Independent Credit Repair

The #1 Credit Repair Solutions

Independent Credit Repair (ICR) has prepared the most effective credit repair process with proven results. We already did the hard work for you. Start now with repairing your credit without giving away thousands of dollars to credit repair companies. This website alone will provide you with the necessary information to effectively remove your debt. For more information about credit repair, purchase our credit repair manual today and become independent and debt free!

Why Use Independent Credit Repair?

Security - One of the biggest reasons to use Independent Credit Repair is protection of your most private and intimate information. All credit repair companies request your personal information such as your full name, home address, phone numbers, email address, copy of your driver’s license, copy of your credit report, copy of current utility bill, credit card number, social security number, and if they open a tradeline for you they will request your bank account information. There are many fraudulent credit repair companies taken innocent consumer’s information and using it for other illegal business purposes. Identity thief is happening at an alarming rate. Providing your personal information to credit repair companies only increases the possibility of your identity being stolen. Since we only provide you with the most effective process to improve your credit we do not require any of your personal information.

Save Money – Credit repair companies will charge you an up front fee ranging from $100-$500 to analyze your credit report. In addition, they will charge you a fee ranging from $20-$200 per month for on-going services they deem necessary to repair your credit. Independent Credit Repair only charges a one-time fee of $30.

Streamlined Process - Our mission is to provide the consumer with the most cost effective way to legally remove debt from their credit report, and increase their credit score. The key to successful credit repair is having a clear understanding of the credit laws and credit repair process. Our credit repair manual simplify the understanding of each important section of consumer law, and provides you with the most effective method to rapidly cleanup your credit report and increase your credit score.

Self-sufficient – ICR and the Federal Trade Commission embrace the same ideological principals when it comes to the basics of credit repair. Both organizations share the fundamental belief that the credit repair process is most effective when performed solely by the consumer. Unfortunately, the Federal Trade Commission does not provide the consumer with all the necessities on how to effectively bring the credit repair process to fruition. ICR takes tremendous pride in ensuring that our clients have a plan of action to repair credit that is legally compliant with local, state and federal laws.

Dispute and Delete the Following:

• Auto Loans • Bankruptcy • Bank Loans • Charge-Offs • Collections • Credit Cards
• Foreclosures • Home Loans • Inquires • Late Payments • Liens • Repossessions
• School Loans • Utility Bills

Who’s Using Independent Credit Repair?

Our clients are diverse and cover many demographics. What all of our clients have in common is that they all share a common desire to improve their credit and financial future.

Can you identify yourself below?

Potential Homeowners
Existing Homeowners
Landlords
Tenants
Parents
College Students
Business Owners
Real Estate Salespersons
Real Estate Brokers
Real Estate Investors
Mortgage Brokers
Attorneys
Accountants
Professional Athletes
Models, Actors and Actresses
And Many More…

Why You Should Never Use a Credit Repair Company

In the event you are still contemplating engaging a credit repair company or if you are currently using one, consider the following:

Personal Information – In order to work on your behalf, you must provide your personal information to the credit repair companies. It is the release of such private information that makes consumers vulnerable to scams and identity theft. Today’s economic climate has created an environment that is very susceptible to internal ethic violations by the misuse of proprietary information. Many credit repair organizations have been cited for selling consumer information without proper consent.

ICR strongly recommends that our clients invest their time and not their money. ICR is here to help you privately repair your credit, so you do not become a statistic of consumer fraud. Using our credit repair manual you do not have to disclose any of your personal information to a third party.

Advanced Fees, monthly payments, and set up fees – The law dictates that credit repair companies cannot charge fees until they have provided a service. Most credit repair organizations work the system by implementing monthly payment plans or additional fees for consumers to incur after an initial consultation typically known as a “credit review or debt analysis”. Most credit repair businesses are “for-profit” organizations, meaning that the ultimate goal is to consistently make a profit. Unfortunately, the end result is that the consumer is impacted by incurring more debt in order to repair credit. Instead of paying advanced fees and monthly payment the consumer can apply that money to pay off low balanced debt once the item is removed from their credit report.

All talk no direction – The internet contains a plethora of websites with free information regarding credit repair. Some of the information on the web is very valuable; however, you will find that some of the information can be misleading or not as informative as one would like. Many websites neglect to provide a holistic view of the strategies and methods that are necessary to complete the entire credit repair process. In addition, some sites recommend a consultation and charge consumers outrageous fees to speak with a credit counselor. Consumers may find that some of the information may seem helpful initially, only later to learn that it did not accomplish the goal of repairing their credit.

Attorney’s cost – Do you really think an “Attorney” cost $20-$60 per month? Typically Attorney’s charge clients based on the number of billable hours that it takes from the time they open your case, to the time the case is closed. These fees include any research, correspondence, phone conversation, etc that is done on your behalf. Most attorneys charge from $400 to $5,500 to draft a contract. You really think they will work on your dispute letters or settlement agreements with the creditors, collection agencies, and credit bureaus for $20-$60 per month? Of course not. In addition, the more issues that arise with repairing your credit, the more they will charge you. Most attorney services for credit repair will cost at least $5,000. ICR invites you to save money and invest in educating yourself to take accountability for improving your credit status.

The Letters – The credit repair companies can not use or send their letterhead to the credit bureaus to dispute your credit. They can only use your name. They have to make it appear as if you sent the letter! So if they can not reveal that they are representing you, why would you pay them to represent you every month? Also refrain from using sample dispute templates that you see all over the internet. They are potential red flags to the credit bureaus which could possibly place your disputes in the Frivolous pile. Once your dispute is labeled frivolous it will never get investigated! ICR provide dispute letters, included with our e-manual that contains the powerful language you need to get the full attention of the creditors, collection agencies, and credit bureaus.

Who’s on your side?

Many individuals have a misconception that the federal trade commission, credit bureaus, and credit repair organization are all on their side when it comes to credit repair. Not entirely. Consumers are unaware that the federal trade commission does not resolve individual consumer complaints, or that the credit bureaus are “for-profit” organizations that gather all of your personal information and sell it to increase revenue. In addition, credit repair companies will never provide you with the information they use to dispute and eliminate your credit issues. Try asking for a copy of the dispute letters that they send to the creditors and credit bureaus. Most likely they will never provide you with a copy.

Independent Credit Repair is on your side to inform you that there is a more economically sound solution to repairing credit that involves educating the consumer. The advantage of utilizing ICR is that you will acquire the knowledge to repair your own credit. It is not uncommon for individuals to fall behind in payments and have credit issues resurface. Every time you have a dispute or credit issue you should not have to rely on a credit repair company and pay more money to resolve it. The ICR manual provides you with the entire scope of documents, processes, and solutions to eliminate debt and increase your credit score.

Do it Yourself Phenomenon

You do not have to be a licensed professional to perform many of the services needed to successfully handle your own affairs. For example, many people successfully represent themselves in court, do their own taxes and bookkeeping, sale their own homes without a real estate agent, do their own home improvements, and many people through Independent Credit Repair successfully fix their own credit! We already created the process for you to follow. So start successfully fixing your own credit today!