911 Credit Builder Services

At 911 Credit Builder, we specialize in helping individuals take control of their financial futures by improving and restoring their credit scores. Our comprehensive credit repair services are designed to address the unique challenges each client faces, from late payments and collections to judgments and bankruptcies.

Here are the key features and benefits of working with us:

Key Features:

• Personalized Credit Repair Plans: We analyze your credit report and develop a custom plan tailored to your needs, focusing on areas that will most improve your credit score.

• Dispute and Removal of Negative Items: We actively work to dispute inaccurate or outdated information on your credit report, such as late payments, collections, and charge-offs.

• Credit Score Monitoring: Stay updated with real-time alerts and regular credit score reports to track progress and adjustments.

• Debt Negotiation Support: We guide you through negotiations with creditors, aiming to reduce outstanding debt or settle accounts for less than what you owe.

• Educational Resources: We provide valuable knowledge and tools to help you understand how credit works and how to maintain a healthy credit score long-term.

Benefits for Clients:

• Improved Credit Score: With our expertise, many clients see a significant boost in their credit scores, which can lead to better loan terms, lower interest rates, and greater financial flexibility.

• Faster Debt Resolution: We assist in removing negative items that may be hindering your credit and help you resolve outstanding debts.

• Financial Freedom: Whether you’re preparing for a major purchase, improving your financial health, or working towards debt relief, we help you achieve your goals faster.

• Stress-Free Support: Our dedicated team is here to guide and support you every step of the way, ensuring a smooth and hassle-free process.

What We Don’t Do: We do not offer debt consolidation services, which can sometimes worsen your credit situation, often more than filing for bankruptcy. Instead, we focus on rebuilding your credit and improving your financial outlook through actionable and effective strategies.

Start your journey to better credit today with 911 Credit Builder—where we put your financial future back on track.

Exactly What You Can Hire Us For and What We Do!

Overview of the services we offer, emphasizing key features.

2. Collections Accounts

Accounts that have been sent to collections due to non-payment, including medical bills, utility bills, or credit card debt. Each one of these are different to dispute.

3. Charge-Offs

Debt that a creditor has written off as a loss after a long period of non-payment, and the debtor is still liable to pay balances. Late payments stay on the account, until properly disputed.

Delinquent payments reported by creditors, such as missed or late payments on credit cards, loans, or mortgages all hurt your credit. These apply to all 30, 60, 90, 80, 120, 150, 180 day late payments. With or without balances.

4. Bankruptcies

Chapter 7, Chapter 11, or Chapter 13 bankruptcy filings, which can stay on a credit report for up to 10 years, depending on the type.

5. Foreclosures

A foreclosure where a lender takes possession of the property due to non-payment of the mortgage loan.

6. Repossessions

When an item purchased with credit (such as a car or appliances) is taken back by the lender due to non-payment.

1. Late Payments

7. Judgments

Court orders requiring a debtor to pay a creditor a certain amount. Judgments can be entered against someone for unpaid debts and remain on a credit report for up to 7 years.

8. Tax Liens

Government claims against property for unpaid federal or state taxes. These can be paid off or resolved, yet they may stay on a credit report for several years.

9. Settled Accounts

Accounts that were settled for less than the full amount owed. While settled accounts show the debt was resolved, they may still impact the credit score negatively.

10. Public Records

Other public records that may impact credit, such as divorce settlements or civil judgments that are tied to debt responsibility.

11. High Credit Utilization

A high ratio of debt to available credit on credit cards, which can lower the credit score, even when payments are made on time.

12. Hard Inquiries

When a credit report is pulled by a lender to evaluate creditworthiness, multiple hard inquiries within a short time can negatively affect the score.

13. Fraud/Identity Theft

Fraudulent accounts opened in the victim's name or erroneous information due to identity theft, which can harm a credit report.

14. Accounts in Default

Accounts where the debtor has not made any payments and has defaulted on the terms of the loan or credit agreement.

