Is credit repair real?

Contrary to what the credit bureaus would like you to believe, credit repair does work and can work for 100% of people in most circumstances. This is, of course, provided you are getting the best advice and have an experienced professional working on your case.

Any one with a credit score below 720 can benefit long-term from the advice and information provided through credit repair; however, there are times when your own limitations make adhering to this advice impossible.

The two limiting factors are: (1) your financial situation and (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items, if the creditor does not adhere to the law that outlines what needs to be done and by when.

What can you do that I cannot?

Nothing. We act as your representative due to our knowledge of credit scoring and our experience working with your creditors and the credit bureaus.

What is your warranty?

If we cannot remove at least 25 percent of the negative credit items from your credit reports within twelve months, we will refund 100 percent of your money. In order for the warranty to apply, you must have at least four negatives on the credit report at the time of sign-up, and may not have used a credit repair agency nor attempted to repair his or her credit in the past two years. Unpaid collections and unpaid charge-offs do not qualify for the warranty and are not included. Client must send in updated credit reports from all three credit bureaus within 5 days of receiving them. Updated reports should be received by the client every 15 to 45 days.

How long will it take to raise my score?

93 percent of our clients see FICO score increases in the first 35 days. The average FICO score increase is 60-100 points within 6 months.

Why are your results different?

There are two sides to the credit scoring battle. Sometimes your creditors and the bureaus have done absolutely everything right and we have no case against them. On average, we are able to remove 60 to 70 percent of negative items from a credit report.

Will the removed items come back?

No, as long as the item is current or paid at the time of removal or the collection is older than three years. This holds true except in very rare circumstances.

What items can you remove?

Bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, student loans and identity theft.

What items can you not remove?

None.

How can Nizin Corporation help your business?

First: Your revenue will increase. Since the credit score will no longer be an obstacle, you will be able to close more loans.

Second: You will be able to refinance current clients who were approved with less-than-perfect credit, because the higher credit score will put them in a different rating bracket. They will now qualify for a better program, which will allow you to show them substantial savings on paper.

Third: You will be creating goodwill with your clients by being the person who helped them better their lives. This, in turn, will mean more referrals from them.

Fourth: We will keep in touch with you via email to monitor the progress on your client's files. This will enable you to take an active interest in the lives of your clients and position yourself as a true trusted advisor.

Fifth: The mere fact that you will be receiving these emails about your clients will prevent you from forgetting about them and give you the opportunity to follow up if you so choose. Moreover, you will have something to talk about with each client, since both of you will have the same status updates.

How long does it take to increase a credit score?

The amount of time needed is different in every circumstance. Although results can be seen within 30-45 days, to be the most effective, we recommend a twelve (12) month service period. On average, we remove 60 to 70 percent of negative items with a subsequent FICO score increase of 60-100 points.

What is your money back guarantee?

If we cannot remove at least 25 percent of the negative credit items from your credit reports within twelve months, we will refund 100 percent of your money. There must be four negatives on the report when the client agreement is signed for the warranty to apply and neither the borrower, nor a credit repair company acting on their behalf, may have made attempts at credit repair. Also, unpaid collections and charge-offs do not qualify for the warranty.

Will you get 100 percent of negative items removed?

Our company has been successful 100 percent numerous times. We average between a 60 and 70 percent success rate at removing negative items from the credit report.

Why do the results differ?

Nizin Corporation uses consumer protection laws to the fullest extent on your borrowers behalf. Sometimes credit bureaus, creditors and collection agencies provide what the law requires, sometimes they do not. Our company is completely thorough every time in enforcing your rights, but credit bureaus, collection agencies and creditors are inconsistent, causing results to vary.

How much will you increase the credit score?

Our average(mean) is 60 - 100 points within 6 months, although we have been successful as 200 points. Although derogatory items on the credit report are a factor, there are many other factors in formulating a credit score. Even if we remove all negative items from a report, a credit score may only increase 40 points due to other factors affecting the score, such as: length of credit history, credit mixture, outstanding balances and number of inquiries.

What items can you remove from a report?

Bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, identity theft and student loans.

what can you not remove

Nothing.

Will the removed items ever come back?

No, as long as the item is current or paid at the time of removal or the collection is older than three years. This holds true except in very rare circumstances.

What risks will my borrower be taking?

None. The worst we can do is improve the credit and not fulfill our warranty, in which case your borrower will receive a full refund. The best we can do is substantially improve your borrowers credit score and potentially save them hundreds of thousands of dollars in interest.

What risks will I be taking?

None. You are leaving your clients in the hands of a company that will treat them professionally and courteously. Best case scenario, you will give your client a loan they never thought possible. Worst case scenario, your client gets there money back with an increased knowledge of how the FICO score works and what they can do in the future to raise their score.

How do I refer business to Nizin Corporation?

First, call the client and ask if you may fax his or her credit report in order to get a free credit evaluation by one of our staff.

Then, fax the credit report to us at 714.441.9633.

Your rep will then call your client to discuss the situation (or, if you specify, call you first) and contact you to discuss the results of our free consultation.

What risks will I be taking?

None. You are leaving your clients in the hands of a company that will treat them professionally and courteously. Best case scenario, you will give your client a loan they never thought possible. Worst case scenario, your client gets there money back with an increased knowledge of how the FICO score works and what they can do in the future to raise their score.