ABOUT
Take Control of Your Financial Journey: Comprehensive Consultation for Lasting Success
Navigating the financial landscape can be overwhelming, particularly for those facing negative credit scores and significant debt. Many individuals struggle with high interest rates, loan denials, and a lack of access to expert guidance in today’s dynamic economic environment. Our financial consultation services are designed to help you regain control and achieve your financial goals.
What sets us apart from other financial consultants is our commitment to your education and empowerment. We provide comprehensive resources and educational modules to help you understand your finances and make informed decisions.
You don’t have to navigate the financial landscape alone. With our expert guidance and innovative solutions, we’ll be your trusted partner in overcoming financial challenges and achieving long-term success. Let us help you pave the way to a brighter financial future.
We set high expectations
We set high expectations for ourselves as a Consultation Company. You can expect only the best service from our team of financial experts. In the economic industry, we are dedicated to helping our clients get back on financial track. We are here to assist you on the journey. Let our services and experience speak for themselves. We are highly dedicated to ensuring you attain the highest financial freedom.
We pride ourselves
We take pride in being a premier financial consultation company, dedicated to addressing the diverse needs of our clients. We understand that financial challenges can stem from various issues, including inaccurate or unverified information that may affect your credit score. Our team is here to assist you in navigating these complexities, helping you make informed decisions about your finances.
We offer strategic advice on debt consolidation and reduction, ensuring that your financial goals are met effectively. Our experts stay up-to-date with industry guidelines and regulations, empowering you with knowledge about your rights and options. We guide you through every step of your financial journey, providing a clear understanding of the financial landscape and how to achieve your goals.
OUR SERVICES
1. We will help you obtain all of your credit reports from the 3
major reporting agencies (Experian, Equifax and Transunion) from
Identity IQ.
2. We will do a complete Audit of your credit reports with you either
by phone to determine inaccurate, outdated and/or unverifiable
information contained on your credit reports.
3. We will prepare the appropriate documentation to submit to CRA’s
to initiate disputes of inaccurate, outdated and unverifiable items
appearing on your credit report.
4. We will also prepare the appropriate documentation to submit
disputes and validation request directly to listed creditors/debt
collectors on your credit report that you believe to be inaccurate,
outdated and/or unverifiable. You will be notified of all
documentation sent on your behalf to the CRA’s.
5. Your information will only be released to authorized CRA’s,
Creditors and organizations necessary to complete the services
described in this contract.
6. 1-year Consumer Education and audit
7. All Updates and Communication on your progress will be Via your
client portal or email.
HOW IT WORKS
Step 1:
Essentially what we do is provide a deep credit analysis of your credit history and pinpoint any inaccurate or misleading information to dispute with creditors. You set up a profile and we keep you updated on the status of disputed items with creditors. We offer individualized plans to help you rebuild and alter spending patterns. Our programs are available 24/7 to help you track any updates or progress on your file. Our experts will guide you on ways to best rebuild your credit, and communicate with you on our restoration programs. We focus on customer satisfaction and utilizing the latest finance tools. Let our credit experts put you on the path to financial freedom and start taking advantage of everything that comes with having good credit.
Step 2:
We keep a detailed file on any inaccurate or debatable information in our programs, and begin the process of challenging creditors and credit bureaus. Transparency is important to us and our clients, and we provide feedback and constant communication so you are always aware of your situation. If an item comes back verified with no change, we follow up with the credit bureaus to negotiate a resolution. With our restoration and repair programs, you can trust everything that can be done to improve credit is being accomplished
Step 3:
Our experts are constantly analyzing ways to repair your credit score. While we know the process of waiting for a response can be nerve-racking, we help you become more knowledgeable about your credit with our online tools. We send updates on financial education, debt settlement, foreclosures, and more. You can simply log into your account to learn more about our feature products such as credit monitoring, legal assistance, and rebuilding credit cards. We give you professional financial advice and recommendations to empower you in the daunting world of finance. With our phenomenal services,you’ll be on your way to re-establishing credit and stabilizing your financial future. Let us navigate the waters of the unstable world of finance and credit bureaus with our educational and innovative programs and services.
Step 4:
After the reports have been updated, we go through the reports again to see what has been changed or corrected. Any changes and updates are noted in your file. We will continue to go through the report and request misleading and inaccurate information be removed or updated. If an item is reported as being verified, we will continue to follow up with the entity that submitted the information to the credit bureau along with the reporting bureau. The goal is to repair your credit and we will see it all the way through.
