At CRC, we are direct and honest. We realize that for many individuals 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. Click Here to read more and to learn about CRC's Payment Plan Options for our 6-Month Programs.

6-Month Individual Credit Improvement & Education Plan: $895.00 $820.00 w/promo code
(Payment Plan Options Available)

Includes Free Consultation
In-depth Credit Profile Evaluation, Analysis Report & Take Action Plan
Four Dispute Cycles
Linda Ferrari's Book: The Big Score - Getting It & Keeping It
Monthly Statements (commencing after month 2)
On-Line Access To Your Account

6-Month Individual+1 Credit Improvement & Education Plan: $1495.00 $1420.00 ($710.00 p/person) w/promo code
(Payment Plan Options Available)
(Note: Individual+1 means any two people coming into the program together, starting their files at the same time. Husband/Wife, Individual/Spouse, Brother/Sister, Best Friends, etc.)

Includes Free Consultation
In-depth Credit Profile Evaluation, Analysis Report & Take Action Plan
Four Dispute Cycles
Linda Ferrari's Book: The Big Score - Getting It & Keeping It
Monthly Statements (commencing after month 2)
On-Line Access To Your Account

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 qualifying for a loan at affordable interest rates, you may qualify for CRC's 90-Day program.

Includes Free Consultation
In-depth Credit Profile Evaluation, Analysis Report & Take Action Plan
Two Dispute Cycles
On-Line Access To Your Account

ADD ON - BK Relist: $250-$400 $225-$375 w/promo code
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 of the credit reports using your Bankruptcy Paperwork, looking for inaccurate information to determine if you have any "tradelines" (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.

ADD ON - Expedite It: $200-$350 $175-$325 w/promo code
For those borrowers who are in a hurry to proceed with the loan process, CRC offers "Expedite It", a program that focuses on creating faster results for those individuals who sign up for one of the 6-Month Programs. You can apply this add on to the programs above at a cost of $200 for an individual, and $350 for an individual/plus 1. Regardless of how quickly CRC produces results, you will still remain in the program for 6 Months. There are no guarantees, however, the 100% refund policy still applies to the basic program. The expedite fees are non-refundable.

Extension Programs
Although CRC is very aggressive in their 6-month program, there are instances where 6 months may not be enough time to produce the results that you are looking for (i.e. Identity Theft cases, files with multiple derogatory tradelines, etc.) For this reason, CRC offers the following extension programs to our clients:

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

Extension programs must be exercised within 30 days of original end date for the above fees to apply.

Debt Negotiation
Debt Negotiation is when you make an agreement with a creditor to pay a lump sum amount for a bad debt that is less than the amount you actually owe. Debts can be negotiated for between 20-60% of the original debt, however, you must be able to make the lump sum payment at the time of negotiation. You are a candidate for Debt Negotiation if:

1. You are still current on accounts, but are just about to go into default for a long period of time due to financial hardship (loss of job, medical crisis, divorce). It is true that most creditors make it very difficult to negotiate debts that are still open active accounts, but we have seen many successful negotiations done before the account is actually in default. This is especially doable if you are upside down in your mortgage payments.



2. You are already delinquent on accounts by a few months and do not foresee being able to catch up any time soon.



3. You have accounts that have already been charged-off or sent to collections.



4. You are being threatened by lawsuit or judgment.
   

Debt negotiation is a strategic and a time-consuming process, and is easier to accomplish with limited emotional attachment involved. Collection agencies are ruthless, and will go to any extent to scare you into thinking that they will take away everything from you if you don't pay your debt in full today on their terms. This is not true, however at CRC we know how intimidating it can be.

If you are ready to pay down your charge-offs, collections and unpaid judgments, and you don't have the time, or energy to face down the collection agencies or creditors on your own, CRC can do it for you. Here are our fees for Debt Negotiation:

1. File Set Up Fee: $295.00



2. 10% of the amount saved on debts which have a total due over $10,000.
   
   
3. 15% of the amount saved on debts which have a total due under $10,000.
   
   
4. 2.5% of the total debt on debts that we have removed completely due to illegal reporting, etc.
   The 2.5% is to cover the labor of battling with the creditor.

Big Score Analysis & Take Action Plan - Doing It On Your Own: $225.00 w/promo code
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 wail 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.