Typical Results

CMAC clients see results in as little as 45 days where they count: on each of their credit scores. Unlike credit repair companies, we realize that credit scoring isn't one-dimensional; while we work on removing and correcting inaccurate, obsolete, and unverifiable entries, we also make sure that all of the factors which influence your scores are in order.

CMAC Improves Your Credit Scores By:

  1. Removing inaccurate, obsolete, and unverifiable information - by lobbying both the credit bureaus and your creditors, we'll help to clean up your credit file and carefully address misleading negative entries that are damaging your scores.
  2. Helping you resolve/settle outstanding balances - while we do not settle debts on your behalf, we prepare an easy-to-follow plan with recommended settlement amounts, phone numbers, account numbers and more. This plan gives priority to the accounts which will help your scores the most and get you in the best shape for future financing.You'll know where you'll get the biggest "bang for your buck" and how your money is best spent.
  3. Teaching you how to use and manage accounts - the bulk of your credit scores is derived from your behavior patterns. Your personal coach will advise if you should open, close, pay or use your accounts in a different manner. By the end of your service term we want you to understand how your scores work and know the best strategies to keep them strong.

Historically CMAC clients average between 45-125 points for three months of service; results may vary, but when clients follow our advice and guidance to its fullest extent, even greater increases can occur. In any case, if you follow your coach's suggestions and do not see significant score results, our guarantee promises you'll receive your money back.

Year 2006 2007 2008 2009
Avg. Increase 72 Points* 73 Points* 84 Points* 86 Points*

* Based on clients completing our Express service

How Is Negative Information Removed from My Reports?

Negatives can be removed in a variety of ways by both the credit bureaus and the creditors which supplied the data. CMAC will help to protect and leverage your state- and federally-secured rights to obtain your goals.

Information can be removed if it is:

  • Unverifiable - We transfer the burden of proof where it belongs: the credit reporting agencies and creditors. We will help to ensure that if information can not be verified it will be removed.
  • Inaccurate - False and illegal reporting is not at all uncommon. Whether your file has been comprimised by thieves, mixed with someone else's, or riddled with errors, we'll help to fix outstanding issues that are affecting your scores.
  • Obsolete - Federal law mandates a maximum amount of time that information may appear on your credit file. If an item's 'run of reporting' has expired, we will assist in its removal.
  • Recalled - As a gesture of goodwill, some creditors may be willing to recall information back from the credit bureaus or request its reversal. CMAC will also write to creditors to solve outstanding issues if needed.