Address: PO Box 347 Caldwell, NJ 07006
Phone: 973-228-7599
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Inside Strategies to Fix your credit shared by Former Credit Bureau Executive Denise A Cestone

Frequently Asked Questions in Caldwell, NJ

Why should I trust you to repair my credit and how long have you been doing what you do and how did you get to be known as The Industry Expert on Increasing Your Credit Score …FAST!

To answer this question, it’s probably best that I share with you a quick story about my background and what brought me to where I am today. Before I became known as “The Industry Expert on Increasing Your Credit Score…FAST!,” I held several senior -level positions with Top Blue Chip Firms American Express, Citibank and most recently, TransUnion, one of the big 3 Credit Reporting Agencies. I finally realized I’d be much happier working for myself and gained irreplaceable, outstanding knowledge and invaluable skill sets that enable me to get my clients what they want by Increasing Their Credit Scores…FAST. I always wanted to work with people directly and decided to resign from corporate position, taking with me all my 25+ years of success, education, credit repair, credit, collection and debt expertise. From that moment on I began to dedicate myself fully to serving people who wanted something: a house, a car, a job, piece of mind, etc. I was able to do this by Increasing Their Credit Scores…FAST so they could live happy lives free from financial worries.

And it worked. Since 2006, we are now able to directly impact more people’s lives than I ever thought possible.

I work with people just like you in private practice and other professions who are really good at what they do; however have never been taught exactly how to repair credit or raise their credit score.
That said, the profession I support run the whole gamut.

  • Mortgage Professionals
  • Real Estate Professionals
  • Human Resource Department
  • Schools and Universities
  • Medical Offices
  • Financial Planners
  • Entrepreneurs
  • Bankers
  • High Profile Individuals
  • Entertainment and Music Industry
  • Lawyers
  • Collection Agencies
  • Coaches
  • Professional Athletes

Cleary it’s my 25 years’ experience working in many facets of the Credit and Collections Industry. I understand how credit scores are built and how to increase credit scores because I helped build many credit scoring models still in use today. Additionally, our pricing model is a Fee for Service based model. You know exactly how much our service will cost and the time frame it will take to complete your goals (typically 60 days). Most other models charge a monthly fee and take minimally 6 months before you see any results.

Since Increase Your Credit Score is a cutting edge organization, we work best with smart, motivated, responsive individuals whore are busy and do not want to deal with repairing their own credit. .

Please know we are selective with who we choose to work with, and “cherry-pick” our clients carefully. We will gently turn away people who aren’t the right fit and won’t get great results in the timeframe they expect from working together – that wouldn’t be fair to them otherwise!
Our services are not free. It’s been my experience that people in financial crisis won’t pay our fee and wont fully trust the recommendations and work we do for them. If we’re going to work together, we need 100% trust in each other and to be paid for our service. Anything short of that is lacking in integrity which is of utmost importance to Increase Your Credit Score.

Each one of the three major credit bureaus will reflect at least one-third of your total credit history. If you are requesting a credit card, someone can look at your Equifax report and find nothing that would keep the credit card company from issuing you the card. However, they might also look at your other reports, Transunion and Experian and find flaws in your credit file. That’s why it is extremely important to use a credit repair service that repairs not one, but all three of your bureaus.

From the time the credit reporting agencies and your creditors receive the disputes, they have, by law, 45 days to conduct their investigation, and provide you with a copy of your updated credit reports which will show your results. Typically results are much quicker if you know exactly where and to whom to send the dispute information too. Keep in mind the credit reporting agencies are by law forced to complete their investigations in 45 days; this does not mean that you will receive your reports at that exact point. There is volume, staffing, packaging, mail time, etc. that all has to be taken into consideration. With that said, you can expect your updated credit reports to arrive within 45-60 days from the date your disputes were sent off. This is an average. Sometimes it’s less and sometimes it’s more.
This is also dependent on how fully you commit to sending us the required information needed to start and any credit bureau information you receive via mail.
With that said, virtually all of our clients see big results quickly (45 + days) – in the form of increased credit scores and accurate data on their credit reports and much more!

Yes. See our Money Saving Chart on the home page and detailed program descriptions in the About Tab.

If the information is accurate, the answer is no. However, very frequently, the information is not reported correctly. We know how to fix that, resulting in accurate credit reporting and sometimes increased credit scores.

Yes. We offer Debt Settlement and Negotiation, Budget Counseling, Consulting and Yearly Checkup Services.

Disputing your credit report is your right according to the Fair Credit Reporting Act and FACTA Act, Card Act, Fair Debt Collections Practices Act, HIPPA (Medical Collections). Credit repair is a completely legal and very necessary service. We hold the credit reporting agencies, credit grantors and collection agencies accountable, it’s as simple as that.

Yes. Details are outlined in our contract.

Congratulations on making a decision to successfully and quickly repair your credit and achieve your goals! Your first step is to complete our VIP Application (www.VIPApplication.Org) so we can understand your goals clearly and ensure we can meet and exceed them. It’s often easy to get overwhelmed so we’ll find the right program and pace for you.

Fantastic! One of the most common characteristics of super successful people is that they take ACTION. They take educated risks, make decisions based on their best instincts, take the action needed, and ultimately move towards success much faster than the rest of the crowd.
It’s also well known that most people make their best decisions when they follow their gut instinct. Do you remember taking multiple choice tests back in school, when you changed your answer only to find out that you were right the first time and should have stuck with your gut?
So with that said, if this feels right for you – let’s go for it! I’m super excited to meet you and get you started on your path to an increased credit score that gets you what you want and ultimately more happiness.

Great, it sounds like you’re ready to Increase Your Credit Score …Fast! Yes, if you have a couple of questions, you can simply send me a message at Info@IncreaseYourCreditScore.Org and I’ll be happy to walk you through the different options to see which one is the very best fit for you. I can’t wait to see you succeed and I’m absolutely honored to be the one to help you – let’s do this and get started!

Can a Bankruptcy, Judgement, Tax Lien, late payments, repossessions, foreclosures, inquiries or Collection Accounts be removed from my credit reports?

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