EDUCATION
Education Resources
As part of our exceptional services, we provide educational resources and tools to help you not only rebuild your credit, but to keep it. We keep you informed of the latest credit regulations, laws, and more so you are fully equipped and empowered through the myriad of obstacles in the credit world. We work with the top three credit bureaus Experian, Equifax, and Transunion to refute, question, and challenge anything which appears unverified or debatable on your credit report. We communicate with creditors to remove and push forward on your behalf any account mistakes to clear your history and repair credit scores. This enables our clients to secure lower interest rates for home and auto loans, or to finance other sizeable purchases. With our services, clients are able to refinance or secure a home loan faster than the typical wait period of 5-7 years.
We also help our clients understand the importance and meaning of FICO scores. Most clients are unaware of how important your FICO score is and how it is calculated. We walk you through payment history, amounts owed and more so you are fully knowledgeable about how the credit industry works. We have a full source of credit jargon to familiarize yourself with all the ins and outs of the credit bureau industry.
Terms of FICO Score and Credit Industry
Your FICO Score is calculated through a number of different factors and percentages. Here is a general breakdown of how your FICO Score is determined:
Payment History(35%) includes account payment information, bankruptcy or judgments, duration of overdue payments, amounts past due (if any), and duration of any adverse occurrences.
Amounts Owed(35%) (30%) includes the amounts owed on accounts individually and totaled together as a whole, the number of accounts with balances, proportion of credit line used and proportion of installment loan amounts still owed.
Length of Credit History(15%) includes the duration accounts have been open as well as the amount of time since accounts have been active.
New Credit(10%) includes the number of and duration since recently opened accounts and proportion to total accounts, number of and time since recent credit inquires, and the re-establishment of positive credit history following past payment problems.
Types of Credit Used(10%) includes the number of various types of accounts, such as credit cards, retail accounts, installment loans, mortgages, etc.
PRICE
We prepare an in-depth credit analysis to calculate and indicate areas of improvement for your credit score. With our specialized programming, we fine-tune individualized plans to improve current credit score in as little as 30 days! With a one-time fee of $149.00, we can start the process to financial independence and protecting your newly acquired credit with our many program options.
CREDIT ANALYSIS
Review your Credit Report for inaccurate items.
Review of outdated accounts.
Review your credit report for inaccurate personal information.
Review accounts that can be made current.
Review revolving and installment accounts with high credit utilization.
Build a plan on how to fix the inaccurate, misleading and incorrect information.
Build a plan to raise your credit score.
Build a plan to rebuild your credit score.
Provide you with a detailed report of everything listed above.
Consult with you over the phone regarding your detailed plan.
Provide you with a step-by-step video training on how to raise your credit score.
Provide you with a step-by-step video how to rebuild your credit score.
SERVICE
Analysis and review of client file status.
Receiving and processing manual updates.
Respond, receive, and/or initiate correspondence via telephone and mail.
Review client’s credit report updates to determine next steps.
Create a strategic plan to assist clients in meeting their goals.
Create and send dispute letters to creditors.
Assist with budget and credit question/process.
Provide ongoing credit education.
Provide ongoing budget and spending recommendations.
Provide clients with access to educational portal sites.
Update clients with educational materials such as articles, and videos.
Provide debt consolidation options.
Frequently Asked Questions
What is financial consultation?
Financial consultation involves working with a financial expert to assess your current financial situation, set goals, and develop a personalized plan to improve your financial health. This may include budgeting, debt management, and investment strategies.
How do I know if I need financial consultation?
If you’re feeling overwhelmed by debt, unsure about budgeting, or confused about your financial options, consulting with a financial expert can provide clarity and direction.
What should I expect during my first consultation?
During your first consultation, you’ll discuss your financial goals and concerns with a consultant. They will review your financial situation, answer your questions, and outline a plan tailored to your needs.
How long will it take to see results?
The timeline for results varies based on individual circumstances and goals. Many clients begin to see positive changes within a few months, especially with consistent effort and guidance.
Are your services confidential?
Yes, we prioritize your privacy and confidentiality. All information shared during consultations is kept secure and confidential.
Do you provide resources or tools for financial education?
Yes! We provide a range of educational resources, including budgeting tools, financial literacy modules, and access to workshops that can further enhance your understanding of financial management.
Copyright © 2024 Aloha Financial rights reserved.