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A. Sean Hinely ABR/CSP/CSS/FIS
Phone
(614) 419-1974
Fax
(614) 474-8200
E-Mail Us
Columbus Real Estate Pros
2500 w. Dublin Granville Road
Columbus, OH 43235


 
 

Attorney Assisted Credit Restoration

 

Attorney Assisted Credit Restoration

You CAN improve your credit drastically. Right NOW. Our Members see an average of 127 Point increase within six months starting our program!

 The National Foundation For Credit Excellence, commonly referred as NFCE, is a national membership based organization. We were founded in 1990 and have thousands of satisfied members in 49 states.

WHY we are Different from ALL of the other credit repair companies?

  • NFCE retains attorneys highly experienced in credit law
  • NFCE attorneys are experts at challenging the credit bureaus (other credit repair companies will challenge each credit repository one at a time. We simultaneously, & Aggresively attack them ALL at the same time!)
  • Exercising your consumer rights
  • Backing the credit bureaus into a legal corner
  • Forcing permanent removal of negative items

 NO Other Credit Repair Company you see on the net, or anywhere else, can do what we do. Even the ones with "Law" in their names!

COMPLETE CONFIDENCE

Attorneys enforce your rights under the various federal laws. Attorneys can do everything a credit repair organization can do and more; even file a lawsuit if necessary.
  • In a democracy, everyone is entitled to a defense.
  • Consumers have the right to obtain representation and face their accusers armed with their legal rights.
  • The credit bureaus should have to back up the information that they sell about you. Congress and the law agree. If your defense is presented properly, whether your credit report is accurate or not, it is usually more difficult and costly to prove the information is correct than to simply remove it.
  • It should require more than just a form letter to validate your credit. It does. If the bureaus state the information was only verified, our attorneys will increase the intensity of the challenge and request validation until it is permanently removed.

 TRIPLE RESULTS WARRANTY

We Believe You Should Not Have To Pay For Ineffective Service

 

WARRANTY 1

As long as you do your part, if no derogatory item is removed from your credit reports within the first 3 months, at your request we will cancel your membership and refund all monies paid. Quite simply this never happens!

WARRANTY 2

At the conclusion of your membership, if you have any derogatory item left on your report, an evaluation of your result will be performed. A value of $75.00 will be placed on each deleted or improved item and deducted from your total amount paid. We will refund to you any difference. This is offered to help you feel comfortable with the result that you can anticipate. Our attorneys typically deliver results that far and away exceed the warranty value.

WARRANTY 3

If for almost any reason you are not satisfied with your result; our attorneys will extend your case and continue to work on your behalf until you are completely 100% satisfied with your result.

 It is important to understand that there can be no absolute guarantees involved in any legal matter. As in a court of law, an attorney could never guarantee that a judge would rule in their favor. However, based on extremely positive past experiences, we offer our members the industries only "MONEY BACK Triple Results Warranty" to protect their membership investment.

 

As a Member You Get All of These Benefits and Advantages!

Credit Audit Verification and Restoration

Included in your membership is representation by an affiliated attorney to challenge the 3 major national credit bureaus and force the removal of derogatory information from your credit report.

As a special member benefit, only extended to NFCE Members in good standing, our affiliated attorneys will aggressively represent you with NO up front fees nor ongoing monthly fees. Your total legal fees are only $5 per deleted or corrected item per credit report; billed and paid directly to your attorney as a "correction fee"- payable ONLY AFTER YOU ARE NOTIFIED BY THE CREDIT BUREAUS OF YOUR RESULTS.

Free Legal Advice

Membership includes a membership into our National Law Club, a national network of over 20,000 attorneys in all 50 states. Most legal problems can be settled with nothing more than a phone call or letter written on your behalf by one of our plan member attorneys.

Members are encouraged to embrace the legal system and to make consistent use of our highly qualified attorneys who will help them navigate through life's unexpected legal matters. Services included at NO CHARGE are unlimited phone consultation, attorney review of legal documents, necessary calls and letters by your attorney, simple wills for you and your family, advice on representing yourself in small claims court and help with government programs; plus discounted fee schedule, contingency fees, and hourly rates.

Free Tax Advice

Members can get all of the answers to their most pressing tax questions at no charge. The MY TAX MAN SERVICE offers advice by real tax experts. It gives you the opportunity to make unlimited phone calls and get prompt accurate answers about all your tax concerns... new tax laws, deductions, forms, dependants, capital gains taxes, etc. Did you miss refund opportunities? HAVE YOUR LAST TWO YEARS TAXES REVIEWED to get a free professional opinion. Guaranteed confidentiality.

$7,500.00 secured Credit Card

As a Member you are automatically approved for a secured credit card to purchase computers and consumer electronics. Of course your positive payment history will be reported monthly to the national credit bureaus further helping you re-establish your credit.

Second Chance Checking Account

If you are unable to open a checking account due to poor credit or a derogatory listing in ChexSystems we can help. Your assigned attorney will represent you against ChexSystems and force the removal of your name from their list. We also can direct you to a bank or credit union in your area that does not use ChexSystems verification. Additionally, Members have access to an Internet bank that will open a checking account for our members. Funds are FDIC insured up to $100,000. (Debit card is included with the account.)

