Call: +1 913-733-2733

Address: 210 SW Market St, STE 121, Lee's Summit MO 64063

Expert Service. Expert Results.

Expert Financial.

Unlock Your Future with a Strong Credit Profile - We'll Help You Get There!

How It Works

Identifying the Problems

At Expert Financial, the first step to improving your credit is identifying the inaccuracies that are lowering your score. We achieve this through a comprehensive credit analysis. Once we pinpoint the issues, we'll provide you with the necessary information to take action, remove those inaccuracies, and ultimately enhance your credit score. We’ll support you throughout the entire process, ensuring you’re informed and guided at every stage. Our mission is solely focused on helping you restore and strengthen your credit rating

Challenging the Bureaus

Once we've identified all unverifiable, inaccurate, or misleading information, we input it into our system to start the challenging process of addressing these issues. We will dispute the information with the credit bureau, creditors, and collectors, sending out formal dispute letters to each party. This process typically takes 30 to 40 days as we await their responses and updates. At Expert Financial, we’re committed to guiding you through every step and working diligently to restore your credit from start to finish.

Analyzing the Updated Reports

Once we receive the updated reports from the credit bureaus, we carefully review them to confirm whether the inaccurate, unverifiable, or misleading information has been removed or corrected. If the issues remain unresolved, we will reach out to the reporting entities to inquire about why the information wasn't amended. If the report has been updated, we proceed to address the next item that requires dispute.

Weekly Education

Throughout the credit restoration process, Expert Financial will equip you with the knowledge and resources needed to improve your credit score. We'll provide guidance on what it takes to rebuild your credit effectively. Additionally, we offer products such as credit monitoring and credit builder accounts, which can support you in restoring and maintaining a healthy credit score.

WHY CHOOSE US

Our Services

Repair

The initial step to restoring your financial health is to remove any inaccuracies from your credit report. Under the law, every consumer has the right to dispute and challenge any information on their credit report that they believe is incorrect.

Rebuild

The next step in restoring your credit is to focus on rebuilding it as we work on removing inaccurate information. Simply removing negative items isn't enough; you also need to demonstrate to FICO and your creditors that you can consistently make your payments on time.

Raise Your Score

The third step in restoring your credit is to concentrate on boosting your credit score. A strong credit score is crucial for loan approval, as a low score can lead to denials or higher interest rates.

Client Testimonials

"Loved everything so far"

"Expert Financial was able to help me with all my needs! Well worth the time & investment."

- Satisfied Client

"My life changed forever"

"This team is LEGIT. After less than 60-days, my life changed forever - THANK YOU!"

- Satisfied Client

"Highly recommend this"

"Loved working with the team. I was kept in the loop the entire program. 1000% recommend."

- Satisfied Client

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Client Results

Frequently Asked Questions

Is Credit Repair Legal?

Yes, credit repair is legal and our credit repair services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

What is a Credit Score?

A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. Credit scores range from 300-850. The higher your score is, the more likely you are to get a loan. The lower your score is, the less likely you are to get a loan. If you have a low credit score and you do manage to get approved for credit then your interest rate will be much higher than someone who had a good credit score and borrowed money. Therefore, having a high credit score can save many thousands of dollars over the life of your mortgage, auto loan, or credit card.

What items can you remove & improve?

With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.

Why are results different?

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