WELCOME TO ENCHANTING MURPHY CREDIT CONSULTING
“If there are NO Guarantees in credit repair, then why pay for the possibility?
At Enchanting Murphy Credit Consulting you Only Pay For Results AFTER You Receive Them!”
Credit Evaluation
We create a plan and develop a personalized review to address any negative items improving our clients credit reports.
Set a Goal
Define clear objectives and identify specific goals you want to achieve with your credit repair efforts. For example, improving your credit score by a certain number of points, paying off debt, and removing inaccuracies from your credit report.
Get Results
Enchanting Murphy Credit Consulting will give our expert guidance and support. we will negotiate with creditors on your behalf. By implementing our strategies consistently and responsibly we will ensure results.
ABOUT US
Rebuild, Repair & Improve Your Credit Score!
Here at Enchanting Murphy Credit Consulting it's all about partnership. We work closely with you to understand your situation, then leverage our expertise to deliver the credit breakthrough you deserve. Let's talk about what a customized credit plan can do for you. Our team is committed to helping you write a new financial chapter. Your brighter credit future starts today. The bottom line? We don't get paid unless you receive results. YOUR SUCCESS IS OUR SUCCESS
Pay Per Deletion
We Do NOT Charge For Credit Repair
Only For RESULTS
No Hidden Fees
Cancel At Any Time.
The Audit, Setup & Review- One Time Fee Of $297 Per Person
We will create an audit with your credit history to see exactly which category your points are dropping from. We will then create a customized strategy and provide you with the following:
9-20 page detailed audit of your credit report breaking down what's hurting your credit, what's helping your credit, and what we need to do to get you to where you need to be.
24/7 online access to a secure client portal so you can see exactly what's going on with your credit and where you are in the credit repair process
Discounted credit monitoring service for all 3 major credit bureaus and reports.
100 days of credit advice, tips, & secrets
And many other valuable resources…
HOW WE WORK
How Our Credit Repair and Restoration Works
Review Credit Reports
One size does not fit all when it comes to credit repair, That's why at Enchanting Murphy Credit Consulting, we customize solutions based on your unique needs and budget. No upfront fees, No monthly subscriptions, just results- driven packages designed for real people facing real credit challenges. We don't believe in asking you to pay for services that may or may not work instead we guarantee you only pay after seeing credit report improvements
Fix or Dispute Errors
Let's dive into how our credit dispute process works and what fees may apply. When we send disputes on your behalf, we contact each credit bureau, original creditor, and collection agency to investigate items you wish to challenge. Our goal is to get inaccurate, unverified, or outdated information removed from your credit reports.
Now about those fees. We charge a $50 deletion fee for each item that gets successfully deleted after we dispute it.Here's a quick breakdown:
* If an item gets deleted from one credit bureau, that counts as one deletion fee.
* if the same item gets wiped from all three bureaus - BOOM! - that counts as three deletion fees.
* The fee is per item, not per credit bureau.
Our deletion fees simply cover our costs for all the work we put into cleaning up your credit report. We aim to make the process as transparent as possible so you know what to expect. Just let us know if you have any other questions!
We know what you’re thinking…
What if you get 20 deleted items, you do not want to get stuck with a $1,000 bill right? Well if you do,
CONGRATULATIONS!!!
That is a lot of deletions! But don’t worry, we are not going to make you pay us $1,000. We will let you pay $100 per month until the balance is paid off. For example: if there are 12 collections deleted from your credit reports. We will send you an invoice of $600, in which you have two options. You could pay in full and receive 20% off… Or you can set up a payment plan where you only pay $100 a month for six months. Our clients like that better because the $100 is going towards work that has already been completed instead of possibilities and hope.
We encourage all of our clients to enroll in credit monitoring through the duration of their credit repair journey. Having access to your credit reports from all three bureaus is essential for identifying errors and tracking your progress. If you don't use a credit monitoring service, don't worry ! We're happy to set you up with a reliable one. That will give you the visibility you need to achieve your credit goals with us. Monitoring your credit regularly is a key part of the process, so let us know if you have any other questions !
