payments. Your High Rise Credit Consultant will instruct you on what is the best action plan to improve your credit accounts.
   
• Payment History- Missing payments is obviously a negative factor for your credit and plays a major roll in driving down your score. Lenders understand that many people occasionally miss a payment or pay late. Missing payments on an account may not be as harmful as missing several consecutive payments. Many lenders consider missing 3 or more consecutive payments to be an indication that you might never repay them. If you believe that a late payment(s) is wrong, your High Rise Credit Consultant will ask for 100% validation from your creditor(s) to make sure that the late pay(s) they placed on your credit is true and accurate. If they can not show proof that you were late, by law, it will be removed. (Note: Accurate and true late pay(s) must remain on your credit) The most effective way to improve your payment history is to get all of your bills current and stay that way.
   
• Credit Usage- Having very little credit usage available is a negative factor because lenders worry that you are living beyond your means and you may not be able to repay them. If your credit usage amounts are to high, your High Rise Credit Consultant will instruct you on what exactly you should do to get your credit accounts in good standings to raise your score and to be in good standing in the eyes for future lenders.
   
• Applying For New Credit- Several credit inquiries during a short period of time means you are attempting to open multiple new accounts and this lowers your credit score. Credit scoring software usually recognizes when you are shopping for a single loan within a short period of time, such as a car loan. If multiple inquires are necessary, try to have them pulled as closely together as possible. (Note: Adding new accounts to rapidly sends up a red flag to lenders that you might not be able to handle your credit responsibly) Your High Rise Credit Consultant will provide you with a healthy mixture of revolving, installment and fixed payment loans with reputable companies with the best programs and lowest interest rates for accounts that you might need.
   
• Length Of Credit History- Time is really the only thing that can improve this aspect of your credit report.

This is one of the most important parts of our membership program and we believe that our unlimited credit management & financial education is the driving force to help you financially stay on track for the future. The experienced High Rise staff is always available for any questions you have in regards to your credit and finances now or might arise in the future.

If you are committed to working towards financial control of your life, a good place to start is with financial education. High Rise Credit Consulting is dedicated to inspiring and assisting you as you begin to make the necessary changes in your financial life.

The High Rise Credit Consulting Credit/Financial Education Manual (which is mailed to you once you become a member) includes valuable information and tools you will need to enable you to save time, money and strengthen your financial knowledge and money management skills. You will be so surprised on how useful and practical this information can be to create a basis for improving your financial future today!

Here is a sample of some of the items included in the High Rise Credit Consulting Credit/Financial Education Manual

Table of Contents

1. Introduction - About High Rise Credit Consulting and our Mission

2. The Truth About Credit

3. Credit Cards

4. Buying an Auto or Home

5. Debt Management

6. Creating An Emergency Fund

7. Checking And Savings

8. Taxes

9. Retirement

10. Useful Financial Web Sites

11. Credit / Financial Glossary

And tons of more useful and helpful information are included in the manual.

We provide the highest quality service to our valued members and you can expect nothing less. You have an opportunity to become a member in what we believe is the most beneficial "Credit / Financial Improvement program" out there!

We give you all of the tools and info you need to succeed!