• Remove Late Payments

  • Late payments lower you FICO score. Each late payment removal will increase your score and improve your payment history
• Remove Collections Accounts
  • Unlike a simple late payment, collections accounts have a significantly higher negative impact on your FICO score. Removing this type of account could raise your score by up to 50 points immediately.
• Remove Bankruptcy Accounts
  • Bankruptcy accounts have the heaviest impact on your FICO score. This type of account could prevent you from being approved for the simplest loans. Once this account gets removed you can expect a drastic point increase as well as the ability to be approved for loans that were out of reach in the past.
• Remove Charge-off Accounts
  • Much like a collections account, this type of account has a significant impact on your FICO score. Removing this account will yield results similar to that of a removal of a collections account.
• Remove Judgements
  • Judgements weight against your FICO score depends on the amount of the judgement. However, similarly to a bankruptcy account, they could drastically reduce the likely hood of being approved for any loan. Removing this account will not only raise your score, but also, make your credit history look significantly better than before.
• Correct All Addresses
  • Address errors are not always significant to your credit report, however, having this information corrected will only better your chances at getting approved for loans. Most importantly in this field, if you have longevity at one address, this shows stability and improves your credit report appearance.
• Correct All Errors/Mistakes
  • A final review will be conducted on your credit report to make sure that after all of the above services have been performed, the remaining accounts are indeed your and correct.
• Affects Equifax/Experian/Trans Union
  • This service affects all three credit reporting agencies and removes inconsistencies in you scores. Ultimately your scores should not vary by a significant FICO score number.

Credit Enhancement

In some cases, credit repair is not enough to get your credit score where you would like it to be. VG Consulting provides credit enhancement services.

We provide authorized user accounts, secured credit cards, and credit consolidation services.

These additional services are for clients who are left with the question "now how do I get even higher credit and how do I keep it high?"

Our team of talented credit repair specialists is not only happy to give your a plethora of free advice, we even recommend that you do not leave our program before getting this advice.

Keys to getting and keeping a good credit profile and a high FICO score:

• Make payments on time

• Do not have too many revolving accounts (usually a person should have no more than 4 credit cards and no more than 2 installment accounts).

• Keep your debt to available credit level at 30% or less if possible.

Example of debt to credit available:

If you have $10,000 in available credit and you have $5,000 in debt, then your debt to available credit percentage is %50.

What you want to have is $10,000 of available credit and no more than $3,000 in debt. This is %30.

• Ideally never do debt consolidation, it will not help your credit score and many of the companies out there actually do more harm than good.

For more questions contact our offices and we will be happy to answer all of your questions: 888 - 446 - 2247.

You may also schedule an appointment with one of our Los Angeles Credit Repair specialists to discuss options for your credit repair.

• Remove Inquiries

  • Inquiries affect your score by up to 5 points each.
  • Removing them from you credit report could significantly raise your score depending on how many of them you have.
• Remove from 3 CRAs
  • We remove inquiries from Trans Union, Equifax and Experian.
• Hard vs. Soft Inquiries
  • We remove only hard inquiries as they are the only ones that actually affect your FICO score.
  • A hard inquiry may occur when you apply for a significant credit account.
    • Mortgage
    • Car Loan
    • Credit car
    • Line of Credit