Our Process

H&I Credit Solutions - Helping you piece together your good credit!



Items We Challenge on Your Credit Report

Our Process

Step 1

H & I Credit Solutions begins by auditing & analyzing your report. Next, we will hold a consultation with you to discuss your credit and your rating. All the while, we are carefully assessing each credit  item, line by line, and determining the overall condition of your credit. We will then discuss each negative item on your report with you. This way, together, we can determine the proper plan of action to take, and educate you on how you can take action on your own.

Step 2

We begin the process of correcting and blasting away each inaccurate, incorrect, misleading, outdated, or unverifiable items on your report from each of the three credit bureaus. If advanced tactics are necessary to ensure derogatory items on your report are reporting accurately or not reporting at all, we will then execute that plan of action. We will go after the creditors directly to ensure negative items are removed from your report and that they will never return.

Step 3

We will set a game plan to build positive credit and protect the positive credit accounts you currently have. We have special relationships with various companies that specialize in building positive and valuable credit. This way we focus on quickly building positive credit as opposed to just providing you with a new credit line. Buying a “trade line” is unethical.

H & I Credit Solutions understands the needs of our clients and we are dedicated to delivering the highest possible level of customer satisfaction and support.

Step 4

You finally get to enjoy a new way of life and start enjoying the benefits of owning a powerful report.

Our Credit Correction Tactics

Unlimited Disputes – We will customize demand letters to muscle the credit reporting agencies
into correcting erroneous information.
Security Locking – We can assist you with a security lock on your report to protect your information from
being sold by the credit reporting agencies to third party companies.
Goodwill Interventions – We will create a powerful goodwill letter to your creditors in order to
remove late payments on your report.
Debt Validation – Using our creative form of debt validation we will plow through dead beat
debt collectors and demand them to obey the law.
Build Positive Credit – We have built partnerships that will assist in adding positive credit to your report. This method is extremely effective when boosting points fast. (We strongly recommend this option)

How you Can Help us Blast Away your Bad Credit

Mail – Open every piece of mail you get, the credit reporting agencies are getting very creative in
hiding their communication.
Correspondence – Send us all communication from the credit reporting agencies, collectors, and
original creditors as soon as you receive them, so we can counter attack. We accept hard copies or soft copies.
Bills – Continue to pay your bills on time every month, this is more important than most people think.
Credit Cards – We will go over a special method on how to boost your payment history.

Our Arsenal of Knowledge

FCRA – Fair Credit Reporting Act
FCBA – Fair Credit Billing Act
FDCPA – Fair Debt Collection Practices Act
FACTA – Fair and Accurate Credit Transactions Act
TILA – Truth in Lending Act
Credit CARD – Credit Card Act of 2009
MDRA – Medical Debt Relief Act
RESPA – Real Estate Settlement Procedures Act

Our Refund Policy

After the audit/analysis/consultation is complete we will collect our fee. We do not bill prior to the service we provide. We are so confident you will be satisfied with the results you will only be billed after services are provided. If we do not provide you with a service you will not be billed.

What would you do with good credit?
Call us now and we will get started on your file right away. In as little as 6 months your credit could be what others wish they had.