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Great Credit Means Great Rates

Get a Credit Analysis to help you understand the likelihood of you being Approved For A Mortgage

Schedule A Consultation

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Great Credit Means Great Rates

Get a Credit Analysis to help you improve the likelihood of being Approved For A Mortgage

Schedule A Consultation

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How It Works

Our 3 Step Process

Step 1

Schedule A Consultation

This is the most important step as it will determine if we can take on your file. We do not take just anyone. Sometimes there isn't a need for credit repair but rather credit building.

Repairing your credit means removing or correcting negative items from your report then focusing on building it up. Building credit is adding positive accounts to your file. In this consultation we can guide you in the best possible way to build up your credit.

Step 2

We Analyze Your Report

In order to render an effective consultation we need to view your credit report. Although Experian and Credit Karma are the most widely used monitoring options, we need what's called a Tri-Merge Report.

This is done through a monitoring company that brings all 3 Bureau reports into one report. This is the most accurate way to determine what is affecting your score. Credit Karma is a very vague score used only to get you to apply for credit cards whether you qualify or not.

Step 3

Upload Documents

More than 80% of credit reports have negative, erroneous or inaccurate information hurting consumers where it counts the most. That's paying more in fees and rates which means less money for the family.

Utilizing the Analysis in Step 2 we determine what items are affecting your credit and attack them based on hundreds of data points that must be reporting correctly and factually if not they must be removed.

Get My Credit Analysis

How It Works

Our 3 Step Process

Step 1

Schedule A Consultation

This is the most important step as it will determine if we can take on your file. We do not take just anyone. Sometimes there isn't a need for credit repair but rather credit building.

Repairing your credit is removing negative items from your report then focusing on building it up. Building credit is adding positive accounts to your file. In this consultation we can guide you in the best possible way to build up your credit.

Step 2

We Analyze Your Report

In order to render an effective consultation we need to view your credit report. Although Experian and Credit Karma are the most widely used monitoring options, we need what's called a Tri-Merge Report.

This is done through a monitoring company that brings all 3 Bureau reports into one report. This is the most accurate way to determine what is affecting your score across the board. Credit Karma is a very vague 'vantage score'

Step 3

Dispute Negative Items

More than 80% of credit reports have negative, erroneous or inaccurate information hurting consumers where it counts the most. That's paying more in fees and rates which means less money for the family.

Utilizing the Analysis in Step 2 we determine what items are affecting your credit and attack them based on hundreds of data points that must be reporting correctly and factually if not they must be removed. We must also simultaneously build positive credit as we remove or correct items.

Schedule A Consultation

"The average American pays around $6,000 a year in debt. When you improve your rates you get to keep that... 🤔"

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About Us

Respawn Legacy

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