::: AL, Client … March 2006
"Everything about Armor Financial Services has been such a great
experience. I had no idea that a company with Armor’s services even
existed until my loan officer told me… I feel that many people would
benefit from Armor’s education & services"
::: BS, client … January, 2006
"With the help of Armor Financial Services I was able to buy my
house—and for that I Thank You! The whole Armor Team is very prompt and
organized"
::: JV, client … February 2006
"Armor Financial Services has always given me immediate responses to
my requests. The Armor Team is professional and friendly. In fact, my
credit used to be in an area of embarrassment, however now that I’ve
been dealing with Armor’s services, I feel as though my credit is now
considered “good”… so Thank You!"
We are building a national reputation for superior results and
quality customer service. We are committed to the pursuit of that
reputation one client at a time. We will stay at the leading edge of
technology and training in the credit and debt industry, and have an
extensive and up-to-date knowledge of the laws that effect consumers
-- Armor Financial Services --
Many credit repair companies make bold and sometimes false
claims in order to hype their results. Further, many of these
companies charge an initiation fee and then a monthly fee while
attacking one or a few negative/derogatory trade line(s) each
month.
Depending on how many negative trade lines that you have and how
long you want it to take to get the job done are questions that
you should ask yourself. Also, if you check into their service
closely, their basic service is to dispute only with the 3 major
credit bureaus. If you want them to send any dispute information
to creditors, public record holders, or intervene for you with
others, they charge you more.
Armor Financial Services approaches your credit score improvement
service differently. For our one time fee (or spreading it over
6 months), we will work for you for one full year, attacking all
items with the 3 bureaus, all creditors, public record holders,
etc. Our client’s desire is to get results as quick as possible
for their financing needs. Why drag it out? Our average results
indicate a 20-100 credit score improvement in 3-6 months, but we
will continue the disputing services for a full 12 months. No
extra fees with us!! Obviously there are variables on every
credit report that will affect these results.
Additionally, we will educate our students regarding the
importance of credit, the nuances of the credit scoring system,
and the most effective, efficient, and legal methods of
improving and maintaining high credit scores. While the majority
of credit services organizations operate illegitimately and with
little or no regard toward preventative education and reform,
Armor Financial Services’ graduates leave our program armed with
the knowledge, skills and habits which keep them in good
economic standing for the rest of their lives.
-- How it works --
Credit bureaus insist that individuals cannot correct their
damaged credit without waiting years for the negative items to
be removed. Don’t believe them!! Also, don’t believe all of the
propaganda making these same claims. We wander who may be behind
this propaganda?? Armor Financial Services has an extensive
knowledge of the laws which regulate the credit reporting
industry and with years of experience, we have found through
continuous refining of our strategies, that we can achieve
optimal performance for you. Although the details of the process
change as new laws are passed and regulations are added, the
underlying principle has remained virtually the same. Here are
the four essential steps that make up the process of cleaning up
your credit reports. These steps are repeated until we have
obtained results for you.
-- Step 1 --
We examine your credit reports
If we have not already received your credit reports from all
three of the major credit bureaus, you will need to get copies
and send to us. If you need us to obtain these credit reports
for you, please let us know. These updated credit reports are
crucial for us to see which items need to be disputed.
-- Step 2 --
You tell us about the negative/derogatory items
A representative of Armor Financial Services will contact you
within 24 hours of receiving your credit reports. We will go
over your credit reports in detail and develop our approach
specifically for obtaining the optimum results for you. You
will have 24/7 online access to your file to determine all
aspects/results of your dispute process that we are providing
for you.
-- Step 3 --
Armor Financial Services works your case
Armor Financial Services begins to dispute your items by using its
arsenal of strategies to challenge the derogatory/negative items
directly with the credit bureaus, creditors, and others as
necessary. Depending on the number of derogatory/negative items
on your credit reports this step will be repeated several times
until the appropriate results are obtained.
-- Step 4 --
Sit back and wait for results
The credit bureaus have 30 days by law to investigate your
dispute. Within those 30 days they must provide proof of the
discrepancies on your credit reports or be forced to delete
those derogatory/negative items. They will send you an updated
credit report due to our correspondence. You will need to make
a copy of these documents and send the originals in the mail to
us. This is necessary for us to assess their responses and to
take the necessary next steps. The cycle begins again and we
remove more of the negative/derogatory items from your credit
reports…
