Initial Audit Fee – $199 Per Person

You can sign up for our credit repair program with zero upfront fees. You can feel comfortable knowing that we will not charge you for the Initial Audit Fee until completed & 5 days after you enroll.

Below are the services included in our Initial Audit

  • Provided with 24/7 Online Account Access
  • Negative Items Added to Database for Disputing
  • Provided with 15+ Page Initial Audit Report
  • 1st Round of Dispute Letters Created
  • Welcome Call Scheduled
  • Details of Consumer Rights

If we are unable to delete any negative items from your credit report in 180 days, we will refund your Initial Audit Fee in full.
A deletion fee is invoiced for the complete deletion of an item. The deletion fees below are per item and per bureau. The deletion of ANY item from ANY bureau counts as ONE (1) deletion. The deletion of any account or public record from all three credit bureaus counts as THREE (3) deletions

Once you have a balance with us for the items that were deleted, you will be billed the total balance every month. Example, if there are 6 collections deleted, we will send you an invoice of $300, in which you will be required to pay.

Our clients must also maintain an active credit monitoring service from all three credit bureaus. If the client doesn’t already have one, we will have them sign up for our preferred credit monitoring site which is $1 for the first 7 days and then $21.99 a month. More information can be found at www.toptierfinancialsolutions.com/idiq.

$10 per Inaccurate
Personal Information

We want to make sure that the credit bureaus are reporting 100% accurate information. You don’t have to have someone else’s name or address on your credit report. This can cause a credit merge and a possibility of their items jumping onto your credit report.

We work to remove the following:

  • Inaccurate or Misspelled Names
  • Incorrect Date of Birth
  • Incorrect Social Security Number
  • Outdated Telephone Numbers
  • Previous Employment Records
  • Previous Employment RecordsRemoval of ex-Spouse

$10 per late payment after removed.
Late Payments

We realize that you might have late payments on your credit report. We contact the credit bureaus and creditors to demand they are reporting 100% accurate information pursuant to the Fair Credit Reporting Act (FCRA) and the Fair Credit Billing Act (FCBA).

Late payments appear due to:

  • Job Loss
  • Hospitalization
  • Deployment
  • Financial Hardship
  • Computer Error
  • Inaccurate Reporting

Erroneous
Student Loan Consolidation

We feel that if you are in need of consolidating your student loans, you shouldn’t have to pay thousands of dollars to do so.

Our company will assist in connecting you with our partners to consolidate your federal student loans at no additional cost to help you with one of the following:

 

  • Lower Interest Rates
  • Lower Your Monthly Payment
  • Income-Driven Repayment Plan
  •  Consolidate Into One Student Loan
  • Avoid Tax Offset
  • Possible Loan Forgiveness

$50 Per Item – Per Bureau
Collections

Collection accounts can seem to be very burdensome and you may not know exactly what rights you have. We will never suggest for you to not pay a collection agency, but before you do, ensure that they provide proper validation and are able to prove the account is yours. There are times where collection agencies report inaccurate information on your credit report so it is their responsibility to provide verification that the accounts are reporting accurate.

They must do the following:

  • Report 100% Accurate
  • Provide Account Validation When Disputed
  • Aren’t In Violation of the FDCPA or FCRA
  • Ensure Balance is Listed Correctly
  • Mark Account as “In Dispute” When Disputed
  • Delete The Account If There Is No Proof

$75 Per Item – Per Bureau
Repossessions

No one likes it when their car is repossessed. By we don’t want you to feel that you are never able to recover. Creditors and credit bureaus must report accurate information on your credit report. As well as provide documentation that supports any information reported.

Lenders must do the following:

  • Report 100% Accurate
  • Provide Account Validation When Disputed
  • Aren’t In Violation of the FDCPA or FCRA
  • Ensure Balance is Listed Correctly
  • Mark Account as “In Dispute” When Disputed
  • Delete The Account If There Is No Proof

$100 Per Item – Per Bureau
Foreclosures & Short Sales

A foreclosure can prevent you from being approved for credit again. But knowing how to request validation or verification can be the key to proper removal.

Lenders must do the following:

  • Report 100% Accurate
  • Provide Account Validation When Disputed
  • Aren’t In Violation of the FDCPA or FCRA
  • Ensure Balance is Listed Correctly
  • Mark Account as “In Dispute” When Disputed
  • Delete The Account If There Is No Proof

$100 Per Item – Per Bureau
Public Records (Bankruptcy, Child Support, ect.)

Public records can cause your credit score to drop significantly. Courthouses do not report to the credit bureaus either so ensuring that you get the proper documentation to remove these accounts are important.

We can dispute the following inaccurate public records:

  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Federal Tax Lien
  • State Tax Lien
  • Judgments
  • Child Support