CREDITedit, LLC

Good Credit for a Change
PLEASE SCROLL DOWN OR CLICK HERE TO ACKNOWLEDGE IMPORTANT CONSUMER DISCLOSURES AND CREDITedit's "NO GUARANTEE" WHICH ARE ALSO FOUND AT THE BOTTOM OF EVERY WEB PAGE.
Home      Difference between GOLDplan & PLATINUMplan

TrueCredit.com 3-Bureau Monitoring

 
A:  The main differences between the two options are that with the GOLDplan YOU do all the work at your own pace -- the way the Federal Trade Commission, TransUnion, Experian, Equifax & the media say you should handle YOUR personal & financial information.  The PLATINUMplan is PROFESSIONAL SERVICE handled by an EXPERIENCED credit repair specialist.  It uses more advanced, guerrilla-credit repair tactics which challenge/dispute with the credit bureaus, creditors, debt collectors, court houses, etc. for quicker, more efficient results.
 
If you are not in an emergency situation, have minor credit report issues or are a do-it-yourselfer, the GOLDplan should be fine.  However, if you have major problems on your credit report, or preparing for a loan application, like a mortgage, or want FASTER RESULTS the PLATINUMplan is wise & recommended.
 
Another very important difference with the PLATINUMplan is, not only can we prepare credit bureau disputes/challenges, but ALSO CREDITOR/COLLECTION AGENCY VALIDATION letters.  This is sort of like burning the candle at both ends... or double-teaming... that may achieve faster results.  We look at it as a back-up plan in case one of the other parties fail to abide by law.  This incredible plan can use fax, email and/or UPS/certified USPS mail for greater efficiency!
 
The reason the Fair Credit Reporting Act was enacted was because the credit bureaus didn't, and most times don't, do their job of ensuring FAIR, ACCURATE & CURRENT credit reporting.  Because they STILL don't always follow procedures, it is sometimes a smart alternative to also use the Fair and Accurate Credit Transactions Act, Fair Credit Billing Act or Fair Debt Collection Practices Act to modify, delete or update certain credit report information by DISPUTING/CHALLENGING THE CREDITORS/COLLECTION AGENCIES DIRECTLY.  One way credit reports may be modified is when they fail to LEGALLY respond to dispute/challenge letters.
 
Another angle we approach with the PLATINUMplan is that we accelerate the items disputed/challenged.  If you have multiple, valid disputes, almost all other credit repair companies or so-called "law firms" ONLY challenge one or two items per month or every other month.  This takes way too long to get results you need.  The reason why they do monthly disputes is to charge you monthly also.  The longer you are on their MONTHLY pay plan, the more money they take from you.  This may be an illegal practice. 
 
Some of our business comes from mortgage/real estate broker referrals; and those brokers needed to develop a more efficient repair plan to attain faster results, and because no one wanted to wait months or years for results, i.e, the PLATINUMplan.  The PLATINUMplan is revolutionizing the way credit restoration should be conducted.  Gone are the days of waiting months or years to see real results! 
 
The PLATINUMplan may be the credit bureaus worst nightmare
 
The consumer reporting agencies have begun OUTSOURCING THE AMERICAN CONSUMERS' DISPUTES to foreign lands (like Costa Rica or the Philippines) because they have become flooded with so many disputes/challenge letters [as long as those letters are not deemed "frivolous or irrelevant", FCRA, 611(3)(A)].  Evidentally, most of the time, those credit reporting organizations are unable to abide by the 30-day response rule mandated by law.  NOTE:  the three bureaus EACH receive about 17,000 - 20,000 dispute letters PER DAY!  What does this say about credit reporting schemes?
 
HERE'S A KEY THING TO REMEMBER:  IF you don't do something about your credit, odds are, it will remain the same or grow worse.  If you want to see updates or modifications on your reports, THE ONLY TRUE WAY is to follow procedures outlined in the aforementioned consumer protection laws.
 
