Why Choose CMAC?
CMAC's focus is not just on negative information, not just on your debt, but on your credit scores. Call us what you want: credit score professionals, credit empowerment, credit mentoring, credit consulting, personal risk management—just don't call us credit repair!
CMAC vs. Credit Repair
Credit repair just doesn't get it; The problem isn't all wrapped up in just the negative information (at only 35% of your score), but in the types of accounts you're using, the way you're using them, how long you have them, and how you're getting them. We do all that credit repair does and more, and much more effectively at that.
Because of the way scores are calculated, credit repair can actually damage your credit scores. Tinkering with the wrong pieces of information can cause you to be shifted into a different category and devastate your scores. Credit repair can update the wrong information, destroy your history, and leave you with a lower score than before. With scams abounding and inconsistent results, CMAC is the clear solution.
7 reasons why CMAC is way better than credit repair:
- We work with Time Constraints. We accomplish results within a set amount of time -- not an indefinite period of monthly fees.
- We have Point Guarantees. If we don't significantly meet the benchmarks we set forth, you get every single penny of your money back. It's that simple.
- We have a Score Focus. We measure results by score increase. Your score is what lenders look at and your score is what you should be concerned about! CMAC is comprised of risk management professionals who understand the scoring process. We're experienced in what matters.
- We're Personal. Our process is not automated or computer-based. It's a personal, one-on-one mentoring format with your very own credit score consultant. This person will be your coach throughout the process to ensure you meet your goals.
- We're Reliable. We set the standard for personal credit education. By following a scientific, empirical process, our results are consistent across the board.
- We're Comprehensive. Since we work with all 100% of your credit score and not just 35%, we can even help you to improve your scores if you have no negative information. Whether you need to open accounts, close accounts, pay things down or move things around, CMAC has you covered.
- We're Educational. CMAC is the doctor that helps you diagnose, treat and rehabilitate. We don't guess at your ailment, write you a prescription, and hope the problem goes away. With CMAC, you'll understand how your credit works and learn how to make it work for you.
CMAC vs. Credit Counseling
We think credit counseling is really better called “Debt Management”. Although these firms (usually not-for-profit) can help with overwhelming debt, they can do little to help your credit scores in the short term. This option isn't right for everyone, and should only be used if you are struggling to make your minimum payments or constantly behind on your credit cards.
CMAC respects legitimate debt management agencies and their ability to help those with out of control credit card situations.
CMAC vs. Rescoring
As a service provided by many mortgage professionals, "rescoring" can be a helpful tool in quickly correcting a simple error on a credit report. Although quick (usually only a 3-5 day turnaround), this process always requires proof of the action requested, can be expensive, and will do little to ensure your score maintains its position.
Rescoring is guesswork at best. It's easy to damage scores by tinkering with your credit history. It's a risk-based science, not an art! The simulations that most companies use to determine the best action for you don't even use FICO scores (always read the fine print).
Rescore doesn't advise you what's best for your scores in the long-term (CMAC does). Rescore doesn't give you an education from a personal credit coach on how to navigate the credit system (CMAC does). It's absolutely not guaranteed (CMAC is) and usually only grabs you a handful of points.
The CMAC Advantage
Fast and Easy Results
Real Results in 45 Days
Comprehensive
All Paperwork Prepared
Personal and Educational
Unlimited Credit Coach Contact
Legal and Trusted
Licensed, Bonded, BBB Accredited
Money Back Guarantee
Results on Your Scores
Affordable
Budget-Sensitive Solutions
How Is CMAC Better?
It's simple: we're personal, educational, and comprehensive. A one-on-one coach is assigned to every client to create a solution for his/her individual situation. It may take credit repair tactics and strategies to help clean things up. It might require the infusion of new credit or removal of extraneous inquiries. Negative information only affects about 35% of your credit score; unlike the credit repair guys, we tackle 100% of the factors considered by the scoring models.
We are credit score professionals
Our results aren't simply based on responses to dispute letters; we follow a scientific, empirical process focusing on modeling behaviors and improving every part of our clients' credit scores.
We fit your needs
Our process tackles every credit hurdle from negotiating and settling bad debt to choosing and building the right kinds of credit—and everything in between.
We always set realistic expectations
We're completely opposed to any deceptive practices in business and we maintain a strong commitment to ethics and customer service.