At CRC, we are direct and honest. We realize that for many consumers paying for Credit Improvement may be difficult to justify, so we like to address this issue right up front. It is important to us that we make sure our clients are content and comfortable with our fees and we do that by helping prospective clients establish what the benefits of improving their credit would be to their lives.

For instance, from a financial aspect, if your credit scores are below 740, you could be paying anywhere from $400 to $1400 MORE per month on your mortgage payment. And with the new Loan Level Price Adjustments that have recently been implemented by Fannie Mae & Freddie Mac, carrying a FICO score of less than 680 could cost you an extra 2% up front on a loan. That's an additional $6,000 on a $300,000 loan amount. The cost of our program will be covered within the first 1-3 months of your new mortgage, and you will save thousands of dollars over the life of the loan. Or, in the instance that we can help you have duplicate, inaccurately reported, or expired collections removed from your reports, we can save you thousands of dollars. Every year, consumers are bullied into paying millions of dollars to unethical collection companies who don't have the right to collect any longer, but because they use threats of lawsuit or garnishment, or lien, consumers feel that they have no other option than to pay.

When considering how much consumers are spending on mortgage interest rates, auto loan interest rates, credit card interest rates, auto insurance rates, higher Private Mortgage Insurance rates, inaccurately reported accounts, there is no question that financially, we can create a case for consumers to invest in hiring a professional service any day. But at CRC, our priority is helping to give our clients the ability to live an American Dream that otherwise they may not have been able to enjoy, like buying a home, passing a background check for the job of their dreams, or being able to borrow money to send their kids to college. If you ask yourself how much you would pay for Financial Freedom, what would that dollar amount be? This is when the value of investing in the right Professional Company to help improve your credit becomes immeasurable. Your investment will always be returned ten-fold.

A CRC Representative would be happy to talk with you personally about establishing what the benefits of improving your credit scores would be to you and your family. Our toll free number is (866)541-2500.

Following are the fees and payment options for our 6-Month Programs: (NOTE: IF YOU HAVE A PROMO CODE, YOU MAY BE ELIGIBLE FOR A DISCOUNT. PLEASE BE SURE TO GET YOUR PROMO CODE FROM YOUR REAL ESTATE OR MORTGAGE PROFESSIONAL.)

• Big Score Analysis & Take Action Plan - Doing It On Your Own: $225.00
  This product is for those individuals who would like to work on their credit challenges without hiring a professional to help. The package includes an in-depth evaluation of your current credit profile conducted by a CRC Credit Specialist. This will be presented to you in the form of a 10-15 page Analysis Report, which will also become your Take Action Plan for improving your current credit situation. You will also receive a copy of Linda Ferrari's Book, The Big Score and a CD of dispute template letters. These two items will give you all of the tools you will need to successfully carry out your Take Action Plan. If you are going to tackle the credit system on our own, this package will help you avoid the most common disputing mistakes that can cost you up to 100 credit score points.

If after receiving your Big Score Analysis, you feel that the credit challenges are too much to handle on your own, CRC will deduct the above fee from one of following Credit Improvement Programs less $50.00 to cover the cost of the book, template letters, and shipping and handling. This package does not include a free credit consultation, however a CRC Credit Specialist would be happy to spend a few minutes on the telephone with you to help you decide whether or not this is a good option for your current situation.

• 90-Day Individual Credit Improvement & Education Plan: $395.00
  For those borrowers who have credit scores over 680, with one or two credit challenges keeping you from successful loan approval, or from qualify for a loan at affordable interest rates, you may qualify for our 90-Day program. The program includes the Initial Consultation & Free Pre-Evaluation; the In-Depth Credit Profile Evaluation Fee & Educational Resources; and a 90-Day Credit Improvement Program.

  
  
• EXPEDITE IT! - $200.00 (individual) $350.00 (individual/spouse: If you are in a hurry, you can speed up the program by signing up for Expedite It! With Expedite It! you will also receive:
  
  
  • A personal consultant to oversee your file throughout the process. Our personal credit consultants are trained to manage a client's file in a manner that has proven to speed up the process by several weeks.

    
    
  • A file audit every 30 days to make sure that the strategy we started with is still applicable to your case. (Without Expedite It! a file is audited one time at 90 days.) Although there are no guarantees as to how much time you will save, through the use of Expedite It!, if you don't want to wait 6 months, this add-on could be well worth it for you if you qualify for this add on. If you are interested in this service, be sure to check the Expedite It! Add-On box on the consulting agreement.

• BK RELIST (for clients who have a BK that they believe is being reported inaccurately) $250.00 (individual) $400.00 (individual/spouse)

After bankruptcy, many credit reports often retain inaccurate information. In many cases, debts that were discharged and were supposed to have the obligations (amounts due) updated by the creditors and/or the credit bureau(s) are not updated correctly on the consumer's credit file, which can result in one's credit being damaged further. Accounts discharged in bankruptcy may also end up being incorrectly reported by collection agencies as new negative obligations with balances owing. This misrepresentation of information may further negatively impact the consumer's life as well as their credit reports and credit score, affecting employment background checks and housing opportunities.

CRC will conduct an audit against your credit reports using your Bankruptcy Paperwork, looking for inaccurate information to determine if you have any "trade lines" (accounts) appearing on their credit reports that indicate erroneous past due balances owing, open charge offs, outstanding collections, and duplicate collections, even though these obligations and their balances were discharged via bankruptcy. Making these corrections to one's credit report can go a long way toward reestablishing good credit and improving credit scores.

• MEMBERSHIP EXTENSION OPTIONS
  Based on the amount of work to be done on your file, if you feel that you want CRC to continue working with you to improve your credit profile and scores further after the initial 6-month membership, you can extend your membership as follows:

• Month-to-Month Extension: $135.00/Individual - $225.00/Individual+1
• 90-Day Extension: $375.00/Individual - $625.00/Individual+1
• 6-Month Extension: $700.00/Individual - $1150.00/Individual+1

You must let CRC know within 30 days of receiving your closing statement of your decision to extend your membership.

Please feel free to send your questions to info@creditresourcecorp.com.