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CREDITedit LLC, 1712 E. MAIN STREET, #428, MILLVILLE, NJ 08332
Privacy/Disclaimer:  CREDITedit, LLC does not claim to "clean" or "improve" your credit report, credit record, credit history, credit rating and/or credit score.  Our service is for the express purpose of helping you automate the time-comsuming process of obtaining your credit reports, discuss your credit profile, disputing, validating or verifying items on your credit reports, prepare sample documents in order for you to communicate with consumer reporting agencies, creditors, debt collection agencies, contesting items within your credit reports and/or how to re-establish credit.  There is no secret to fixing, repairing and/or restoring bad credit.  Abiding by law, CREDITedit, LLC does not offer, nor guarantee, to improve or modify the credit standing of any consumer. Credit report information that is accurate and not obsolete may not be removed or deleted.
Important: The articles, illustrations, testimonials, and/or examples given in this website are in no way indicative of the actual changes you may experience by using CREDITedit, LLC.  In keeping with the Fair Credit Reporting Act, CREDITedit will only prepare the dispute/challenge letters to contest certain incomplete, inaccurate, unverifiable, outdated, and/or erroneous items in your credit profile. No specific outcome is expressed, implied or promised, and your actual results may vary. Factors contributing to these variations can include new inquiries, opening new tradelines, the addition of new derogatory accounts, and fluctuating balances on existing revolving accounts.  CREDITedit, LLC, as an affiliate, may receive a small commission on products/services it markets, and makes no guarantees/warranties regarding those products/services.
We take your privacy seriously. We do not spam nor will we sell, rent, or distribute your information to any third party unless you explicitly request us to do so. We do not encourage you to dispute known accurate credit items or engage in unethical behavior. The client experiences and information that may appear on this website are not intended to be legal advice; and past performance does not guarantee future results. Every person's case is unique, and individual results will vary; and CREDITedit, LLC does not guarantee any particular results within any given period of time.  The services of CREDITedit, LLC and/or its affiliates may not be available in all states.  CREDITedit, LLC is not a "debt adjuster", "debt consolidation service" and not a "non-profit consumer credit counseling agency".

CREDITedit, LLC VOLUNTARILY PROVIDES YOU WITH THIS DISCLOSURE

IT IS OUR INTENT TO PROVIDE CONSUMERS WITH THE RESOURCES IN ORDER TO HAVE THE CONSUMER REPORTING AGENCIES REPORT THE MOST FAIR, COMPLETE, ACCURATE AND VERIFIABLE CREDIT PROFILE OF A CONSUMER; THEREFORE, CREDITedit, LLC DOES NOT, NOR SHOULD ANYONE, CLAIM OR GUARANTEE TO IMPROVE ANY CREDIT REPORT BY PERMANENTLY REMOVING NEGATIVE INFORMATION, EVEN WHEN IT'S ACCURATE, CURRENT AND VERIFIABLE; CREDITedit, LLC DOES NOT, NOR SHOULD ANYONE, SUGGEST THAT YOU APPLY FOR AN EMPLOYER IDENTIFICATION NUMBER TO USE INSTEAD OF YOUR SOCIAL SECURITY NUMBER SO YOU CAN INVENT A "NEW" CREDIT IDENTITY -- AND THEN, A NEW CREDIT REPORT; THE BENEFITS OF USING CREDITedit, LLC SERVICES ARE AS FOLLOWS: DISCUSS HOW TO UTILIZE CERTAIN CONSUMER PROTECTION LAWS REGARDING YOUR CREDIT PROFILE, REDUCE JUNK MAIL VIA "OPT-OUT", "DO NOT CALL" REGISTRY, DOCUMENT PREPARATION IN ORDER TO DISPUTE/CHALLENGE CERTAIN CREDIT REPORT INFORMATION, AND/OR TO VERIFY OR VALIDATE ACCOUNTS WITH CREDITORS OR COLLECTION AGENCIES; CREDITedit, LLC DOES NOT, NOR SHOULD ANYONE, CLAIM OR GUARANTEE TO IMPROVE ANY CREDIT REPORT OR CREDIT SCORE, OR ANY ABILITY TO OBTAIN CREDIT; THE TOTAL COST OF CREDITedit, LLC SERVICES WILL BE $199 FOR AN INDIVIDUAL OR $299 FOR INDIVIDUAL WITH SPOUSE; YOU, THE CONSUMER, MAY CANCEL ANY AGREEMENT WITH CREDITedit, LLC AT ANY TIME PRIOR TO TWELVE (12) MIDNIGHT ON THE THIRD (3RD) DAY AFTER THE DATE OF THE TRANSACTION. DURING THIS 3-DAY "COOLING OFF" PERIOD, ANY MONEY YOU MAY HAVE PAID CREDITedit, LLC WILL BE RETURNED TO YOU. AFTER THIS NOTICE OF CANCELLATION PERIOD HAS LAPSED, ALL SALES ARE FINAL AND CREDITedit, LLC OFFERS NO REFUNDS. 

THIS NOTICE IS REQUIRED BY LAW.   Read more at FTC.GOV.
You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law.
 
 
CREDITedit, LLC is a rapid credit bureau report dispute letter preparation and consulting company for faster, immediate, emergency credit score repair service that may help to fix, repair, restore, delete or remove bad, negative, poor credit.  With a good, higher, boosted or  increased FICO credit score rating, you may qualify to buy a house, car or get a job.