Our customers pay for two things: The service and their credit reports.

The credit monitoring system we use to get your credit reports, charge a $1 (7 day) trial, then $19.99/month. We can't see your credit without this!

Our service is FREE to start, then every 30 days for the following:$100/month for an individual or $150/month for couples

Our average customer may use our services between 4-8 months, give or take. Everyone's situation is different and we can not control if the credit bureaus request more supporting documents. Credit reports change every month, therefore this is a month to month process and can easily take several attempts to work on your credit situation. It takes 30-45 days, just for the credit bureaus respond to process and respond to our work.

Nothing in life is a "quick fix", working on your credit is similar to working out in the gym-It takes time to make a better version of yourself! 

Our clients have the right to cancel our service anytime, even seconds after enrolling. There is no contract or fees owed when cancelling.  

The FCRA gives you the right to dispute anything on your credit report. The credit bureaus must investigate on these disputed items and remove them, if they are found not in compliance with the FCRA. https://files.consumerfinance.gov/f/documents/bcfp_consumer-rights-summary_2018-09.pdf

Debt Collection companies have laws and rules they must follow as well. Any debt collection company violating these rules could result in having their reporting removed from your credit report. https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text

Our online business help and educate consumers with their credit scores. Our main service is to help consumers (who may have bad credit), work to improve their credit scores, by challenging the negative information that is affecting them. We also help those with zero credit, by educating them and offering them products we recommend they apply for, to build credit history. 

If you have bad credit (negative accounts reporting): You need credit repair.

If you have zero credit (no credit history): You need to build credit. 

Credit repair is the process of disputing items that are affecting your credit scores. These negative items can be removed IF: They are reported inaccurately, reported incomplete, the account is unverified, no response to disputes or a violation within the FCRA or FDCPA. This happens quite often and many of our customers will see credit score increases, when these negative accounts are removed.

Taylor Elite Consulting follows all requirements in the Credit Repair Organizations Act (CROA). We do not charge upfront service fees, advertise fake promises, and our clients can cancel anytime. When we process a dispute, an item will only be deleted from a credit report if it is: Inaccurate, incomplete, unverified or no response given. If you are seeking for a "instant credit fix" or any other unrealistic scams, we are not the service for you and will not tolerate anything that could lead to a potential violation in the CROA.   https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act

Credit Karma nor the Experian app imports data from all three credit bureaus into our system, therefore we can not use those. As much as we wish you can use your free cell phone apps, it just won't work. However, if you already have a real credit monitoring membership with companies like SmartCredit, Credit Hero Score, IdentityIQ or PrivacyGuard, we can use that and you do not have to enroll into a new credit monitoring membership. We recommend Credit Hero Score, because it appears to be a bit cheaper.

Although TEC is not a Telemarketing company, we still follow the Telemarketing Sales Rule (TSR). We do not make "cold calls" or allow telephone marketing. During enrollment, our clients signs our agreement which gives us permission to review their credit reports and allows us to discuss their situation with them. https://www.ftc.gov/legal-library/browse/rules/telemarketing-sales-rule

Signing up is quick and only takes 5 minutes. You'll only need basic personal information and a copy of your driver's license, along with a document to prove your residency (utility bill, card statement, etc).

The card you put on file for our services, must be a real bank credit or debit card. Our billing system can not process pre-paid merchants, such as: Cashapp cards, Chime cards, etc. 

Every 30 days, your online portal will show your newest scores and updated account details. You'll also receive emails on the new work we're processing. Along with this, the credit bureaus will also mail you updates. Also, once enrolled, you'll also have our office support number, in case you decide to just call every 30 days to speak about your situation.