We Transform credit woes into High Credit Scores
By leveraging the power of AI, our clients see a 50-165 point increase on their credit score in just 1-6 months! We are confident we can achieve these results for you.
Section 609 (Right to Disclosure)
This section grants consumers the right to request and receive a full copy of their credit report from credit reporting agencies. By understanding what’s in your report, you can identify inaccurate or outdated information that may be impacting your credit score.
Section 611 (Right to Dispute)
Section 611 gives consumers the right to dispute inaccuracies or errors found in their credit reports. The credit bureaus must investigate disputes and correct any verified errors, ensuring your report reflects accurate information.
Section 623 (Responsibilities of Furnishers of Information)
This section outlines the obligations of creditors and lenders to provide accurate information to credit bureaus. If they report incorrect information, consumers can dispute it directly with them, and they are required to investigate and update inaccuracies.
Section 605 (Limitations on Reporting)
This section restricts the length of time that certain negative information can remain on your credit report. For example, most negative items such as late payments and collections are removed after seven years.
Revolving Credit
This allows the borrower to access a line of credit up to a certain limit as long as the account is open and payments are made on time. Credit cards are a common form of revolving credit.
Open Credit (Charge Accounts)
These are typically for specific purposes and places where the full balance must be paid at the end of each billing cycle. Utility bills and mobile phone service contracts often operate on this basis.
Business Credit
Business credit refers to the ability of a business to borrow money that it can use to purchase products or services based on the trust that payment will be made in the future. Unlike personal credit, which is linked to an individual's financial history, business credit is tied to a business entity. Establishing strong business credit can help a company secure better terms with suppliers, obtain lower interest rates on loans, increase loan and credit limits, and improve the overall image of the company in the eyes of lenders and potential partners.
Installment Credit
This involves loans that are repaid over time with a set number of scheduled payments. Mortgages and auto loans are examples of installment credit.
Secured and Unsecured Credit
Secured credit is backed by collateral, such as a house in a mortgage or a car in an auto loan, providing the lender with assurance that if the borrower defaults on the loan, there is something of value to claim. Unsecured credit does not involve collateral; credit card debt is a common form of unsecured credit.
Business APR Terms
Business credit can often secure better Annual Percentage Rate (APR) terms for loans and credit lines compared to personal credit for several reasons. These favorable conditions can significantly affect a company's cost of borrowing, influencing its financial health and growth potential. Here are some key points on how and why businesses with good credit can access better APR terms
How We Help Customers in Each Step of the Credit Repair Process:
Request Your Credit Report
(FCRA Section 609)
We assist you in obtaining your credit report and explain the information it contains, ensuring you have a complete view of your credit profile.
Identify Errors and Inaccuracies (FCRA Section 609)
Our team reviews your credit report thoroughly to identify any inaccuracies or outdated information that may be negatively impacting your score.
Dispute Inaccuracies with Credit Bureaus (FCRA Section 611)
We file disputes with the credit bureaus on your behalf, challenging any incorrect items and requesting thorough investigations.Verification of Disputed Items by Credit Bureaus (FCRA Section 611)
We monitor the dispute process to ensure credit bureaus complete their investigations and verify each disputed item as required.
Verify Creditor Accuracy (FCRA Section 623)
If a creditor has reported inaccurate information, we work directly with them to correct it, ensuring your report is accurate.
Removal of Aged Negative Items (FCRA Section 605)
We track the timelines for each negative item to ensure they are removed when they reach the seven-year limit, as required by law.Handle Debt Collectors (FDCPA Section 806 and Section 809)
We educate you on your rights when dealing with debt collectors, helping you request verification of debts and protecting you from unfair practices.
Expanding Possibilities For A Better Tomorrow
At Montx Credit, we understand that better credit opens up new possibilities. Our comprehensive credit repair services are designed to help you achieve financial freedom and stability. With our 100-day guarantee and innovative tools like the New Credit Tracker, we empower you to take control of your financial future. Experience the benefits of improved credit and unlock new opportunities that were once out of reach.
100-Day Guarantee: Confidence in our services is paramount, so we offer a 100-day guarantee to ensure satisfaction with the progress of your credit repair journey.
New Credit Tracker: Utilize our state-of-the-art tool that provides real-time updates and insights into your credit score improvements, helping you stay informed every step of the way.
Enhanced Financial Opportunities: Better credit can open the door to lower interest rates, higher loan approvals, and better terms on financing options.
Empowerment Through Education: We provide resources and guidance to help you understand your credit and manage it effectively, fostering long-term financial health.
Remove any of these and Increase your score by 30-60 Points
Hard Inquiry
Collections Debt Collectors
Late Payments
Repossessions
Bankruptcy
Identity Theft
We see results within the first 1 to 2 months in our program
Expanding Possibilities For A Better Tomorrow With Business Credit
Access to Better Financing Options
Lower Interest Rates and Better Terms: Businesses with strong credit histories typically qualify for loans and credit lines with lower interest rates and more favorable repayment terms. This can significantly reduce the cost of borrowing, making it easier for businesses to manage cash flow and finance expansion efforts or operational needs efficiently.
Higher Credit Limits: A solid business credit profile often leads to higher credit limits from lenders and suppliers. This increased borrowing capacity allows businesses to pursue larger projects, bulk inventory purchases, or invest in growth opportunities without straining their operational funds.
Separation of Personal and Business Finances
Risk Management: By building business credit, entrepreneurs can separate their personal finances from their business dealings. This separation is crucial for personal asset protection. If the business encounters financial difficulties, the owner's personal credit and assets are less likely to be at risk.
Professional Credibility: Establishing business credit enhances a company's credibility with lenders, suppliers, and potential partners. A strong business credit report signals to other businesses and financial institutions that your company is a reliable and low-risk entity with which to do business. This professional reputation can open doors to new partnerships, contracts, and business opportunities.
Book Your Free Credit Consultation and Get a
$10 Gift Card!
No Sign up Necessary
At Montx Financial, we’re committed to helping you achieve your financial goals. Right now, when you book a free credit consultation with us, we’re sweetening the deal with a special offer.
Here’s How It Works:
Schedule a Free Credit Consultation: Take the first step toward improving your credit by booking a free consultation with our experts.
Attend the Consultation: Show up for your scheduled consultation and get personalized advice on how to boost your credit score.
Receive a $10 Gift Card: As a thank-you for your time, you’ll receive a $10 gift card, perfect for treating yourself to your favorite coffee or snack.
It’s that simple! Not only will you gain valuable insights into improving your credit, but you’ll also enjoy a little something on us. Don’t miss out—schedule your free credit consultation today and claim your $10 gift card!
Chris, I just wanted to say thank you !!! Today I received this notification that a repo has been removed and so was the balance from my credit report it boosted my credit up 33 points Im very glad I went thru with the decision to fix my credit thru Montx!!! This is a blessing to my family and another step closer to be able to refinance our house for a lower rate. Thank you Chris!!! God Bless!!
Eric A.
Hi Chris 👋🏼I got the Property Manager position🙏🏽🎉 Thank you Jesus 🙌🏼I am thinking about getting the Amazon visa that you suggested but also a Costco credit card since I will probably be purchasing TV or furniture from there as well. what do you think? And is there any tricks to getting bigger credit line??Thanks in advance.
Marissa T.
Then Peter said unto them, Repent, and be baptized every one of you in the name of Jesus Christ for the remission of sins, and ye shall receive the gift of the Holy Ghost.
Acts 2:38
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