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We can fix it for you

Excellent Credit Starts HERE

We can fix it for you

Excellent Credit Starts HERE

About the Owner

I started Credit by Ashley, LLC to educate people on credit without taking advantage of them financially. There are so many companies that put money over people and it makes it difficult for those who aren't financially inclined to raise themselves from out of poverty, or start over after a financial mishap. I want people to understand that they don't have to be a victim of bad credit and if they don't have the time to learn the legal terms and restrictions I also offer plans to fit their situation so its both hands off and packed with quick results. Why shouldn't you have the life you want just because you are in a temporary financial rut? I can help you get your credit in the position to buy your house in 7-8 months on average. Many of my clients are ready sooner than that. (Results do vary based on consumer reports)

Why Credit Restoration?

Your credit score comes from your credit report; it is your spending and repayment report card. Credit reports often aren’t correct, and incorrect information can actually hurt your score and keep it low. Restoring your credit is necessary to a financially manageable life and not living paycheck to paycheck. I am a one woman show and I make absolute sure that your credit report contains correct information so you’ll have the highest score possible. Low credit scores mean higher interest rates, so you have to ask yourself, do you REALLY want to spend more than you HAVE to?

How It Works

---For Credit Restoration Clients ONLY---

My service includes; your private assessment of accounts, a mandatory minimum 5 month- dispute window to erase negative accounts, a monthly plan of action for trade-line recommendations to increase your score, how to effectively manage your credit cards for best results and review of results. No matter your goal, you've made the right decision and took action to no longer be a victim to bad credit. FREE CREDIT MONITORING WITH EVERY ENROLLMENT!!!

--For Financial Management Clients--

This is an as needed service to discuss your finances and assist with your spending plan personalized to your very own budget.

Why Us?

Transparency is my biggest focus in this industry. I have no intention in leading on clients that I know that I am not able to help therefore, I am not interested in taking money when I know that I can't get results. I want to make sure that you understand the full process. I aim at making sure you are satisfied with the end result.

Credit restoration isn't an overnight process but it is a process nonetheless. I am board certified to repair credit and enhance the value of your consumer report. I have learned the compliance of credit reporting to ensure that I can get the best results in the fastest possible way! Reaching your goals, is the only goal!

Metro 2 Compliance

Metro 2 is the standard format for which financial institutions must electronically send data about their loan customers electronically to the major credit reporting agencies (CRAs).

Access to the Metro 2® Format is limited to employees of (a) companies that furnish data to consumer reporting agencies in the Metro 2® Format, (b) data processors who furnish data to consumer reporting agencies in the Metro 2® Format, (c) software vendors who provide Metro 2® programming software, and (d) consumer reporting agencies that accept or transmit data in the Metro 2® Format.

What is E-Oscar?

e-OSCAR is a web-based, Metro2 compliant, automated system that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send “out-of-cycle” credit history updates to CRAs.

What is Factual Based Disputing?

Factual Based Disputes are very distinct methods used by some companies to rid your consumer report of errors by using legal reporting standards. This process works almost half as fast as traditional credit repair because you are reviewing how the accounts are being reported compared to the other bureaus where the information is found. Nearly 80 percent of all credit reports in the US have inaccuracies that need to be modified or removed. And because of the variations, only one can correct. Since the accounts are supposed to be validated thoroughly before being added to your report, it is hard for the reporting bureau to refute evidence in error reporting, making it easier for you to remove items faster.

We can fix it for you

We can fix it for you

Never Give Up

Stay focused

Client Reviews

About the Owner

Why Credit Restoration?

How It Works

Why Us?

Metro 2 Compliance

What is E-Oscar?

What is Factual Based Disputing?

Find Us Online

Subscribe

Our Partners

We can fix it for you

We can fix it for you

Never Give Up

Stay focused

Client Reviews

About the Owner

Why Credit Restoration?

How It Works

Why Us?

Metro 2 Compliance

What is E-Oscar?

What is Factual Based Disputing?

Find Us Online

Subscribe

Our Partners

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