Inaccurate Personal Information
It is very important that everything reported in the personal information section is 100% accurate and up to date. The credit bureaus use this information to verify your identity and if anything reporting there is incorrect or outdated, the security of your information may be compromised. This could be the result of a mixed credit file where someone else's credit is actually mixed in with yours causing some of the accounts to appear on your report.Inaccurate personal information is also often the first sign of identity theft. ( we include this process with services)
Inaccurate, misspelled, and different variations of your name
Wrong and/or outdated addresses
Wrong and/or outdated phone numbers
Incorrect social security numbers
Incorrect Birth date
Ex-Spouses
Wrong and/or outdated employment records. Let us know if you have any other questions !
Late Payments
Collection, Charge Off, and Repossessions
Late Payments
$50 Per Account (payment history changed) Per Credit Bureau
Did you know your credit score depends heavily on weather you pay your bills on time? It's true - payment history makes up a whopping 35% of your score. so even one late payment could knock you down 50-100 points withe each credit bureau. Ouch ! We get it - life happens. There are so many reasons your payment might be late that are out of your control. But here's the good news: Some of those late payments might not legally be allowed to stay on your credit report. Credit reporting is governed by laws like the Fair Credit Act, which protects you.
Collection, Charge Off, and Repossessions
$50 per Collection, Charge off, & Repossession: Per Credit Bureau
Our credit repair specialists and processors are specially trained to identify the accurate and inaccurate reporting of information on our client’s credit report. As discussed previously, we utilize consumer protection laws to contest inaccurate or unauthorized information on your credit reports. We do not advise refusing to pay legitimate debts. However, it is prudent to validate debts before making payment, as errors do occur. While an account may be yours, that does not necessarily mean it is lawfully listed on your credit report. You may be surprised how often credit reports contain illegal or unauthorized entries that damage credit scores. For instance, medical bills are prohibited from being included in consumer credit reports under most circumstances. By exercising your consumer rights, you can ensure your credit report. Let us know if you have any other questions !
Public Records ( Including EVICTIONS ): Bankruptcy, Foreclosure, Tax Lien, Child Support, & Judgments.: Per Credit Bureau/3rd Party Report
$125 per Public Record, Child Support, & Evictions per Credit Bureau
Financial setbacks like bankruptcies, tax liens, evictions, child support arrears, and civil judgements can severely damage your credit score. While these legal processes may seem intimidating, inaccuracies in how they are reported on your credit report may provide an opportunity. Our credit repair specialist are trained to scrutinize credit reports for illegal reporting of such items.Where we find errors, we can leverage consumer protection laws like the Fair Credit Reporting Act and Fair Debt collection Practices Act to achieve permanent deletion of the harmful items from your credit file. with our expertise, you can transform credit damaged past financial struggles into a score reflective of your current fiscal responsibility. Let us know if you have any other questions !
CASE STUDY
Discover Our Credit Repair and Restoration Works
Business Analytics
Business
Strength Solutions
Investment
Business Planning
Consultant
WHY CHOOSE US
Benefits of Better Credit Score and Restoration
Approval for Higher Limits
Enhances Financial Flexibility: A higher credit limit can provide a financial safety net during emergencies or when you need to make significant purchases, giving you peace of mind.
Qualify for Better Options
Building a Positive Credit History: Utilizing better credit options responsibly helps you build a positive credit history. Which can further improve your credit score over time and open doors to even more favorable financial opportunities in the future
More Negotiating Power
Higher Approval Odds: With improved credit, you're more likely to be approved for credit cards, loans, mortgages, giving you access to the financial products you need.
Office: mon-sat 9am-6pm
mon-sat 9am-6pm
Call +1 866-994-2828
Email: info@enchantingcreditbuilder.com
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