Currency Connection Card with Overdraft Protection

The Currency Cash Card is an ATM/debt card giving you access to your own personal bank account. Funds are maintained at an FDIC insured account at Republic Bank & Trust Company. It's better that a traditional bank account as there is NO CREDIT VERIFICATION - NO CHECKS TO BOUNCE with up to a $400 OVERDRAFT PRIVILEGE. Use your Currency Cash Card to accept deposits, make withdrawals or make purchases. Members will receive a monthly bank statement to verify account activity.

FREE Credit Card Search Service

Conduct an online data base search of all of the banks in the US that offer sub-prime secured, unsecured and partially secured credit cards. We guarantee to have you approved for a minimum of two new credit lines.

Personal Finance Coach

Members are extended unlimited use of a LIFELINES Personal Finance Coach. In addition to helping with your family budget or Big Picture financial planning your Personal Coach will discuss a variety of topics like...

Do I buy or lease a car? Which card should I pay off first? What will I need to (1) retire or (2) send my kid to college? Is term, universal or whole life best for me? Your Personal Coach is highly qualified to help you focus on your issue and/or identify helpful resources. Your coach WILL NOT sell you financial products or services. Coaches provide undivided attention, objective information and guidance.

IRS Defense

We have entered into an alliance with an organization whose principle has 10 years experience as an IRS agent and is now a consumer advocate that is certified to represent consumers against the IRS. Members receive one free hour of telephone consultation. If additional assistance is required members receive discounts.

Discounted Health Benefits Program

Until now 80% of our Members did not have a discount plan to cover their family for: Dental and Chiropractic care, Prescription drugs, Eye care (Glasses or Contacts), Laser Vision Correction, Durable Medical Equipment, and discounted access to Hospitals, Physicians, Surgeons, Radiology, Clinical, Laboratory, and Specialists. Members receive this coverage for their entire household and may save more on healthcare than the entire cost of their membership.

Credit Reference Service

We provide a written credit reference at anytime for current valid members.

Guaranteed a Computer

Members are pre-approved for financing of a computer

Mortgage Reduction

Members save thousands of dollars and cut years off their mortgage by employing the strategies of the endorsed mortgage reduction plan.

Information and Education

NFCE offers its members a number of free and reduced cost materials covering a variety of subjects. Including 2 online personal finance courses and a 306 page, formatted for three ring binders, 26 chapter college level course on personal finance for non business majors.

NFCE has negotiated an exceptional program on behalf of its members that is not available anywhere else. Token fees may apply to cover costs (or) comply with State and Federal Laws.

What does it cost?

Keeping BAD CREDIT costs more than fixing BAD CREDIT

Have you ever stopped to think what having BAD CREDIT is costing you? How much have you paid in additional fees due to your poor credit rating? One estimate is that a poor credit rating costs the average consumer $3000 per year or $50,000 in a lifetime due to extra charges that are assessed simply because of a low credit score. Unnecessary deposits, excessive interest, higher insurance rates, lower paying jobs are just a few of the financial hardships faced by those with problematic credit. This dollar figure does not include the extreme inconvenience, additional stress, low self-esteem, and loss of dignity associated with being considered a second-class citizen in a society that is based on credit worthiness. Put an end to your credit problems…if it costs MORE TO KEEP BAD CREDIT THAN TO RESTORE YOUR CREDIT STANDING. Why would you want to pay MORE to have so much LESS???

Cost of Bad Credit

Automobile Financing: : If you are financing a car and have bad credit, you are probably paying thousands of dollars more than you would pay once you had restored your credit. This extra interest shows up every month in a dramatically higher payment. One of the first things that our members often do once they have restored their credit is to refinance their automobile for a fraction of their current payment or buy twice the car at nearly the same payment. Take a look!

$20,000.00 car paid over 5 years:
Credit StatusRatePaymentCost of bad credit
Perfect7%$396.02$0.00
Mildly Damaged10%$424.94$1,735.25
Damaged20%$529.88$8.031.60
Severely Damaged*25%$587.03$12,460.39

*Oftentimes relegated to a "buy here/pay here" car lot

Home Mortgage: The "American Dream" of owning your own home is out of reach for most people with credit problems. As you see below, even mildly damaged credit will cost a small fortune in additional interest. This forces credit challenged consumers to raise families in less desirable neighborhoods and to pay off someone else's mortgage for them leaving the credit challenged with only several years worth of rental receipts.

$100,000.00 home paid over 30 years:
Credit StatusRatePaymentCost of bad credit
Perfect7%$655.30$0.00
Mildly Damaged9%$804.62$50,155.24
Damaged12%$1,028.61$130,791.63
Severely DamagedMortgage generally not available at any price

Why would you pay more to have less?

Our membership fees

 

Contact us now for a FREE, Confidential consultation to see how we can help you and your family!

Call 614-419-1974 or email us here

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