Good Credit is a Major Key to a Great Life!
Here at Heavenly Hope Credit Repair, we find those errors, and use the laws, to factually dispute the negative items on your credit report.
Call Today (800) 615-0209
What We Do
WE TAKE AN IN-DEPTH LOOK AT YOUR CREDIT
Are you looking to get an auto loan or to refinance an existing loan? Have you found your dream home but your credit is preventing you from being approved? schedule the consultation today, and let us see how we can help you. Let Heavenly Hope Credit Repair, Inc. Restore hope in your credit.
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What's in a Credit Score?
Your credit score is a number that banks and other financial institutions use to gauge the level of risk they assume if they lend you money. FICO credit scores can range from 300 to 850. The higher the number, the lower the perceived risk.
720-850 EXCELLENT
700-719 VERY GOOD
675-699 GOOD
620-674 AVERAGE
560-619 POOR
500-559 VERY POOR
How we work
We will help you by disputing inaccurate and unverifiable items on your credit reports. Most people are aware of the three credit reporting bureaus, Equifax, Experian and TransUnion. The average difference in scores between the highest and lowest of your credit scores, from the three bureaus, is 60 points.
This is the result of the credit bureaus having different items on their report, which may be correct, incorrect or are not reported in full compliance with credit law. According to a recent study, nearly 80% of all credit reports have serious errors on them and this does not even include the even smaller errors for which we look..
Free Credit Analysis
Credit Repair Pricing
$249.00 Audit Fee
$119.00 Monthly
- Credit Education
- 3 Bureau Audit-Analysis
- 24/7 Client Portal Access
- Unlimited Customer Service Support
- One-on-one Monthly Updates
- Secret Credit Building Tips
- No Contracts
- Money Back Guarantee
Student Loan Services
If student loans are hindering your ability to get ahead in life, don’t stress out. There are many options to help you get a handle on your student loan debt and break free from payments you can’t afford.
Your Education Should Never Own You!
Our Experienced Student Loan Advisors Can Help You...
Everyone has dreams they want to achieve. Our job is to help people find solutions to their student loan debts that improve their financial lives. You have more than one option. Get your plan from a certified student loan counselor now!
We Can Help You Keep Your Hard Earned Money!
Discuss Your Options Today!What We Help You With
LOAN CONSOLIDATION
Consolidate your federal education loans into one easy to manage loan and even lower your payments.
PAYMENT REDUCTION
You may qualify to lower your student loan payment with an income-driven repayment plan.
REHAB DEFAULT LOANS
Do you have student loans in default? We can stop collections, wage garnishments, and tax offsets with our Rehab Program.
LOAN FORGIVENESS
Depending on your occupation and income you may qualify for student loan forgiveness of some or all of your student loans.
We Can Help You Keep Your Hard Earned Money!
Discuss Your Options Today!What Clients are Saying
Frequently Asked Questions
What is your 100% Guarantee?
You are entitled to a 100% refund on all monthly payments if: - We do not remove any negatives worked on.- You have had 90 days from the time you retain our services.- You have not used a credit-consulting agency nor attempted to repair your credit at least 2 years previous to signing up for our services.- You have had no new collections or missed payments during the time frame we are assisting you-You have maintained credit monitoring services at all times during the time frame we are assisting you- You agree & have sent updated reports/responses from the three credit bureaus & creditors to us within 5 days of receipt.You should receive updated credit reports every 30-45 days and make us aware if updated reports have not been received.
Is Credit Repair legal?
Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed.
Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore, most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at.
In addition to starting the credit dispute process with you, what can I do to help raise my credit score?
