The credit repair services we provide resemble those of a defense attorney. Your credit report really is just a set of unproven assertions. Do you know that most people never challenge negative items on their report? Signing up for our services and allowing us to represent you, is like entering a “not guilty” plea. We challenge inaccurate information about your credit. We find creative ways to overcome what may seem like an insurmountable obstacle to you. When this process has been initiated, it becomes the legal obligation of the credit bureaus, collection companies and creditors to investigate each and every dispute. If they claim to have investigated the assertions contained in your report, we will appeal the decision and eventually most of those inaccurate “allegations” are deleted.
The credit bureaus aren’t concerned about your consequences due to mistakes on your report. Information is frequently wrong and provides an inaccurate portrayal of your responsibility and credit worthiness. Mistaken negative info on your report does not fairly represent you as a consumer. Responsible and credit worthy people like yourself are tagged as high risk to lenders, and even viewed as “deadbeats.” Every credit report is unique, exactly as every court case is different. We know this, so we take the time to draft a custom dispute for every negative item on your report. We do not use form letters, because we know they are just not effective. We partner with you to achieve your financial goals through credit repair. Your success is our success.
At Cobalt Credit Services, this is the value that you get:
HIGHLY SKILLED STAFF
Cobalt consults with a group of Accountants, Attorneys and Loan Officers, allowing us to implement a vast pool of knowledge and information. Additionally, we are constantly tracking the credit reporting laws and tweeking our methods accordingly. We at Cobalt Credit eat, breathe, and sleep thinking about the best ways to repair bad credit. Lucky for our clients, who get to rest easy knowing that they can count on our expertise and follow through.
NO FORM LETTERS
We never use form letters. We prepare custom disputes for each negative item on your report. Many credit repair firms will use the same letter for ALL their clients. This does not prove to be a successful strategy, and that is why we avoid it.
UNLIMITED DISPUTES
Unlike other companies that charge you a fee for each dispute, we offer unlimited disputes at no additional cost. You pay one flat monthly fee, whether it be 10 disputes or 100. We also dispute with the Credit Bureaus as well as with the problem creditors or collection companies that reported the negative items.
UNLIMITED DELETIONS
Some credit companies even charge you a fee for each individual deletion. We don’t do that. Our process is geared towards protecting your rights. We will never charge you extra for simply performing the job you hired us to do.
NO HIDDEN FEES
Our service is designed to be effective and easy for you. In other words, what you see is what you get. THERE ARE NO HIDDEN FEES. You have more important things to do than to be worrying about unplanned extra charges. We are here to make this process easy and worry free for you.
LOW MONTHLY FEE
Our extensive experience helping clients just like you, has enabled us to develop some of the most effective strategies and procedures available. Therefore, we pass the savings directly to you. Once you are signed up, our low monthly service fee starting at $99 will take care of all your needs.
FULL REFUND POLICY / CANCEL ANYTIME
We believe our service is so effective that we offer a complete warranty that entitles you to all or some of your money back if our work does not produce a sufficient amount of removals of negative items from your credit report. Our services are provided on a month-to-month basis, you choose how long or how short a timeframe to employ us. You may cancel at any time, without any extra charges.
