Credit Rehabilitation
Helping consumers correct, improve and maintain their credit scores.

According to Consumer Reports magazine, 48% of consumers have errors in their credit files, and 12% of those errors are severe enough to result in credit denial.

Credit rehabilitation is about personalized service, integrity and results. Universal Consultant Group, LLC  delivers premium service on an individual case by case basis.
Not only do we provide quality credit rehabilitation services to consumers, we serve the credit industry as a resource for mortgage professionals nationwide.

For six years we’ve set the standards in credit score restoration and education. We serve as a source of referrals for Realtors and Mortgage Brokers who want to increase the clients likelihood for loan qualification.

80% of our business is from a referral and some of the largest Banks and Brokerage firms in the United States use our services.
Clients are able to purchase or refinance within the first 3-4 months of getting started! 

Each credit file will get specialized attention to address the following:

• Collections
• Late Payments
• Charge Offs
• Credit
• Liens
• Bankruptcies
• Repossessions
• Foreclosures
• Judgments

Achieving Financial Freedom

Universal Consultant Group focuses on the following…

		Deleting negative Items: We work with you to identify what credit items need to be removed or updated to improve creditworthiness.
		Debt Settlement: Our debt settlement program enables you to settle outstanding debt for pennies on the dollar. We work with creditors and collection agencies on your behalf to alleviate unreasonable amounts and settle for an amount that is less and payable through a payment plan or one lump sum.
		Judgments and Liens: Stays on your credit 7-10 years if not addressed. We work with the attorneys and court systems to take the proper steps to either "answer" the court or work with the client in "next steps" to remove the debt from credit and title.

Why should I restore my credit?

It reduces the stress from telephone terrorists, late notices, and credit rejection.

Benefits of Credit Restoration Program.

• Become Debt Free
• Settlements are between 33%-60%
• Our fees based on number of items on credit
• Free quotes
• We work with realtors and mortgage lenders to get you qualified

Credit Repair is Legal

Credit repair services are 100% legal and are governed by federal law (see C.R.O.A). Disputing negative, inaccurate, and/or misleading items on your credit reports is your right as a consumer. Credit bureaus would love for you to think it’s illegal, but that couldn’t be further from the truth.

You can choose to hire a professional to represent you as you do in any other matter of concern.

The law gives you the right to dispute any credit listing on your credit reports that you feel may be inaccurate, untimely, misleading or unverifiable. If a credit bureau can't verify the accuracy of a disputed listing, then it must be removed from your credit report.

The Fair Credit Reporting Act (FCRA) gives you the right to accurate credit reporting. Exercise that right by having your questionable credit listings either verified as accurate or removed from your credit reports according to the law.