Credit Bureaus must follow the FCRA (Fair Credit Reporting Act) and Collection agencies must follow the FDCPA (Fair Debt Collections Practices Act) we make sure the bureaus and collection agencies are following these standards.
Credit Counseling is the process of helping consumers understand their credit reports and help understand any errors found on a credit report. There is no quick fix to a low credit score. We help you resolve negative debt, such as collections, charge-offs, etc.
Not only do we help you understand your credit reports, we will also assist you on how to obtain positive credit, understand what can harm your credit scores, and assist you on becoming home loan ready and so much more.
Home-ownership is so exciting. We have helped hundreds of clients experience the dream of home-ownership.
Understanding your credit, and why you need positive credit is one of the first steps to becoming home loan ready.
Yes, this is correct. Clients, who have completed our program experience scores greater than 640. This is why many lenders refer their denied clients. If you have recently experienced a denial for a home loan, we can help you!
Years of experience: 17
Position: CEO & Senior Certified FICO© Counselor
Christina founded the company to help consumers with challenged credit understand their legal rights. She also has experience as a mortgage lender and mortgage underwriter. She is a Certified Credit, Housing, Debt, & Financial Counselor.
Years of experience: 6
Position: Sr. Processor
Before joining Everlasting Credit Repair, Crystal worked for several underwriting companies. She brings a wealth of experience to the client relations team.
Years of experience: 15
Position: Certified FICO© Specialist & Analyst
Jason is an experienced mortgage professional and brings exceptional credit related experience to the team. Clients can expect to learn a wealth of information from him.
Years of experience: 2
Position: Sales Associate
Bradley started with us as junior consultant, went on to become full consultant, and has since grown into the manager of a successful sales team.
Years of experience: 1
Position: Junior Consultant
Daniel recently started with us. He is currently training to be a Certified Credit Consultant.