Q: What’s included in our Credit Restoration Program?
A: Your investment into your personal finance and credit is for the convenience as we will take the responsibilities of challenging your derogatory accounts and responding to the investigation decisions. We only ask for your commitment to ensure your monthly payments, credit monitoring, and any services your profile requires is in alignment with your goals. Trust the process.
Once you have completed restoration you are then automatically enrolled in our MEMBERS INVITE ONLY EXCLUSIVE credit building membership where most can accumulate more access to larger lines of credit, a healthy financial relationship while increasing your confidence in buying power . This is a lifetime benefit. Passing down good Credit can become generational.
Q: Do I need to pay off my negative accounts?
A: Marc Life cannot advise on paying or not to pay, however we can inform you of what happens as well as the pros versus cons.
Are you thinking to improve your credit scored by paying more? This could hurt your credit file.
If your goals are to rebuild your reputation with a company, you have the right to do so although highly ill advised.
Some opt to pay after it’s deleted, some will arrange a payment plan while the item is being disputing and some opt to not pay at all.
Paying doesn’t waive your rights to legally challenge the item and you don’t have to pick one or the other. The important thing to remember is there is no one size fit all.
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Q: How often would someone be in contact with me throughout the process?
* One Check in call per month personalized Q & A, discuss any progress & opportunity costs
* One Credit analysis call every 6 months by request (In depth progress report)
* One Completion call once restoration is completed to join our Members only Credit subscription and private group. Only available for members that have completed Pursuing Generational Wealth.
In between those times above, all members can email us at our dedicated email and expect 24-48 hour response via member portal. Marc Life and affiliates are available Mon-Fr 6pm est. to 11:30pm via email.
Q: How long is credit restoration?
A: Credit for example can for one person take 3 months and for someone else 18 months. The length of repair would be almost impossible to know upfront because it’s a monthly ongoing investigation which is all factored upon how much the creditors, collection agencies and credit bureaus are willing to fight.
However during your enrollment call we do review your reports and give you an example of how much time you may expect.
Q: How much is the entire process?
A: How much you would pay entirely would be based upon the time that’s spent in repair as this is a month to month agreement and you can stop at any moment. The price currently is $250 for the credit analysis due the date of enrollment and $150 per month due 30 days later. Additional services may include credit monitoring for $1 to start. Rent reporters to quickly boost our members score by reporting rent payments.
Q: Would I have to send my own letters?
A: Absolutely not, we take pleasure in doing all the mailing of correspondence and replying on your behalf. You are more than welcome to submit a request for low income pricing after completing a paid credit analysis or paid Comprehensive budget analysis.
Q: I have high usage on my open credit cards, can I join?
A: Yes. During your call we develop a goal plan which includes a time frame in getting all balances under 30% or Less.
Q: Will either you or me checking my credit hurt my score?
A: No. When reviewing your reports via your online credit monitoring it is considered a soft pull. Soft pulls are not visible to creditors and will not impact your score. We offer affiliate links to ensure you receive the right credit monitoring services designed to allow your analyst to directly connect, review and advise accordingly.
Q: All of the accounts that are negative are mines can I still benefit from Credit Restoration?
A: Yes. In fact, 90% of members who have experienced deletions never denied any of the accounts on their reports. We focus on the facts involved which does not require a member to lie or manipulate the system. We use the law to remove anything inaccurately reporting. Credit reporting agencies are not above federal law.
Q: I paid off collections and charge offs can I still benefit from Credit Restoration?
A: Yes. Although paid derogatory accounts don’t help in restoration, we still have members who received deletions with paid off derogatory accounts.
Q: What makes us different than other companies?
A:
1. We follow FCRA (Fair credit reporting Act) and review all members credit reports and collection letters in connection with the appropriate credit laws.
2. Our advanced credit building program has to this date helped accumulate in combination over 500k in credit approvals for our members. Most member leave our program with between 75k-100k in Credit card and loan approvals.
3. We help newly released felons for free. It’s a limited program that opens once per year. We also work with senior citizens and young adults. Childrens materials for fun learning through gamification is coming soon.
4. We don’t use templated letters that can be found online. Each member has a personalized financial overview call that is planned specifically on their financial goals throughout the month. Each letter sent is specifically catered to each members situation.
Q: I only have one or a few accounts, how could this program benefit me?
A: Our process is the same for members who enrolled with 1 or 50 accounts as even with one account that\’s derogatory you can still be either:
1. Denied
2. Approved but with low limits
3. Approved but with high interest
Background:
Marc Life has been around for close to 8 years now & have helped many members achieve amazing results! Initially doing business as Prodigy Of Life Success, we focus on overall well being and happiness.
Ready to get started?
Use the link below to start your journey!