Everyone’s financial situation doesn’t always require credit repair. It is however extremely important to audit your credit reports before applying for credit. When we conduct the credit audit we see the same information your potential creditors will be reviewing and analyze your accounts reporting the same way they would when determining if they will grant you credit. Getting a credit audit will give you a chance to correct any errors or make other moves to possibly improve your credit score before applying.
Next, we analyze all of the accounts reporting on your credit report, to determine which accounts are damaging your credit score the least and the most as well as identify the accounts creditors can or can no longer sue you for based on the laws and statutes.
Once you are enrolled, we conduct an in-depth, line by line Credit Analysis of your 3 bureau credit report, including all accounts, balances, utilization, credit mix, debts, and factors impacting your credit scores. We then develop a fully customized plan based on the credit file that puts you on track to reaching your credit and financial goals. We send you a complete breakdown of the Credit Analysis and Action Plan and discuss this in detail during your New Client Credit Discovery Call.
DELINQUENT ACCOUNTS & CREDIBILITY
Then, we review your credit reports for accounts reporting as past due as well as assess your overall use of available credit and utilization to put you in the best position to get approved.
Finally, we develop a customized plan specific to your credit file on how to apply the information from the audit. The credit audit also comes with a wealth of information and education on how to build or rebuild positive credit, contact information to our premier partners, and the exact tools that we use to increase our client’s scores. This education is designed to help you build a healthy credit file so that you may begin getting the financial respect you deserve.
Draco cannot predict and does not guarantee any specific results, as results differ for each individual. Each individual’s results depend on his or her unique circumstances and numerous other factors. Prior results do not guarantee a similar outcome.
To dispute all items, Draco uses legal strategies through the FCRA and FDCPA. Draco is in compliance with the CROA.
FICO and “The score lenders use” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and other countries.
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