Pay all of your bills on time, every time. This includes your utility bills, mortgage and auto payments, and all of your revolving lines of credit like credit cards. Check your credit report at least once a year. You can find out how to challenge bad information on your credit report here. • Never charge more than 20% of the available balance on any of your credit cards. Banks like to see a nice record of on-time payments, and several credit cards that are not maxed-out. If you are carrying high balances on your credit cards, then make paying them down below 20% a priority. Do use your credit cards – Many people who make mistakes with their credit believe that the best way to fix things is to never use credit again. If you are afraid that you cannot handle your credit cards correctly then the best policy is probably this one: Run only your utility bills on your credit cards each month, and then pay the balance in full by the due date. This ensures that your utility bills get paid on time automatically, and as long as you keep the habit of paying off your credit card balance each month your score will continue to go up. Leave the credit cards locked in a safe or drawer at home.
How long does the process take?
Credit repair is not an overnight process, but done correctly, it can possibly change your life. There is no specific time frame. Clients have graduated the program in 30 days, others 12 months.
What can be disputed
LATE PAYMENTS,CHARGE OFFS,BANKRUPTCY, MEDICAL BILLS, COLLECTIONS, FORECLOSURES, TAX LIENS, STUDENT LOANS, INQUIRIES, CREDIT ERRORS, AND MORE!
Cancellation Policy:
Services are provided on a month-to- month basis and clients may cancel their service at any time at least (3) three days in advance of any upcoming recurring payment. When cancelled according to these terms, the upcoming recurring payment will constitute the final payment due for services rendered. All services are billed in arrears
If you have any further questions please feel free to contact us by email or phone 9am-5pm Monday-Friday CST |Email: Contact@HeavenlyHopeCreditRepair.com. | Phone: 800-615-0209
Our Terms
Cancellation Policy
Services are provided on a month-to- month basis and clients may cancel their service at any time at least (3) three days in advance of any upcoming recurring payment. When cancelled according to these terms, the upcoming recurring payment will constitute the final payment due for services rendered.
Privacy Policy
Commitment to Your Privacy
This site is owned and operated by Heavenly Hope Credit Repair, Inc. Your privacy on the Internet is of the utmost importance to us. At Heavenly Hope Credit Repair, Inc. we want to make your experience online satisfying and safe. Because we gather certain types of information about our users, we feel you should fully understand our policy and the terms and conditions surrounding the capture and use of that information. This privacy statement discloses what information we gather and how we use it
Sharing of Information
Heavenly Hope Credit Repair, Inc. does not under any circumstances share, sell, rent, or in any other way provide your information to anyone for any use whatsoever.
Security
Heavenly Hope Credit Repair, Inc. operates secure data networks protected by industry standard firewall and encryption protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.
Information Heavenly Hope Credit Repair, Inc. Gathers and Tracks
Heavenly Hope Credit Repair, Inc. gathers two types of information about users:
• Information that users provide manually on our web site. This information is gathered on our Enrollment (Sign Up) Form and includes name, address, email address. This information is not shared or used for any marketing purposes whatsoever.
• Information Heavenly Hope Credit Repair, Inc. gathers through aggregated tracking information derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers’ needs and to help us better understand the demographics of our audience.
Public Safety and Legal Process
We will not share information about individual users with any third party, except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.
Usage Tracking
Heavenly Hope Credit Repair, Inc. tracks user traffic patterns. However, we do not correlate this information with data about individual users. Heavenly Hope Credit Repair, Inc. does break down overall usage statistics according to a user’s domain name, browser type, and MIME type by reading this information from the browser string (information contained in every user’s browser). Heavenly Hope Credit Repair, Inc. sometimes tracks the search terms that users enter in public search engines, which generate a “click through”, but this tracking is never associated with individual users. We use tracking information to determine the effectiveness of individual search terms.
Cookies
We may place a text file called a “cookie” in the browser files of your computer. The cookie itself does not contain Personal Information although it will enable us to relate your use of this site to information that you have specifically and knowingly provided. But the only personal information a cookie can contain is information you supply yourself. A cookie can’t read data off your hard disk or read cookie files created by other sites. Heavenly Hope Credit Repair, Inc. uses cookies to track user traffic patterns (as described above). You can refuse cookies by turning them off in your browser. If you’ve set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You do not need to have cookies turned on to use this site.
Your Consent
By using this site, you consent to the collection and use of this information by Heavenly Hope Credit Repair, Inc.. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it