Credit Builder Service Overview
Although the FICO score is not the only thing lenders use as a basis for determining a borrower’s creditworthiness, it is a very large part of the basis. That’s why item disputing is core to strengthening our clients’ creditworthiness. inVIVO credit will initially focus on item inaccuracies when disputing credit report items. We will typically not dispute more than a few items at a time, helping us to achieve a more favorable result from the credit reporting agencies.
Addressing credit report items is the first step we take to build your creditworthiness. There may be items that are questionable, inaccurate and/or unsubstantiated. And there are three main credit reporting agencies and we have never seen all three reports reflect the exact same data. Addressing these items takes time and client engagement to ensure we have the correct item information.
Typical Item Dispute Process
It’s a service that can take time depending on the results of each of the three credit reports for each client. Some clients will have fewer items or less challenging items to address on their credit reports and some clients will have more items or more challenging items to address on their credit reports.
Other Service Strategies
A FICO score reflects more than whether or not payments are made by a consumer. FICO scores also factor in how long it takes for payments to be received by creditors when the payments become due. So even though consumers may be managing their debt well, their FICO scores won’t be as high as they could be simply because they aren’t making their payments close enough to the statement generation due dates.
During out first few months of service, we’ll work to help you make debt management habit adjustments that should have positive results on your FICO score. If necessary, we’ll work with you on opening certain types of credit lines which will also help to raise your FICO score.
Don’t wait any longer; stop paying such high interest on your loans and start realizing savings that stronger creditworthiness will get you.
inVIVO Build Service Pricing
inVIVO credit believes the only one way to help our clients build their creditworthiness is to work closely with clients, helping them improve their debt management habits, add positive items to their credit reports and remove incorrect, inaccurate, unsubstantiated and/or items that have not been reported in full compliance with credit law.
We offer one service and one price for individuals. We offer a 50% discount on the audit and monthly fees for a second individual should you both be a married couple.
Credit Build - Individual
- One Individual’s Credit
- Tri Bureau Audit & Analysis
- 24/7 Client Portal Access
- Agent Support
- inVIVO for life Lifetime Membership
- Unlimited Disputes
- Month-to-Month
Credit Build - Couple
- Married Couple’s Credit
- Tri Bureau Audit & Analysis
- 24/7 Client Portal Access
- Agent Support
- inVIVO for life Lifetime Membership
- Unlimited Disputes
- Month-to-Month
inVIVO Build Service Disclosure
Strengthening and building creditworthiness is a consumer service not unlike a yard maintenance service, a home maintenance service or a pool cleaning service; these services can be performed by the consumer of the services or contracted out to consumer services providers such as inVIVO credit.
Building creditworthiness is a very viable and necessary service for maintaining the health of consumer credit but like maintaining a yard, or servicing a home or a pool, it takes time and human resource. However, if you have the time to work on strengthening and building your creditworthiness then we encourage you to take on the work yourself because it can be done by the consumer. It will take research and it can be, without doubt, an arduous and tedious and time consuming process but make no mistake, it is possible to achieve the same results on your own.
Why we would encourage you to do the work yourself and risk losing the fees we would charge to do the work ourselves? For too many years, other credit repair companies have used strong arm sales tactics to gain consumer business, leading consumers to believe they can’t or shouldn’t handle their own credit bureau and creditor reporting issues. That is simply not true and any company that tells you different is a company operating under questionable ethics.
Anyone can work on their own creditworthiness; the question is how long will it take to reach their creditworthiness goals. Once you start the process, you must stay engaged until you start achieving successes, item by item. Consumer finance is our profession and it’s in our best interest as a consumer finance company to earn your business and do great work for you so we can earn your referrals.
We don’t know how long you’ll be an inVIVO creditworthiness client and regardless of how long it takes to get your creditworthiness where it needs to be, you will leave the service with the inVIVO for life Lifetime Membership which gives you a credit counseling checkup and allows you to have one item disputed (should you have any new items on your reports) on your inVIVO credit anniversary, at no cost and for life.
Our goal with our service is to gain a client for life; we are a relationship driven company.
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Prepare today for the needs of tomorrow.