Our Process
At Top Tier Financial Solutions, we're committed to helping you achieve financial freedom through credit repair solutions tailored to your specific needs. We understand that the cost of repairing your credit can be a burden, which is why we offer a zero upfront fee credit repair program that lets you get started with confidence.
Our zero upfront fee program means that we won't charge you for the Initial Audit Fee until it's completed and 5 days after you enroll. This gives you peace of mind to get started with our credit repair program without any upfront costs.
Our dedicated team of credit specialists will work with you every step of the way to help you achieve your financial goals. We provide a comprehensive credit repair plan tailored to your specific needs, and we'll work tirelessly to contact the credit bureaus and your creditors to seek solutions that will improve your credit report.
We're so confident in our services that we offer a 100% money-back guarantee. If we're unable to delete any negative items from your credit report in 180 days, we will refund your Initial Audit Fee in full.
It's important to note that a deletion fee is invoiced for the complete deletion of an item, and the deletion fees below are per item and per bureau. The deletion of any item from any bureau counts as one (1) deletion, and the deletion of any account or public record from all three credit bureaus counts as three (3) deletions.
Once we've successfully deleted negative items from your credit report, we'll bill you for the total balance every month. For example, if six collections are deleted, we'll send you an invoice for $300, which you'll be required to pay.
Our clients are also required to maintain an active credit monitoring service from all three credit bureaus. If you don't already have a credit monitoring service, we'll have you sign up for our preferred credit monitoring site, which costs $1 for the first 7 days and then $21.99 a month. You can find more information about our credit monitoring service at www.toptierfinancialsolutions.com/idiq.
At Top Tier Financial Solutions, we're committed to helping you achieve your financial goals, and our zero upfront fee credit repair program is just one of the many ways we demonstrate our commitment to our clients. Join the countless satisfied clients who have put their trust in us, and take the first step towards a better financial future today.
Initial Audit Fee – $199 Per Person
At Top Tier Financial Solutions, our credit audit report is a comprehensive and detailed analysis of your credit report. Our credit specialists will conduct an initial evaluation of your credit history to identify any errors, inaccuracies, or negative items that could be affecting your credit score.
Our credit audit report provides a clear summary of your credit report, highlighting any issues that need to be addressed. We'll provide you with a customized plan to help improve your credit score, such as disputing errors or negotiating with creditors to remove negative items.
The goal of our credit audit report is to help you understand the factors that are impacting your credit score, and provide you with a roadmap for improving your credit. By identifying and correcting errors and inaccuracies on your credit report, our credit repair program can help you achieve a higher credit score, which may ultimately result in better financial opportunities.
Our credit audit report is a valuable tool that provides insight into your credit history and provides actionable steps to help you achieve your financial goals. At Top Tier Financial Solutions, we're committed to helping our clients achieve financial freedom, and our credit audit report is just one of the many ways we work to achieve that goal.
Below are the services included in our Initial Audit
- Provided with 24/7 Online Account Access
- Negative Items Added to Database for Disputing
- Provided with 15+ Page Initial Audit Report
- 1st Round of Dispute Letters Created
- Welcome Call Scheduled
- Details of Consumer Rights
$10 per Inaccurate
Personal Information
Credit bureaus are organizations that collect information about individuals' credit history and use that information to create credit reports. It's important to ensure that the information on your credit report is 100% accurate. Inaccurate information, such as someone else's name or address on your report, can cause a credit merge and result in their items jumping onto your credit report. This could have negative consequences for your credit score, so it's important to review your report regularly and dispute any errors you find.
We work to remove the following:
- Inaccurate or Misspelled Names
- Incorrect Date of Birth
- Incorrect Social Security Number
- Outdated Telephone Numbers
- Previous Employment Records
- Previous Employment RecordsRemoval of ex-Spouse
$10 per late payment after removed.
Late Payments
We understand that there may be late payments reported on your credit history. To ensure that the information reported is accurate, we will contact the relevant credit bureaus and creditors in accordance with the Fair Credit Reporting Act (FCRA) and the Fair Credit Billing Act (FCBA). We will request that they correct any errors and update your credit report with the correct information.
Late payments appear due to:
- Job Loss
- Hospitalization
- Deployment
- Financial Hardship
- Computer Error
- Inaccurate Reporting
Erroneous
Student Loan Consolidation
If you need to consolidate your student loans, you shouldn't have to pay thousands of dollars to do it.
Our company will assist in connecting you with our partners to consolidate your federal student loans at no additional cost to help you with one of the following:
- Lower Interest Rates
- Lower Your Monthly Payment
- Income-Driven Repayment Plan
- Consolidate Into One Student Loan
- Avoid Tax Offset
- Possible Loan Forgiveness
$50 Per Item – Per Bureau
Collections
Collection accounts can be burdensome, and it may be unclear what rights you have. We never recommend that you do not pay a collection agency. However, before doing so, ensure that they provide proper validation and can prove that the account belongs to you. At times, collection agencies may report inaccurate information on your credit report, so it is their responsibility to provide verification that the accounts are accurately reported.
They must do the following:
- Report 100% Accurate
- Provide Account Validation When Disputed
- Aren’t In Violation of the FDCPA or FCRA
- Ensure Balance is Listed Correctly
- Mark Account as “In Dispute” When Disputed
- Delete The Account If There Is No Proof
$75 Per Item – Per Bureau
Repossessions
Having your car repossessed can be a stressful and unpleasant experience, but we want you to know that it's possible to recover from it. Creditors and credit bureaus are required to report accurate information on your credit report, and they must also provide documentation that supports any information that they report.
Lenders must do the following:
- Report 100% Accurate
- Provide Account Validation When Disputed
- Aren’t In Violation of the FDCPA or FCRA
- Ensure Balance is Listed Correctly
- Mark Account as “In Dispute” When Disputed
- Delete The Account If There Is No Proof
$100 Per Item – Per Bureau
Foreclosures & Short Sales
Being foreclosed upon can hinder your ability to obtain credit approval again. Nevertheless, knowing how to request validation or verification may be essential to ensuring its appropriate removal.
Lenders must do the following:
- Report 100% Accurate
- Provide Account Validation When Disputed
- Aren’t In Violation of the FDCPA or FCRA
- Ensure Balance is Listed Correctly
- Mark Account as “In Dispute” When Disputed
- Delete The Account If There Is No Proof
$100 Per Item – Per Bureau
Public Records (Bankruptcy, Child Support, ect.)
Public records can have a negative impact on your credit score. These records are not reported by courthouses to the credit bureaus, so it's crucial to obtain the necessary documentation to have them removed from your credit report. Taking these steps can help protect and improve your credit score.
We can dispute the following inaccurate public records:
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Federal Tax Lien
- State Tax Lien
- Judgments
- Child Support
