National Asso of Credit Services Organizations

Credit Repair Plans

Attorney assisted credit repair.

We have a close working relationship with an attorney who sues companies under the Fair Credit Reporting Act and Fair Debt Collection Practices Act (and other consumer laws).  So if we run into a roadblock where a company refuses to follow the law, we can connect you with the attorney to sue for money damages.  Don’t worry, there is no out of pocket cost for you.

Kirkpatrick and Associates -The Ultimate Credit Repair

This plan is the quickest service that we have. We accept a limited amount of clients for this plan because of the time invested to get your credit reports turned around and on the right track for a home loan.

The Ultimate Credit Repair

The plan below works very well, but because all accounts are not worked on, at the same time, this plan does take longer.  The average would be 6 months to more than a year, depending on how many accounts are to be worked on.

Pay for what you get deleted or improved

This plan includes credit monitoring service at no additional cost.

This plan has minimum payments each month of $800 or less, providing that your balance is less.  It is a PAY-PER-DELETE plan.  You only owe once something is deleted or improved.  

I only accept a limited amount of clients for this plan because I personally work with each client and it’s a very time-consuming workload.  

This plan works best for those… that need credit repair finished as quickly as possible.  This is usually the case when someone is trying to purchase a home.

What's the difference in this pay-per-delete and the same plan listed below?  We work on all accounts from the very first letter.  Because our letters to the creditors and debt collectors are custom for each client it takes a much time to get through the process. We look for information on the credit reports that need correcting.  When the original or debt collector doesn't fix the issues, then we let you know that there may be grounds for legal action.  Repairing credit this way is legal and ethical and a great way to ensure  that your reports are reporting correct information in order for you to have the best possible scores.  It also is essential that if you pay a charge-off or collection, that you have assurance that the amount that you pay is correct and that you are paying the collection company that has been authorized to collect from you.  
Why is there a monthly charge as well as a Pay-Per-Delete cost?  Great question.  We mail letters each month certified with online tracking.  These letters are detailed and usually several pages. The monthly charge is to cover our monthly expenses for your account. 
Our processes are to document everything that is done so if the original creditor, debt collection company or the credit reporting agency, Equifax, Experian and/or Transunion doesn't report the information, on a particular account, accurately then we have all the documentation to provide to an attorney in order to take legal action. 
This is a lot of money and I just don't have a budget for this cost. What is the difference in your service and other credit repair companies?  Great question!  We provide credit repair from a legal aspect. We scrutinize your credit report from the first Credit Audit identifying any information reporting that is inaccurate, outdated, not provided, not inaccurate but not reporting correctly as well as not your account. Once we have performed the necessary actions to correct the information and it has not been reported correctly, then legal action may be the next step.  Being that we aren't attorneys, we don't provide legal advice and thus only depend on an attorney to make the final decision.  There is no out-of-pocket cost for you to use an attorney. 
If your budget is better suited for the plans listed below, you will still be in good hands, but the process may take longer depending on how many accounts that will need to be worked on.

Q: What is the difference in Kirkpatrick & Associates, LLC  (aka K&A) and ReScore Solutions?

A: K&A scrutinizes your credit reports for information that is in violation of the Fair Credit Reporting Act.  Every 30’ish days the credit reports are reviewed for updates, corrections and deletions.  After the very first round of letters and after the credit reporting agencies update, we review again for any violation(s) that may exist.  When we find errors that violate the Fair Credit Reporting Act, we then send supporting documents to be reviewed by our attorney.  (with your permission) Attorney will review and file legal action as needed.  

What does that mean for you?  This can mean money damages for you as well as possibly deleting the account from your reports. There is no out of pocket cost for you.

Q: Why is the cost so much more than ReScore Solutions?

A:  There is more expense and time involved with K&A services.  Much legal knowledge is invested in each client’s credit repair as well as assisting each client when legal action is taken in order to correct the violation as well as suing for money damages.  

Every month credit reports are reviewed in detail and custom letters are drafted for corrections or deletions.  Letters are mailed to the credit reporting agencies via certified mail.  This service usually is finished in a few months instead of 9 months or longer.  

Although this service cost much more, we are usually able to get much more work done and faster turnaround for you, the client.  Basically, we find violations, give the credit reporting agencies, original creditor and debt collectors an opportunity to repair or delete, and if this is not done then legal action may be taken.  

Turn-around time can be as little as 2 months, but no guarantees are made on time-frame.

ReScore Solutions still provides great service, but progress is updated via online credit monitoring with 3rd party credit reports, Smart Credit.  Credit reports are still reviewed for certain violations and letters drafted accordingly.  

Letters are not mailed using certified mail services to the credit reporting agencies.  When certified mail services are needed, such as to debt collection companies, the client will be charged $25 per mailing.  

With ReScore Solutions, the average turnaround time is 6 months to 1 year, although we do not guarantee any particular time-frame.