There is a saying, “nothing is certain in life except death and taxes”. In today’s world the more accurate statement would be “nothing is certain in life except credit, death and taxes”.
Chaffin Credit Consulting specializes in providing credit education, analysis and restoration.
Consumers in the US have received little to no education regarding credit.
Chaffin Credit Consulting is here to answer your questions, provide personalized guidance and help you achieve your credit and financial goals.
We have specialize in studying the law, interacting with the bureaus and working with creditors and collectors.
As a smaller female owned company, our business relies on our reputation. Our goal is to make this a pleasant experience where you can learn and grow and benefit from your credit improvements.
Chaffin Credit Consulting services are threefold.
First, we remove inaccurate and harmful accounts from credit reports to improve credit. We do this by requesting validation of debt including: massive amounts of documentation such as Proof and Chain of Assignments and making sure all the legalities concerning credit reporting are being followed. Credit regulations, both state and federal, change constantly and are different in each state. Larger companies only engage in researching federal law. Chaffin Credit Consulting will dig in to all legalities, both state and federal, to make sure you are protected.
A case has never been presented where we cannot help the client discover the right avenue to restore their credit and manage their debt.
Second, all client’s agree to do their part in the process. This consists of not only keeping all payments on time with creditors from the signing of the contract but also keeping credit card balances low, not making any hard inquiries as well as applying for secured cards, loans and/or piggybacking as needed.
Between the removal of the negative items as well as the client’s role in creating positive credit the increase in credit score on average is 100 points or more by the time a client’s case has been completed.
Third, we focus on education. Clients are involved in every aspect of their debt and credit restoration case. The more involved a client is and the greater the understanding the happier everyone is.
Finally, we have instituted a different method of payment in comparison to other credit repair companies. Most companies charge a monthly fee whether or not results are achieved (*please note, charging a monthly fee for credit restoration in the state of Massachusetts is illegal). We charge a small set up fee and after that we charge only when results are achieved. You only make payments once your credit has been repaired! Our company is based on trust.
You trust us to fix your credit and help manage your debt. We trust you to compensate us once our work has been completed.
