We carry a wide range of products to suit a variety of budgets and tastes. Our most popular products are shown below. Please call or stop by for more information on products, current promotions and custom options.
Twelve months allows full escalation of FCRA Section 602, 609, & 612 to legally and permanently delete inaccurate items. Designed to quickly put you in a buying position for a mortgage or auto loan.
Our services include:
A 3-part Credit Educational Series
Full analysis of your credit file
Credit consultation and review
Aggressive execution of legally formatted dispute system
Make corrections to listed personal data such as alias’, previous address, inquiries
Protection to ensure ongoing accuracy of your credit
Monitoring - continued access to updates and progress of your files
Total customer support
You'll receive a "Welcome Letter" and a "Welcome Call/Email (if provided)" from a member of our team congratulating you on your smart decision to get your credit repaired with A&O. They'll easily explain all the benefits of our program and gladly answer any further questions you have. Throughout your entire service you can mail, email, call, or use our support center at anytime. We always keep you updated. You'll receive updates via mail every other 21-45days on the progress, and updated credit reports from the credit reporting agencies by mail through out your entire program. When you receive those reports, simply fax, or mail them to us and we'll continue the credit repair process. That's it! —We keep it simple. We repair all three of your credit reports, and you'll see results within the first 60-90 days. Our motivation is to quickly repair your credit and provide you with permanent results you can count on. We'll go directly through the credit reporting agencies and even your creditors to get the negative items removed. We'll even deliver lawful cease and desist notices to your creditors for the removal of a specific item (just another example of the extra mile we'll always go for you.) Will will also send verification request out to those companies that take more than 1 effort for us to remove or delete. Keep this in mind, when an individual applies for credit, three things are taken into consideration: Your credit score, The negative or derogatory items within your reports, and finally Your positive credit / Credit depth (the length of time the items have remained on your reports)We help you with all three. When shopping for a new home or refinancing the is one addition item the banks and lender review and that's your debt to income ratio. So through this process please be aware of what you have coming in and what's going out. Anything that you can do to pay on or before your bill due date will help increase your score as well as paying down your HIGH credit card balances. (Try to stay at least at half of what your credit limit is this will also help add points back to your credit in an instant.)