Our Process to Address Your Financial Situation



The first step in the process is to speak with you either in person on by phone to determine what and how severe your current financial situation is. This will enable us to determiner what course of action needs to be taken



The second step is to complete the audit of your finances and statements to see if we would be able to assist, and in what manner. It is important to note that we only charge for our initial consultation. We do not charge for any other services. Our goal is to help those who would not normally have this opportunity due to the standard high cost of these services with other companies. We feel you have suffered enough.

Achieving your goals


Finally, we will continue to assist you to the best of our ability until we see your objective reached. Depending on the circumstances, some cases can take 60 to 90 days, while others can take 18 months to 2 years. During our services, our fee is a month by month basis according to the work completed. We do not charge an initial upfront fee. We are here to simply guide you to the best possible outcome.

4th Credit Bureau Innovis

We assist you with more than just the basics.

 Home » Articles » Credit » The 4th Major Credit Bureau You Probably Overlooked

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A fourth credit bureau… Did you know that there are more than three credit reporting agencies in the United States?

Of course, we’ve all heard of Equifax, Experian, and TransUnion. Interestingly, there is a fourth credit bureau called Innovis that is both well-established and has a significant database of consumer information. Here is a brief overview of those three major players, what you should know about this fourth credit bureau, and a few additional steps to take if you were impacted by the Equifax breach in 2017.


The Three Major and The Fourth Credit Bureau

A credit bureau is an agency that collects and maintains consumer credit information for resale to businesses on an official credit report. Most people are familiar with the big three credit bureaus—Equifax, Experian, and TransUnion. Each is a publicly-traded for-profit company that is subject to some regulations by the government’s Fair Credit Reporting Act.

There is a common misconception among consumers that credit reports and scores from these three agencies are the same, which isn’t necessarily the case. In fact, there may be discrepancies among the reports, mistakes that could impact credit and even data breaches that endanger your personal information.

The Little-Known Fourth Credit Bureau

In addition to the three major credit bureaus, there is a fourth credit agency that many haven’t heard of called Innovis. This is a company founded in 1970 under the name “Associate Credit Bureaus (ACB)” and given its current name in 1997. You can do a credit check with Innovis and receive a copy of their credit report, but that isn’t their primary service. For the most part, Innovis deals directly with businesses to authenticate consumer data, sometimes for use in pre-approved credit and insurance offers. One thing that Innovis doesn’t provide that the other credit bureaus do is a credit score.


How to Boost Your Credit Score

Here’s five ways to boost your credit score over time.

1. Pay your Bills on Time

It may seem simple, but this is a good way to raise your credit score. If companies see that you have paid on time and regularly, they develop higher levels of trust for you. This can only be done when you are in permanent, full-time work, so your regular income can cover the cost of your bills each month. A few years of being financially stable will go a long way in helping you achieve any goals that may require a good credit score.

2. Use your Credit Card Responsibly

Having a good credit score means you are a safe bet. Taking out a credit card can be a good way of proving your responsibility with money. Always pay the bills on time, and never spend too much. This will show that you can handle money. You’ll soon find that your credit limit goes up and your credit score rises.

3. Get Back on Track

Life doesn’t always go according to plan, and sometimes payments are forgotten. If you have late payments, don’t fret; make a repayment plan and set up alerts for future payments. The most important thing is to be organized with your money. Once you are organized, your credit score will soon be rising again.

4. Don’t Overspend

Maintaining a good credit score is all about regularity. Even if you spend a large chunk every month and pay it all back, this can still have a negative impact on your credit score. Keep your balances low and consistent and your credit score will soar.

5. Don’t Hold Too Many Balances

It can be tempting to take out a number of credit cards, but having too many can start to hurt your credit score. If you have many low balances over a few cards, think about paying them off and concentrating on only one or two. This will be much more manageable in general, as you will have fewer payments to think about and your score will rise. Credit ratings favor responsible and regular people who are not too frivolous with their spending.

When we first get a credit card, we don’t often think about the long-term effects of our credit scores. The shine of a first credit card is an exciting thing, but it does not last.

Taking these few steps to achieving a better credit score will help you plan for the future.

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Weather you are an individual starting our or starting over, or if your a family that finds itself struggling. If your looking to make a big purchase and just need that boost then we are here to assist. Contact us today for a consultation.

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