15. Credit Limit Reductions

When a creditor reduces the credit limit, which can increase the credit utilization ratio and affect the credit score. Then it goes back to the High Utilization ratios.

16. Closed Accounts with Balances

Accounts that are closed and still carry a balance. These can be paid down or settled, yet they may continue to affect the credit score for many months.

17. Old or Inactive Accounts

Older accounts or those with long periods of inactivity. While they can be beneficial when they reflect good payment history, they can also pose problems should negative items be tied to them; like late payments, balances owed or defaults.

Credit Education Services

Empowering individuals through comprehensive credit education and personalized financial services for better scores.

At 911 Credit Builder, we know that knowledge is power when it comes to credit. Our Credit Education services are here to guide you in understanding the ins and outs of credit scores, responsible borrowing, and effective debt management.

Through personalized resources and support, we empower you to make informed decisions that strengthen your financial foundation. we’re committed to helping you turn your financial goals into reality.

Our Credit Repair services focus on raising your credit score and removing negative marks, guiding you step-by-step through proven strategies that lead to long-lasting results.

With our support, you’ll experience the relief of improved credit health, opening doors to better opportunities and financial peace of mind.

Whether you’re starting fresh or working to rebuild, our education offerings provide you with the confidence and insights to take control of your credit journey.

Personal Credit Coaching

Receive one-on-one, personalized guidance tailored to your unique financial situation. Our Personal Credit Coaching focuses on effective strategies to improve your credit score, address specific challenges, and strengthen your overall financial health. With expert support, you’ll gain the knowledge and tools needed to build a strong credit foundation and achieve your financial goals.

Gain a comprehensive view of your credit health with our in-depth Score Analysis Reports. Each report provides a detailed breakdown of your credit scores, pinpointing key areas for improvement and offering actionable insights to help you make meaningful progress toward a stronger financial profile.

Financial Workshops

Join our interactive workshops to gain essential knowledge in credit management and financial planning. These sessions are designed to empower you with practical strategies and insights to confidently manage your credit and plan for a secure financial future.

Score Analysis Reports

education

At 911 Credit Builder, we believe that understanding credit is a vital step in building a secure financial future. Our Credit Education services are designed to empower you with the knowledge and tools you need to make informed credit decisions. We’ll guide you through the essentials of credit scores, debt management, and responsible borrowing, helping you build and maintain a solid credit foundation. Whether you're just starting or working to rebuild your credit, our educational resources will give you the confidence to take control of your credit journey.

your success

At 911 Credit Builder, your success is our top priority. We are dedicated to helping you achieve the best possible results in building and improving your credit, no matter your past credit challenges. With our expertise, we can help you raise your credit scores and repair your credit, guiding you step-by-step toward financial confidence and freedom. Whether you’re looking to rebuild or strengthen your credit, we’re committed to making a positive impact on your financial future.

WELCOME TO 911 CREDIT BUILDER

911CreditBuilder uses aggressive strategies and conventional dispute methods to ensure maximum results in restoring your credit.

Our process is based on a knowledge of consumer laws and experiences with the 3 credit bureaus.

We take advantage of your rights as established by the Fair Credit Reporting Act (FCRA).

We want you know that you have the right to question any information on your credit reports that your feel may be questionable or inaccurate.

When a questionable item cannot be proved then it must be removed.

911CreditBuilder works in a 3 Step process that is extreme and geared at providing world class customer service and results.

”Credit repair services” means all actions taken by 911CreditBuilder, on behalf of Client, related to the removal of any errors, misrepresentations, outdated and/or unverifiable information from Client’s Credit Report(s), and/or any 911CreditBuilder’s attempt to remove the same, as permitted under Federal Law (15 U.S.C.S 1681 et seq.).

Analyze Credit Data Infrastructure

You might have the best credit or the worst credit! The best choices and the worst choices can effect your credit long term and short term. When credit is so important in this world, you can't afford to not have good credit. When you need help because you can't effectively organize your credit data, you could be missing out on some great financial opportunities. Our goal to help you understand your credit and implement new thoughts and actions about your credit then you have come to the right place!

