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Referring to Alexander Credit
How can Alexander Credit help your business?
First: Your revenue will increase. Since the credit score will no longer be an obstacle, you will be able to close more loans.
Second: You will be able to refinance current clients who were approved with less-than-perfect credit, because the higher credit score will put them in a different rating bracket. They will now qualify for a better program, which will allow you to show them substantial savings on paper.
Third: You will be creating goodwill with your clients by being the person who helped them better their lives. This, in turn, will mean more referrals from them.
Fourth: We will keep in touch with you via email to monitor the progress on your clients’ files. This will enable you to take an active interest in the lives of your clients and position yourself as a true trusted advisor.
Fifth: The mere fact that you will be receiving these emails about your clients will prevent you from forgetting about them and give you the opportunity to follow up if you so choose. Moreover, you will have something to talk about with each client, since both of you will have the same status updates.
The amount of time needed is different in every circumstance, usually varying between two to six months to remove up to 100 percent of negative, inaccurate items from a credit report. On average, we remove 65 to 70 percent of negative, inaccurate items we are authorized to work on with a subsequent average FICO score increase of 50 points.
How long does it take to increase a credit score?
Our money-back guarantee is easy to understand. We will refund 100 percent of your borrower’s money if we do not remove at least 25 percent of the negative, inaccurate items from the credit report that we are authorized to work on within six months of the time we begin work on your borrower’s file. There must be four negatives on the report when the retainer agreement is signed for the warranty to apply and neither the borrower, nor a credit consulting company acting on their behalf, may have made attempts at credit repair within the past two years for the guarantee to apply. Also, unpaid collections and charge-offs do not qualify for the guarantee.
What is your money back guarantee?
We work on our client’s file for up to 6 months. Dramatic results usually occur within the first 35 days.
How long does your service take?
Our company has been successful in getting a 100 percent result numerous times but that is not the likely result. We average between a 60 and 70 percent success rate at removing negative, inaccurate items from the credit report.
Will you get 100 percent of negative, inaccurate items removed?
Alexander Credit uses consumer protection techniques to the fullest extent on your client's behalf. Sometimes credit bureaus, creditors and collection agencies comply with our requests, sometimes they do not. Our company is completely thorough every time in enforcing your borrower’s rights, but credit bureaus, collection agencies and creditors are inconsistent, causing results to vary.
Why do the results differ?
Our average is 50 points within three months, but we have increased scores as high as 200 points. Although derogatory items on the credit report are a factor, there are many other factors in formulating a credit score. Even if we remove all negative, inaccurate items from a report, a credit score may only increase 40 points due to other factors affecting the score, such as: length of credit history, credit mixture, outstanding balances and number of inquiries.
How much will you increase the credit score?
Inaccurate, obsolete or unverifiable Bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, inquiries, late payments, old addresses, judgments, tax liens, identity theft, merged accounts, and student loans.
What items can you remove from a report?
Items that the consumer claims as being 100 percent accurate and timely.
What can’t you remove?
No, as long as the item is current or paid at the time of removal or the collection is older than three years. This holds true except in very rare circumstances.
Will the removed items ever come back?
None. The worst we can do is improve the credit and not fulfill our warranty, in which case your borrower will receive a full refund. The best we can do is substantially improve your borrower's credit score and potentially save them hundreds of thousands of dollars in interest.
What risks will my borrower be taking?
None. You are leaving your clients in the hands of a company that will treat them professionally and courteously. Best case scenario, you will give your client a loan they never thought possible. Worst case scenario, your client gets there money back with an increased knowledge of how the FICO score works and what they can do in the future to raise their score.
What risks will I be taking?
How do I refer business to Alexander Credit?
First, call the client and ask if you may fax his or her credit report in order to get a free credit evaluation by one of our staff and fax the credit report to us.
Your rep will then call your client to discuss the situation (or, if you specify, call you first) and contact you to discuss the results of our free consultation.