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Tired of living with Bad Credit?​

We can help!

SCHEDULE A FREE CONSULTATION TODAY!!

                                                                                                    Hours of Operation CST:
                     

                                                  Tues -  10a to 3p            Wed - 10pa to 3p          Thurs  - 5p to 9p         Fri - 12p to 5p


                                                                                


               
                                          
                                                                                            
                                                                                           
                                                                                          
                                                                                            
                                                                        


NO UPFRONT FEES

What this means is that we DO NOT charge in advance for our service and that's per the Credit Reporting Organizations Act. You Pay AFTER a deletion or repair has been made to your credit file. Nothing Deleted, Nothing Paid. It's that simple! Invoices are sent AFTER an audit has been delivered to the client & AFTER an item has been successfully repaired or deleted. A repair is defined as an item in negative status being changed to positive status. An item is not considered repaired unless ALL negative information is removed from the reporting of the item. Fees are generated on a per-item-deletion schedule. The deletion of any item, account or public record from any bureau counts as one (1) deletion. A deletion from all three credit bureaus counts as three (3) deletions. Clients can remit their invoices in full or pay off the balance in monthly installments of $150 for Individuals or $200 for Couples until a zero balance is reached. There is no interest charged for choosing the monthly installment option. 

INDIVIDUAL
AUDIT FEE

 $200.00
Plus Pay Per Delete Fees (see below)

24/7 CLIENT PORTAL ACCESS
UNLIMITED ROUNDS OF DISPUTES
AUDIT REVIEW

MONTHLY FILE REVIEW



WE DONT CHARGE UNTIL AFTER WE COMPLETE EACH SERVICE

 COUPLES
AUDIT FEE

 $300.00
​Plus Pay Per Delete Fees (see below)

​24/7 CLIENT PORTAL ACCESS
UNLIMITED ROUNDS OF DISPUTES
AUDIT REVIEW

MONTHLY FILE REVIEW



​​WE DONT CHARGE UNTIL AFTER WE COMPLETE EACH SERVICE

ENROLL NOW!
ENROLL NOW!

                                        Fees Per Deletion Per Bureau​​​​​​​


$10 - Personal Info (Incorrect Name, DOB, Address, SSN or Employer)
$20 - Inquiries
$50 - Collections
$25 - Late Payments
$50 - Charge Offs 
$125 - Public Records (Bankruptcy, Tax Lien or Judgement)   


                            *I.C.A. reserves the right to change prices at any time.         ​
                                                              

?WHAT IS AN AUDIT

Your audit is a comprehensive analysis of your credit profile, broken down into easy to understand, actionable segments. After reading your audit, you will understand all aspects of your credit profile, and you will also know how we are going to work together to increase your credit score. Your audit will include a complete description of EACH item on your credit report, both positive and negative, along with actions steps that you should take to improve your credit profile and credit scores.

ADD ON SERVICES

We strongly suggest adding some services on at times into your credit repair process. One being speed of the mailings and the other being CMRR (Certified Mail Return Receipt.) By using CMRR we are able to track the items upon the bureaus, creditors, or collection agencies accepting the letters that we are sending. In doing so, they know how serious this is and it increases our effectiveness tremendously. It also gives us a proper paper trail if they violate any of the laws and allows us to leverage the information further in the event that we are able to seek a settlement on your behalf. All these services are priced below and we keep up with all the tracking and information needed as we go through the process. 

*Priority Mail on ALL your letters to be mailed (2-3 business days) $5.95 per package. Standard First Class Mail is included in your Audit fee, but is 5-7 business days on average delivery according the USPS. 

*Certified cost per letter is $3.35 per letter. This is STRONGLY suggested on ANY communication with the Credit Bureaus directly. 

*CMRR cost per letter is $4.80 per letter. This is STRONGLY suggested on ANY original creditor, collection agency, or Round2 and further CRA letters that we mail.

*All the above billing is BILLED the day we prepare your letters and is due immediately upon receipt
This is just an extra service that we provide that will streamline your process and helps us work much more efficient to achieve better results for our clients. It is in NO WAY forced, just strongly recommended.