CREDIT REPAIR FOR CREATIVE ENTREPRENUERS

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CREDIT REPAIR & FINANCIAL CONSULTING FOR CREATIVE ENTREPRENUERS & SMALL BUSINESS OWNERS

OUR SERVICES INCLUDE...

CUSTOMIZED CREDIT CONSULTATIONS

3 BUREAU AUDIT-ANALYSIS

24/7 CLIENT

PORTAL ACCESS

 

UNLIMITED DISPUTES

 

UNLIMITED DISPUTES

 

UNLIMITED DISPUTES

 

3 BUREAU

AUDIT-ANALYSIS

RESULTS TYPICALLY IN 30-45 DAYS

 

UNLIMITED DISPUTES

 

UNLIMITED DISPUTES

 

CREDIT EDUCATION

& TOOLS

 

DEBT MANAGEMENT

 

 

OUR SERVICES INCLUDE...

CUSTOMIZED CREDIT CONSULTATIONS

CUSTOMER SERVICE SUPPORT

3 BUREAU AUDIT-ANALYSIS

UNLIMITED DISPUTES & DEBT VALIDATION

 

MONTHLY UPDATES

CREDIT BUILDING RESOURCES

24/7 CLIENT PORTAL ACCESS

 

CREDIT MONITORING

NO CONTRACT (CANCEL ANYTIME)

RESULTS TYPICALLY IN 30-45 DAYS

 

NO HIDDEN FEES

BUDGETING ASSISTANCE & DEBT MANAGEMENT

CREDIT EDUCATION

& TOOLS

 

MONEY BACK GUARANTEE (IF NO DELETIONS IN 120 DAYS)

OUR VISION

To create a positive, impactful and informative experience for creative entrepreneurs & small business owners by providing a holistic approach to financial literacy.

OUR MISSION

Payne Free Solutions is dedicated to making a positive impact in the lives of our clients by helping them improve their credit score, gain financial stability and by providing them with the knowledge/tools to achieve their financial goals. 

 

HOW

IT

WORKS

 
 

FREQUENTLY ASKED QUESTIONS

IS CREDIT REPAIR LEGAL?


Yes, credit repair is legal and our credit education and document processing services will help you use the law in your favor. That law is called "The Fair Credit Reporting Act" (FCRA). The FCRA gives you the right to dispute any item on your credit report. If the item cannot be verified within a reasonable time (usually 30 days). It must be removed.




WHAT IS YOUR 100% GUARANTEE?


You are entitled to a 100% refund on all monthly payments if:

  • We do not remove any negative accounts worked on.
  • You have had 120 days (4 consecutive months) from the time that you retain our services.
  • You have not used another credit-consulting agency or attempted to repair your own credit at least 1 year prior to signing up for our services.
  • You have had no new collections or missed payments during the time frame we are assisting you.
  • You have maintained credit monitoring services with Identity IQ (IDIQ) at all times during the time frame we are assisting you.
  • You agree & have sent updated reports/responses from the three credit bureaus & creditors to us through your secure client portal messaging within 5 days of receipt.
  • Make us aware if updated reports have not been received. (You should receive updated credit reports every 35-45 days.)




WHAT ITEMS CAN YOU HELP ME REMOVE?


With our professional assistance and document processing, our clients will be able to remove a multitude of varying negative remarks from their credit, such as: collections, credit card debt, inquiries, late payments, old addresses, judgements, repossessions, medical bills, tax liens, student loans, bankruptcies and foreclosures.




CAN ITEMS YOU REMOVED BE PLACE BACK ON MY CREDIT?


As long as the item(s) is current or paid at the time of removal or if the collection is outside of the legal time period allotted to remain on your credit, it should not come back. In the rare case it does, we can simply dispute it as it would have been placed back on your credit in error.




WHY DO RESULTS VARY?


On average, clients are able to remove 80% of the negative items on their credit report (if not more); however there are some cases where creditors and credit bureaus are correct and have done everything right. In those cases, we do not have a case against them.




HOW LONG WILL IT TAKE TO RAISE MY CREDIT SCORE?