4,000+

Happy Clients

All of our clients are happy clients who get results!

173,870

Response Letters Generated

We've worked with clients from all walks of life.

169

Ongoing Credit projects

We keep in touch with our clients and offer ongoing support.

To engineer the right program for you!

Credit Data Analytics

Effective credit data analysis helps you understand your credit! Our team helps you identify the credit problems and track your results based on your credit profile with the 3 major credit bureaus every 35 days. 911 Credit Builder helps you steer your life in the right direction.

05

Credit Data
Analysts

Our in-house credit data analysts have a hands-on approach to data.

475

Customers Credit Analyzed

Last year, we were able to help so many people that this year we are doubling it!

130k

Dollars Saved

We were able to save our clients over $330k last year.

Big credit data consulting

With big credit data consulting, your credit improves. It's a truly competitive edge to your day-to-day financial decisions. Our focus is on our services and offering our clients the education, technologies, tools and strategies they need. We will help you move into new decisions for improvement and wealth! 911CreditBuilder helps save you money and time. Life is effective, efficient, and extraordinary with good credit!

2

Owner Managers

Gene and Laura Davis are considered specialists in their field of personal credit building and restoration.

34

In-house tools available

All of our credit building, repair and consulting packages come with our in-house tools.

1,300

Consultations made

Last year, our team was able to help over 875 clients credit qualify for a home loan.

Credit Data Visualization

We will teach you how to read your tri-merge credit report from the bureaus.

You've got the data, and yet you still struggle to visualize or understand what it says? Is it correct when it shows you what your spending and charging behavior is like?

We've got your back!

Our in-house team ensure that all your credit data, no matter how complex, can be understood through a deeper understanding of what it all means. And that actually is GOOD news for you. And it will make sense to you at a glance.

05

CREDIT REPAIR designers

Our credit designers have an extensive background in credit data analysis.

340

Visualizations of Good CREDIT that gets home/car loan

From credit consulting to buying power and beyond!

169

Ongoing CREDIT projects

Credit data changes and updates every 35 days, and our team stands by your side when you need us.

We LOVE Happy Clients

John Kimpson

Thanks Gene and Laura for all that you did for me and my family! We finally got the home of our dreams!

Claudia Annapolis

We were patient for 9 months. It was worth it. You guys are the best!

Narina G.

Van Nuys, CA

I am thrilled to share my experience with 911 Credit Builder, a service that truly turned my financial situation around. After falling victim to identity theft and facing an overwhelming $33,180.00 in fraudulent charges, I was left feeling hopeless and devastated. Despite my attempts to rectify the situation on my own with the credit card company, I found myself hitting dead ends and watching helplessly as my credit scores plummeted.

Thankfully, a friend referred me to 911 Credit Builder, and it turned out to be the lifeline I desperately needed. From the moment I connected with Gene & Laura, I knew I was in capable hands. Despite the daunting task ahead, they reassured me that they would work tirelessly to rectify the situation and restore my credit.

Gene's unwavering confidence in the process gave me hope when I felt like giving up. Despite the challenges and the months of disputing, Gene and Laura remained steadfast in their commitment to helping me. Their dedication and expertise ultimately led to the removal of the fraudulent charges from my credit report.

Today, I am overjoyed to report that my credit scores have been restored to where they once were, hovering around an impressive 775. This transformation has not only relieved the financial burden I once carried. It has also opened doors for me to pursue my dreams without the constraints of poor credit.

I cannot express my gratitude enough to Gene, Laura, and the entire team at 911 Credit Builder. Their professionalism, diligence, and genuine care for their clients are unmatched. I wholeheartedly recommend their services to anyone in need of credit repair assistance.

We LOVE Our Featured Client

We’ve helped them.

Hear what they have to say about 911Creditbuilder

Predict the future by creating it

Here are Some Great Resources to Pass the Time and Ease Your Mind!

You didn’t come this far to stop.

So don't stop now!

Contact Us

Whether you have a request, a query, or want to work with us, use the form below to get in touch with our team.