Credit Education & Restoration Program

This program is directed towards people who desire to improve their credit standing to the acceptable standards set forth by the Federal National Mortgage Association (FNMA or Fannie Mae).

ESA agrees to provide all services, educational training and one-on-one counseling in the field of credit enhancement to strengthen your credit score. ESA's services include, but are not limited to, the following:

1. Provide one-on-one counseling and education

1. Credit and how itworks
2. Identify your credit problems on the “Big Three” reporting agencies (Equifax, Experian and TransUnion)
3. Remove inaccurate, erroneous and obsolete items from your credit report
4. Bolster credit - adding positive accounts not added
5. Understanding the 47 major reasons that make up a credit score
6. Strategies to manage and improve your credit score
7. Strategies for getting out of Debt
8. Credit card offers, games, balance transfers and debt
9. Verification and validation of debts
10. How to avoid bankruptcy
11. Personal financial budgeting
12. Understanding your financial situation
13. Value of good credit
14. Monthly credit analysis counseling on:

1)      Payment history

2)      Credit accounts

3)      Credit usage

4)      Potential score improvement recommendations

5)      Sophisticated credit management.

2.   Prepare letter of explanation to credit bureaus concerning negative remarks

3.   Negotiate settlement agreements with creditors and/or collection agencies

4.   Prepare settlement agreements for payments and/or cash discounts

5.  Assist client in satisfying all credit obligations

6.  Prepare all letters and documents to accomplish all the above items

For more details call (800) 985-7474 or send us an e-mail by clicking here!

We welcome all of your comments and suggestions. The contact information below will be sent via e-mail to us. The information is only utilized to contact you to answer your concerns.