In most cases, clients will see an increase in their score within their first cycle (35-45 days) and will need to continue on a month-to-month basis until they are satisfied with their overall results.




IN ADDITION TO STARTING THE CREDIT DISPUTE PROCESS, WHAT ELSE CAN I DO TO HELP RAISE MY CREDIT SCORE?


  • Pay all of your bills on time! Every. single. time. This includes your utility bills, mortgage, auto-payments, student loans and all your revolving credit; such as credit cards.
  • Build positivie credit by utilizing the resources recommended to you. (Disputing negative remarks alone will not increase your score. You must build up what has been removed to have an overall great credit profile with varying types of credit use.)
  • Check your credit report at least once a year.
  • Educate yourself on credit and how it works. We can help you understand how to challenge incorrect information on your credit report, as well as teach you the benefits of utilizing credit correctly.
(For more information and tips on additional ways increase your credit score, please visit the Credit Education Tips section.)




HOW MUCH WILL IT COST ME?


Packages vary. Our packages are tailored to fit the needs of all clients. Please review our pricing section for more details.





 

Cancellation Policy

Services are provided on a month-to-month basis and clients may cancel their service at any time, at least (3) three days in advance of any  upcoming recurring payment. When cancelled, according to these terms, the upcoming recurring payment will constitute the final payment due for services rendered. All services are billed in arrears. 

Usage Tracking

Payne Free Solutions, LLC tracks user traffic patterns. However, we do not correlate this information with data about individual users. LLC does break down overall usage statistics according to a user's domain name, browser type, and MIME type by reading this information from the browser string (information contained in every user's browser). Payne Free Solutions, LLC sometimes tracks the search terms that users enter in public search engines, which generate a "click through", but this tracking is never associated with individual users. We use tracking information to determine the effectiveness of individual search terms. 

Privacy Policy 

Commitment to Your Privacy

This site is owned and operated by Payne Free Solutions, LLC. Your privacy on the internet is of the utmost importance to us. At Payne Free Solutions LLC, we want to make your experience online satisfying and safe. Because we gather certain types of information about our users, we feel you should fully understand our policy and the terms and conditions surrounding the capture and use of that information. This privacy statement discloses what information we gather and how we use it. 

Sharing of Information

Payne Free Solutions, LLC. does not under any circumstances share, sell, rent, or in any other way provide your information to anyone for any use whatsoever.

Cookies

We may place a text file called a "cookie" in the browser files of your computer. The cookie itself does not contain Personal Information although it will enable us to relate your use of this site to information that your have specifically and knowingly provided . But the only personal information a cookie can contain is information you supply yourself. A cookie can't read data off your hard disk or read cookie files created by other sites. Payne Free Solutions LLC uses cookie to track user traffic patterns (as described above). You can refuse cookies by turning them off in your browser. If you've set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You do not need to have cookies turned on to use this site. 

Security 

Payne Free Solutions, LLC operates secure data networks protected by industry standard firewall and encryption protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.

Your Consent 

By using this site, you consent to the collection and use of this information by Payne Free Solutions LLC. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it. 

Information Payne Free Solutions, LLC Gathers and Tracks

Payne Free Solutions, LLC gathers two types of information about users: 

  • Information that users provide manually on our website. This information is gathered on our Enrollment (Sign Up) Form and includes name, address, email address. This information is not shared or used for any marketing purposes whatsoever.

  • Information Payne Free Solutions gathers through aggregated tracking information derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers' needs and to help us better understand the demographics of our audience. 

Public Safety and Legal Process 

We will not share information about individual users with any third party, except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public. 

TERMS & CONDITIONS

CONTACT

PAYNE FREE SOLUTIONS, LLC.

OUR ADDRESS

1050 LAKES DRIVE, #225, WEST COVINA, CA, 91790

Email: info@paynefreesolutions.com
Tel: 1-866-96-PAYNE | 1-866-967-2963

Click Here to Find Us

For any general inquiries, please fill in the following contact form:

 

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CONTACT 

M-F 9A-5P PST

1050 LAKES DRIVE, #225

WEST COVINA, CA, 91790

Email: info@paynefreesolutions.com
Tel: 1-866-96-PAYNE | 1-866-967-2963

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