Heritage Credit Group

Absolutely! If you are not afraid to “roll up your sleeves” and do a little assisted DIY credit repair, the Heritage Group is happy to walk you through some processes that most people can do on their own. Please contact us for more information.

A consumer can expect to pay $200 monthly for a few months. Most pay somewhere around $200 to $1400 total spread out over several months. Much depends on what needs to be done to improve the credit score and everyone’s situation is different.

The photos are actual clients of the Heritage Credit Group who agreed to let us take a picture of them holding up their check. The check amounts range from $1,000 to several thousand dollars. And yes, there are very real! We have a proven system that helps clients deal with collection agencies that are calling or writing letters to our clients. Our protocol forces the collector (or creditor) to remove the derogatory entry from the client’s credit profile, expunge the debt and write our client a check!

This is not a credit issue; it is a debt problem. It is important to explore all the possible solutions that are available to you and then determine which makes the most sense for your family. Heritage has a proven system for dealing with debt but it should only be considered after all other possible solutions are considered too. You should call and make an appointment to get a clearer understanding of the options that are available. Only after the debt issue is resolved can you possibly consider credit restoration.

Our address is 1303 E Grand Ave, suite #101 in the Financial Center just east of Panda Express. There is ample parking behind the building. Take Juniper Street off Grand then turn right into the parking lot. It is best to come in through the Juniper Street entrance. You may also want to call first and make an appointment, especially during Covid.

If there are no negative entries on your report but your score is still low, that usually means either your debt to income is not good (DTI) or you do not have enough trade lines. Trade lines are good accounts that you pay on every month. These might include a car payment, a mortgage, a credit card or a department store card. Consumers should have at least 3 good trade lines that are not maxed out.

There may be times when it is beneficial to pay a collection agency. If there is valid reason to do so, it is very important that they agree to send you a letter (before you pay) indicating that they will remove their company name from your credit profile. If they say they can’t or won’t, it will not be to your advantage to pay them. They will simply show up on your report as a “Paid Collection” which is just as bad a regular collection.