Welcome to Credit Coach. Helping clients reach their credit score goals often requires more than just disputing their questionable listings in their credit reports. To assist in that effort, our most comprehensive level of service, Concord Premier affords additional benefits specifically designed to improve, monitor, and protect their credit scores.
Giving clients more tools to take on and improve their credit situation. As you know, each service level benefits focus upon a particular portion of the conversation that constantly takes place between the creditors, credit bureaus, and our clients. The first service level, Lexington Regular focuses upon the credit bureaus. The second level, the Concord Standard upgrade adds tactical methods that focus upon the creditors. Finally, Concord Premier, Lexington’s top level of service, focuses upon on how clients can directly and powerfully affect their credit scores.
Concord Premier contains the following elements:
1 – A Monthly Credit Score Improvement Analysis. Each month we evaluate our clients credits reports in accordance with the 5 main factors known to significantly impact credit scoring.
2. ReportWatch: Whenever we detect changes within a client’s credit reports, which may positively or negatively impact their credit scores, a ReportWatch alert is sent.
3. InquiryAssist: A tool to address problematic credit report inquiries. And finally,
4. Identity Theft Insurance: To help protect the credit our client’s are investing in, a $25,000 identity theft insurance policy is provided at no additional cost.
The CREDIT SCORE IMPROVEMENT ANALYSIS is a highly customized , multi-page analysis which is provided to help consumers increase their scores. These Credit Score Improvement Analyses focus upon clients’ borrowing and repayment patterns and provide clients with targeted counsel which is intended to positively impact their credit scores.
A strong emphasis is placed on clients’ utilization ratios: that is the amount a client owes on a revolving credit account compared to the account’s credit limit. For example: If a client owes $1,000 on a card which boasts a $2,000 credit limit, the debt-to-credit-limit ratio (utilization ratio) is 50%. Our analysis provides strategies on how to lower utilization ratios and better the score.
The CREDIT SCORE IMPROVEMENT ANALYSIS is delivered via the client site, email and via telephone. Lexington paralegals routinely contact Concord Premier clients to discuss their credit score game plan in depth. During these calls, Lexington attorneys and paralegals utilize proprietary “Premier View” software which allows them to easily review a credit report and provide targeted counsel for clients.
With REPORT WATCH, whenever we detect changes within their credit reports which may positively or negatively impact their credit scores, these customized alerts are quickly dispatched via email.
In these emails, the law firm provides tips on how to make the best use of the crucial changes inside a client’s credit report. There are currently 19 customized alerts that a client may receive outlining how their credit scores may have been impacted.
The Alerts provide additional ideas on how to build positive credit, deal with stubborn negative listings, lower utilization ratios and handle specific credit report tradelines which may be the most damaging.
We often hear “Do ReportWatch alerts notify you in real-time to credit report changes?” The answer is no. Our Report Watch service provides something more in-depth than basic credit monitoring: We provide a comparative analysis between various reports from each of the three bureaus as we receive them.
As you know, credit report inquiries can wreak havoc on a credit report and INQUIRYASSIST was created for that very reason. InquiryAssist provides firm-prepared letters, customized for each questionable inquiry that a client designates. These letters can then be easily printed and mailed at their discretion.
The Fair Credit Reporting Act regulates who has permissible purpose to acquire consumers’ credit reports. This Act provides you consumers with certain rights about who can place inquiries on their credit reports. If clients ascertain that one or more of their inquiries are questionable, and do not belong on their credit report, they have the right to investigate the inquiries with their creditors and the credit bureaus.
InquiryAssist also provides coaching on how to contact the credit bureaus and discuss damaging inquiries via telephone. This two-step method is often helpful in removing nagging credit report inquiries.
As you can see, our Concord Premier level of service is extremely powerful in confronting all aspects of a consumer’s credit score. Premier contains all of the credit repair tactics included in each service level and directs specific techniques to credit bureaus, to creditors, and to the clients themselves for enduring credit score improvement.
Congratulations on joining the credit conversation on behalf of your clients and being a powerful part of changing Americans’ creditworthiness. I’m Gavin, the Credit Coach.
Visit Lexington Law.com and see how they can help you.
Tags: concord, concord premier, credit repair service, id theft protection, lexington law, repotwatch