Impact Financial Solutions Tonya Johns

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This is the best time of the year to get your credit worked on due to the Holiday Season approaching. Credit bureaus only have 60 days to respond (due to COVID-19) to challenges we send and with the holiday season they’re out of the office spending time with their families as they should be. However with this happening it’s causing them to be backed up and overworked so they rushed files out and push through to not get penalized for missing the deadline to respond back to you. So a lot of things can get deleted and updated due to that fact alone. With Impact Financial Solutions we send challenge letters out every 21 to 30 days with all of your negative items, to all three credit bureau‘s as well as your creditors, which yields a faster results compared to other credit repair companies. What makes Impact Financial Solutions so different than other companies is the fact we do not dispute negative items, we challenge them aggressively. Our partners will explain to each client the difference of Disputing versus Challenging. Which causes our team to get a quicker and more effective turn around from the Bureaus, which is success for our clients. We don't only challenge the negative, derogatory items on your credit report but we also get your reports from the Consumer Reporting Data Bases that also hold your negative information as well, such as: Bankruptcies, Repossessions, Unpaid Utilities, Cell Phones, Chexsystems, MIB reports Ect. So we don't just focus on half of the issue but we focus on the whole issue. No one else in our industry does this for their clients. Our goal is to make our clients whole and for them not to have to look over their shoulder even when their credit has become positive. If you have a low credit score or have suffered all or one of the the items mentioned, then you know you are due for Credit Restoration: 1)High Insurance Rate: Your creditworthiness plays a crucial role in determining your insurance premiums. A prolonged lower credit standing will make you pay more than you ordinarily would have paid if you had a higher credit score. 2)Inability to own your dream home: A lower credit score will prevent banks from lending you a mortgage, and for the few that may consider granting you, it would be at cutthroat interest rates because you are seen to be riskier. 3)Paying cash for all your purchases: A lower credit score will mean a hard time getting a credit card. Which means you are left with the only option of cash payment, with its added disincentives. 4)Inability to secure loans: When you have a lower credit score, it erodes your ability to secure loans, whether for business or personal. Even when it comes to purchasing a new car. When you do get a willing lender you will have to cope with the additional need to get a co-signer or outrages down payments and interest. 5)Inability to rent or secure a job/career: As we all know with a lower credit score in most cases you will be denied to rent an apartment or home. As well as most employers now do credit checks for employment, which could easily cause you to not be offered a job/career. 6)Not able to get a Bank Account due to having a charged off account in Chexsystems or Early Warning. This makes things very hard when you need a Bank Card or when applying for a home. 7)You have a Bankruptcy, Eviction, Repossession, Utility Bill on your credit which is also in other Consumer Reporting Data Bases that can still be seen, which can still causes you to be denied for apartments, vehicles, utilities and a home.

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Send in a voice message: https://podcasters.spotify.com/pod/show/impactfinancialsolut/message