Highest Probability of Denials Highest Interest Rates
Highest Probability of Denials Highest Interest Rates
High Probability of Approvals Better Interest Rates
We don’t keep you in the credit repair program for month and months. We work aggressively on correcting your credit issues.
Absolutely! The Credit Repair Organizations Act allows credit repair companies to assist clients in removing inaccurate, outdated and unverifiable items on their credit reports. The Fair Credit Reporting Act gives you the right to challenge those derogatory items that lower your credit scores. This is where we come in. The experts at Budget Credit 360 know all about the credit system and will ensure everything is being reported correctly and removed timely.
Once the three credit bureaus (Equifax, Experian and Transunion) receive your dispute letters, they have 30 days to respond. You will see results between 35-40 days.
Of course not. With our Pay for Delete pricing model, after you pay the initial audit fee due at signup, you don’t pay another dime unless we are successful at deleting items from your credit file. Your deletion fees are due 40 days after you sign up. Don’t worry, we will send you a reminder email on day 39 to let you know we will be calling the next day and discussing your round results. If we do not delete items, you do not pay. Simple! The only other fees that you will incur during your time with us is $24.99 per month for credit monitoring. Credit monitoring allows us to see what is happening on your file and gives a monthly updated credit report.
Honestly it all depends. This is why we offer a FREE consultation: to develop a game plan based on your personal situation. Clients typically stay in our program 3-6 months. We will repair your credit as quickly as the law allows so that you can meet your goals. This is not to say that all derogatory items will be deleted in 3-6 months. Due to CROA, we cannot guarantee deletions or score increases. This is just the time frame clients typically stay in our program. We will use every aggressive dispute tactic at our disposal to make sure you receive the best results.
The honest answer: we don’t know. Credit scores are based on 5 factors including payment history, amounts owed, length of credit, new credit and types of credit. Most importantly, YOU play a huge role in your success during the program. For example, if you get a new late payment, max out your credit cards, get a new collection, and/or do not obtain a credit card per our recommendations, your scores can drop. Keep in mind, you are hiring Budget Credit 360 to remove inaccurate, outdated and unverifiable items on your credit reports…the credit score change is the byproduct.
A common misconception is once a negative item is on your report, it will remain for 7 years. What this means is for 7 years, your credit scores will suffer and you will be required to pay thousands more in interest than someone with good credit. Let Budget Credit 360 expertise in credit laws work for you! The FCRA requires all accounts on your credit file to be accurate, dated and verifiable. If these requirements are not met, the creditor must delete the account. If the account does meet their requirements, the following time frames apply:
7 Years-Collections/Tax Liens/Closed Accounts/Foreclosures/Child Support/Civil Suits/Civil Judgments/Late Pays/Student Loans
10 Years-Bankruptcy (Chapter 7, 11, 12 & 13)
Forever-Unpaid tax liens/Unpaid federal student loans
We'll give you a free consultation and credit analysis.
In this free 15 minute phone consultation with one of our Board Certified Credit Consultants, we will discuss your credit goals and how we can help. There is no obligation to sign up.
While we use the law to challenge negative items on your report
Just like a dentist needs an XRAY, we need to see your credit reports to help improve it. Monitoring site MUST be obtained prior to your consultation. Make note of your user name and password.
Log in to see real time progress every step of the way
We will use our AGGRESSIVE credit repair tactics to remove negative items from your credit reports and maximize your scores so you can live the life that you deserve.
Rose Allure is our gal! Professional throughout the entire experience! I recommend her to all my friends!
This company is the real deal. If you hire them to fix your credit, you are in good hands!! Keep up the great work.
Budget Credit is the place to go for your credit restoration needs. Very knowledgeable and a team of great ppl to work with!
Nosha Freely Spoken
Where do I start? This company has to definitely be one of the most trustworthy I have ever seen. With all of the scams, illegal CPNs, and other things going on, it is a breath of fresh air to find a company that has morals and will give their all to help. I want to thank them for that.
Derrick A Harper Sr.
Very knowledgeable, passionate and trust worthy company! I would highly suggest using their service:)
Within three months of working with Rose, I opened a secured credit card, consolidated my student loans, and followed her advice to improve my credit score by 100 points! Not only is Rose knowledgable and professional, she is passionate, patient, and willing to go the extra mile. I would never hesitate to refer anyone who needs help with their credit to her, if I could give her 10 stars I would!
She is very easy to work with & knowledgeable in credit. I've followed her steps into getting my credit in order and in less than a month I've seen results. She gives comprehensive tips on obtaining and maintaining credit.
Eriq Stephen Smith
My husband and I have just started with Rose and she is very knowledgeable about credit and financesRose is very optimistic about everything which makes me feel better about my situation. Thanks for everything Rose
Hours of Operation
Monday – Friday 10AM-6PM | Saturday & Sunday – Closed