RMCN is a premier credit repair company with credit restoration and education at its core. In late 1997, the founder and CEO, Doug Parker was facing some credit related problems that eventually made him develop an effective credit restoration process.

Doug, upon scanning his credit reports, discovered that even though he had settled all of his bad debts, they were still reflecting in his report, and hampering his score. After a deeper study, considering the Federal and State Laws, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act, he realized that many of the accounts on his credit report contained inaccuracies.

What followed was a string of investigations with creditors and credit reporting agencies that had reported the objectionable items. Doug demanded that the bodies either validate all of his account information with documented verification or delete all misreported items. Over the next few months, all inaccuracies were deleted.

This little success motivated Doug to help his family, friends and colleagues deal with their credit issues effectively over the following years. Rest, as they say, is history being made

The credit score, also known as “FICO Score” is provided by Fair Isaac Corporation. These scores are an indicator to future risk based solely on consumers’ credit history. The higher the score, the lower the risk. Lenders usually consider borrowers’ credit scores to make lending decisions, including the level of risk it finds acceptable for a given financial product. There is no single “cutoff score” used by all lenders, and there are several other factors that lenders consider to determine your actual interest rates. However, you can now see what interest rates lenders typically offer consumers based on score ranges.

Lenders follow these credit score guidelines for their lending decisions:

• Consumers with the required or higher credit score are eligible to get better interest rates
• Borrowers with lower credit scores are not subject to automatic rejection
• When credit history changes for better, the credit score improves. It makes consumers more creditworthy.

You can improve your credit score in various ways. One of the most effective methods among them is removing inaccurate items from your credit report, and that’s what we do effectively. We provide credit counseling by following a structured process and help restore your credit score.

RMCN, a trusted credit repair company with proven competence in the domain, leverages a unique “V” Phase Process® to help you resolve all types of credit-related issues. Our strategic approach enables us to get all inaccurate items removed from your credit report, while maintaining complete compliance with Federal and State laws.

The steps of “V” Phase Process® are below:

• Auditing all the three credit bureaus and keeping you updated about the process.

• Doing individual repository based audits and raising disputes with creditors.

• Adjusting disputes based on the responses received from credit bureaus and creditors.

• Re-establishing credit with installments and revolving credit (if required).

• Reviewing file and offering consultation.

 

This structured credit repair process can improve your credit rating, and make you eligible for various credits. In this way, you can clean up your credit history, and put your finance back on track.

Experience + Expertise = Customer Satisfaction

The transition from bad to good credit involves several steps and you can rely on us for taking each of them with precision. In addition, we will also assist you in your endeavor to credit repair and restoration.

In addition to a comprehensive range of credit repair services, there are various elements that set us apart from others. The list includes:

• In-depth Knowledge & Expertise: Our driven team of experts has in-depth knowledge of state and federal laws, essential at every step of the credit repair process.
• Eye for Detail: Our credit specialists closely examine every detail of your credit report, find inconsistencies and errors, and take corrective action to redress the issues.
• Holistic Approach: We follow a multi-layered credit restoration process, starting from obtaining your credit reports to filing dispute letters and audits to lenders and credit bureaus.
• Third-party Research: Our investigation includes a thorough research through credit and collection agencies, public records, inquiries and more.
• Debt Validation: Last, but not the least, our credit repair specialists request validation of debt, and demand lenders to produce documentation.