| What we have and offer |
What they have and offer |
| We maintain relationships with all of the credit bureaus. |
They typically do not. |
| We have a full staff that deals with all areas of credit and debt. |
They are usually a one- or two-person show. |
| We are well-versed in debt negotiation and we can negotiate the debt with a legal stipulation to remove the tradeline from the credit report. |
They usually do not offer this service. |
| We have on retainer an expert credit legal team. |
They often do not. |
| We use secure, encrypted, state-of-the-art computer software to document and handle our dispute process. |
They use insecure, aftermarket software that does not produce results. |
| We utilize detailed tracking and certified & registered letters in addition to new, technological methods to obtain superior results. |
They typically submit information only in a digital manner. This method leads to a higher rate of failed disputes and other negative items reappearing on your credit report after 30-60 days. Not a nice thing to see after you have already paid for the service. |
| We submit affidavits when necessary, and have a staff of notaries to validate documents as required. |
They do not have this service, or charge an exorbitant fee for it. |
| We are the only credit restoration company that is a member of the Association of Family Law Professionals. |
They are not. |
| We are not only a member in good standing of the Better Business Bureau of West Florida, but we also have a positive rating. We invite you to visit their website. |
Some companies say that BBB members pay for a good rating. Unfortunately, they are the ones that have negative ratings and/or complaints, or have not established their businesses. The BBB is an independent third party that looks out for consumers' best interests. |
| We are the only credit restoration company that is also licensed by the State of Florida as a Mortgage Business School and we are licensed as a course provider to teach continuing education to licensed real estate agents. Although no one in the office is permitted to hold a mortgage or real estate license, we only perform credit and debt services. We do not do real estate or mortgages. |
They are not. |
| We address other items that affect your score: A.K.A.'s, additional addresses, excessive places of employment, unauthorized credit inquiries, etc. |
They may address one or none of these additional areas. |
| We are contracted with A&D Shredding; all of your information is shredded after use to protect your privacy. |
May have an office shredder. |
| Our credit consultation is one of the most comprehensive in the industry. We carefully cover every aspect of the credit report with you during your initial free consultation. |
They usually do not offer free consultations. They include their consultations after you pay them. |
