214.208.2313

brittany@martinconsultants.org

Here at Martin Consultants we give each client the tools to achieve financial freedom and provide all the guidance when it comes to repairing and rebuilding your scores. Our team has an extensive background in credit restoration and the financial field. We educate and walk you through the entire credit restoration and rebuilding process. MC takes pride in all of our hard work and follows all state regulations, being that we're bonded, licensed and insured we also follow all TSR guidelines. Don't let poor credit scores determine your future. We have the skills to help our clients build dreams and secure finances.

Services

What can we challenge for removal on your credit report? Collections, Repossessions, Late Payments, Charge Off's, Judgments, Bankruptcies, Liens. FCRA (Fair Credit Reporting Act) allows consumers like yourself to justify all accounts listed on your credit report. FCRA promotes accuracy and fairness of each individual who applies for credit. If your credit report is reflecting inaccurate information, you have the opportunity to "challenge" the accounts by reaching out to the creditors and credit bureaus to correct or remove all incorrect or inaccurate information being reported.

Why choose us?

Every other credit repair company out there merely disputes inaccurate items at the credit bureaus. The credit bureaus are a third party reporting company. This means if you remove an item at the credit bureau, the debt collector or creditor still has your debt. They will also just re-report the item if you remove it making it a temporary deletion only. We think it’s pointless to get temporary deletions by only disputing. We actually use factual disputing to help remove and keep any inaccurate reporting accounts off your credit file. We strive to remove any inaccurate derogatory collection(s) along with assisting and educating our clients on how to open reoccurring trade lines. Let our team help you reach financial freedom.

What's considered Derogatory?

Charge off

When your account is written off as a loss by your creditor and sold to a collection agency. This typically happens after multiple late payment's are recorded on the account.

Collections

A collection occurs when you fall behind on the account, the creditor may send your account to a collection agency or sell it to a debt collector. This typically occurs a few months after you become delinquent, or the date you begin missing payments or not paying the full minimum payment.

Late Payment

When you miss a payment on any account thats reporting monthly to the bureaus. The late payment will appear on your credit report and continue to worsen the score each month until its resolved.

Bankruptcies

A bankruptcies is typically the most damaging negative items on a credit report. Depending on the type of bankruptcy they can remain on your credit report for up to 7-10 years starting from the dismissal or discharge date. Chapter 7 or 13 bankruptcy is the most common.

Repossessions

The loss of property that usually occurs as a result of nonpayment of the debt. This can occur without any notice and after failed payments on the account.

Judgments

A judgment is a type of public record that comes about as a result of a nonpayment on a particular account. These are not reported on your credit file, but we can still help with the removal.

Meet the Team

Whats our pricing

We at MC strive to make our prices budget friendly and affordable. We are TSR compliant which means we wont charge or ask for any upfront fees. Payments from our clients will not be collected until services have been provided. TSR (Telemarketing Sales Rule) requires all CRO (Credit Repair Organizations) to follow a few steps before assisting clients with the help of their credit.

A Credit Analyst will answer any questions you may have about our credit process or general credit questions. Simply just e-mail us or find us on social media.