TCR Credit Restoration Inc

TCR Credit Restoration is a professional credit restoration company originated to assist consumers to improve their consumer credit score known as the FICO score. We offer 3 services, which are as follows: Credit Starter which is for consumers that have never established a credit history which is is 35% of the consumer credit score, and what we will do is help our clients apply for a small major credit card that reports to all 3major credit bureaus to establish a credit history. Once the client is approved for a major credit card we will help the client manage the card, we will educate the client as to how much to spend and how much to pay so that they build a favorable credit history and this take 6 months to build a good history, but in 6 months the client will have a credit score of 700 or better with the guidance of our trained staff at TCR Credit Restoration. The second service we offer is called Credit restore, and this is for our clients that have derogatory marks being reported against on their credit report such as Late Payments, Charge off accounts, Collection accounts, Judgements, Tax liens, defaulted students loans, back payments with child support, Identity theft issues, Identity mix ups, this occurs normally between junior and seniors. Foreclosures,Repossessions
Our Process is as follows we first preform a pee-consultation to determine what issues the consumer are dealing with we than we retrieve a consumer credit report in order to perform complete a full preliminary investigation based on what the client stated during the pee-consultation, upon completing the investigation, a member from our trained staff will go over our findings with the client in order to inform them as to what needs to be done in order to improve their consumer credit score (FICO SCORE) At that time we will asked the client if they wish to proceed if so we will send them a service agreement that entails a limited power of attorney which gives up the signed notarized permission to speak to the creditors on their behalf in order to rectify the derogatory information being listed on the credit report. We use federal and state laws in order to have the information either updated or deleted from the credit report in order to increase the consumer credit score, (FICO SCORE) this information is also 35% of the credit score. During the work the client will receive all results delivered to their address and it is up to the client to send the reports back to us so that we can verify any changes that has made to the credit reports. We get all letters directly from the creditors and send them over to the credit bureaus weather a deletion letter for late payments, satisfaction letters to update judgments, and Tax lien release letter to get tax liens updated to show released. and Paid in full letters to update collections accounts to show paid in full. The third service we provide to our clients is called credit enhancer. This service is for our clients that do not have negative information being reported against them on their credit report but, there credit score is not being maximized to it's fullest potential because they are carrying high balances on their revolving lines of credit (Credit Cards) what we will do is retrieve a copy of the consumer credit report and perform a debt analysis to determine the accounts that the client. needs to pay down in order to maximize the client credit score to it's fullest potential. Upon the completion of the debt analysis we will than contact the client an inform that of the finding and inform them of the account that need to be paid down and how much to pay and when the client has made the payment we will contact the creditor in order to retrieve a balance letter to send to the credit bureaus in order to have them to update the new balance on the account. This will cause the credit score to go up to 30% allowing the client to maximize their credit score to it's fullest potential.