Credit Restoration

CREDIT RESTORATION

Experience great credit & Opulence

Let’s Get Started Today:

Mortgage Approvals

Lower Interest Rates

Credit Card Approvals

New Careers

YOUR CREDIT SCORE MATTERS

Are You Ready to Experience Opulence?

Are you ready to take back control of your Life? If Yes, then follow our process to starting
The Opulent Lifestyle you deserve!

The Process

Free Consultation

Free Consultation: We are dedicated to helping you understand your credit profile, how it impacts you Today and in the future. We want you to be informed to make smart, informed decisions about your financial future. The Free Consultation is one of the many ways we prove that here at The Opulent Financial Experience, LLC. Our goal is to give you enough information to make an informed decision about how our process will work for your situation.

Complete Onboarding: After our call we will send you an email to complete your New Client Onboarding.

Step One: Client Onboarding

Complete Onboarding: After our call we will send you an email to complete your New Client Onboarding.

Your onboarding requirements are listed below:
1. Complete your personal information
2. Review and sign our Client Agreement
3. Enter your payment information (credit card or ACH debit accepted)
4. Sign-up to receive your credit report from the three bureaus, which also includes monthly credit monitoring. It is a $27.99 per month investment that is well worth it. You MUST keep it active the entire time we are repairing your credit. click here
5. You will enter your login information into your portal, which will allow us to access your credit reports from each bureau.
6. Take a picture and upload a copy of your DL or ID
7. Take a picture and upload proof of address, such as utility bill

Credit Repair Audit: We will access your credit reports using the login information you enter and create a full-comprehensive analysis of your credit profile. The analysis will include an overview of your positive accounts as well as any inaccurate information, faulty items or accounts that are negatively affecting your credit score. We will send you a copy of your Credit Report Audit. You must respond: “I received my Credit Analysis. Thank you. Please charge my card/debit my account and proceed with the process.” Pay Enrollment & Audit Fee: After we receive your response email, we will bill you, using the account you authorized.

Step Two: Round One

Access To Clients Portal: We will give you access to your client portal This will be the primary place where you will see any updates to your file, including when we send out letters to the bureaus. You will also be able to send and receive email communication to The Opulent Financial Team from your portal.

Create Dispute Strategy: Every customer’s situation is different. We build a customized credit report disputing strategy to help you reach your goals within the shortest amount of time.

Start Disputing: Our team will create and send the most appropriate correspondence to dispute all inaccurate items in question from the beginning to give you the best results in the shortest time period. When we mail your information to the bureaus, we will send the proof of your identity and the proof of your address you uploaded.

1. REFRAIN FROM UPDATING YOUR CREDIT REPORT (Please do not refresh your credit report through your monthly credit monitoring service. Doing so will affect our ability to accurately dispute. We will tell you when it’s okay to refresh your report.)
2. Sign into your client portal and see how many of the items are being disputed, and how many letters have been sent.
3. Keep an eye out for responses/mail from the credit bureaus.
4. Upload response letters and verification from the credit bureaus into your client portal. This is CRITICAL to keep the repair process moving.
5. Stay current on all your payments (loans, credit cards, etc.) that are reporting to the bureaus, and the ones that are not reporting to the bureaus. The focus is on creating positive credit score building habits.
6. Do not close/discard accounts that will result in delinquencies or new collections.

Contact our team to discuss your progress and celebrate victories!

Step Three: Ongoing Process

Credit Education: We will periodically send you emails with credit education information, credit building strategies, and other education that can enhance your financial life.

Rejoice in Results: We can’t guarantee your results, but you should start seeing the best results within 90 days of signing up for our service.

Monthly Follow-Ups: We set a reminder to check your dispute results every 35 days to remind our processing team when your next update is due. At that time, we will re-access your monthly credit reporting service and refresh your credit reports to see any changes that have been made.

We encourage you to schedule your quick credit report update to coincide with your follow-up date, if you want to speak with our team about your new credit report updates. During this one- on-one call, you can speak with our team to ask any particular questions you may have about the status of your accounts.

These calls only take place after we’ve updated your credit reports. We will send you send you an email with a direct link to schedule a call on

Keep Disputing: If inaccurately reporting information or negative accounts remain, we continue to escalate our disputing strategy to make sure the bureaus are adhering to your consumer rights. We will update accounts with the most accurate information. Then we will create and send additional disputes based on the responses received from the bureaus.

Our Promise: Our top priority is to assist you with increasing your credit score and rebuilding your credit. Our team is here to help you with any questions, or issues that may arise. The same way we want to know when you get a deletion, an update from a credit bureau, or communication from a creditor, we want to know ways we can improve our service and processes to best serve you. Please send us emails with both positive and growth-focused feedback.

The Opulent Financial Experience has the best Perks for our clients. By Signing up for our Credit Restoration services you will receive the following:

• Free Credit Consultation
• Free Credit Building Solutions
• Free In-Depth Credit Analysis
• No Hidden Fees
• Unlimited Disputes
• Results generally within 30-45 Days
• 24/7 Customer Support Service
• Monthly Updates

Bonus: Attorney review of FCRA violations and FDCPA violations at no additional cost to you.

Investments