Imagine if all your real estate clients, Loan clients and Lease-Purchase clients were ON CreditTRAX?   $$$$$$$$$

Services Overview Page

Below is a Brief Overview of each of the services offered by Credit TRAX available through your Preferred or First Class Membership with FDI.  Credit TRAX is an exclusive benefit to FDI members ONLY and in order to participate or use any of the services listed below, you must be an active member of FDI.

Credit Restoration:This service is designed to correct or delete derogatory information contained on your credit reports with the 3 major credit reporting agencies (Trans Union, Experian, and CSC a.k.a. Equifax).  If you have information contained on your credit reports such as: Late Payments, Collections, Judgments, Tax Liens, Repossessions, Charge Offs, Foreclosures, or Bankruptcy Items that you believe may be inaccurate, misleading, outdated, obsolete or no longer able to be verified, Credit TRAX, with your authorization, can request that the creditors and credit reporting agencies investigate the validity, accuracy and/or ownership of these accounts.  If the accounts you have authorized us to dispute on your behalf are found to be inaccurate or unverifiable, they are required by law to be corrected or deleted from your credit history.  Each item deleted or corrected can potentially raise your credit scores, potentially saving you hundreds and even thousands of dollars in interest, down payments and insurance premiums.

Debt Settlement:  This service can help you settle BAD Unsecured Debts (Credit Cards, Personal Loans, Medical Collections) for an average of 25-65% of what you owe and allow you to pay your settlements over a 12, 24 or up to 36 month period of time, providing you with the ability to make affordable monthly payments that can fit into your budget and get rid of your Bad Unsecured Debts.  This service can also eliminate harassing creditor phone calls, help you to avoid Bankruptcy and potentially save you thousands of dollars in attorney fees, penalties, interest, late fees and even principle.  In order to qualify for the Credit TRAX Debt Settlement program, you must have at least $8,000 in unsecured debt.  Quick Note:  This program does not settle debts that are in good standing, debts on loans or lines of credit that are backed by collateral such as: real estate, automobiles or other forms of personal property or debts that you have already been sued over or have a judgment against you for.  This is the best, most affordable and proactive way to resolve your past debt problems, to avoid additional penalties or potential legal action.

Student Loan Refinancing: This program can help you refinance defaulted student loans with no credit check.  That’s right! As long as you can show that you have an income and/or the ability to repay, you can refinance your defaulted student loans and get a fresh start. This program will also allow you to refinance student loans that are in good standing and potentially lower your interest rate and monthly payments.  The Credit TRAX Student Loan Refinancing program has proven to be a great benefit to hundreds of FDI’s members and by participating in this program, it will allow you to have your defaulted student loans showing as paid off on your credit history and will report a new installment student loan to help you reestablish your credit and enhance your credit scores.  I would also like to say that if you have defaulted or good student loans that are guaranteed, you need to do something about them, Student Loans are debts that do not go away, they cannot be included in Bankruptcy and they will follow you to the day you die.  So if you need or would like to do something about your student loans, submit for a free student loan consultation today and let one our consultants see what they can do about helping you get a fresh start. 

Credit Rebuilding:  This program can assist you in establishing or reestablishing your credit history.  If you have no credit, this program can help you establish a revolving account that will help you develop a credit score.  If you have little or no good credit and you would like to reestablish a good pay history to enhance your credit scores, this service can help you accomplish that as well.  Based on testimonies provided by existing FDI members that have used this service, they have experienced credit score increases ranging from 5-40 points in as little as 60 days.

Identity Theft Correction Services:  By being an FDI member you have the security of knowing that you have a professional credit correction and consulting company in your corner to help you resolve any problems that may arise in the event you ever become a victim of Americas Fastest Growing Crime, (Identity Theft).  Millions of American consumers have already fallen victim to this crime and the numbers continue to grow.  USA Today recently had an article that said the average consumer who becomes a victim of identity theft spends as much as $1500 and up to 175 hours trying to resolve the problems that are caused by identity theft.  With Credit TRAX’s Identity theft correction program, we will help you alleviate any debts that are set up in your name fraudulenty, so that you are not held responsible for the repayment of those debts and we will also make sure that any information that is reported to your credit file as a result of identity theft is deleted so that it does not effect your credit score or your debt to income ratio.  You may have heard of companies that offer identity theft protection programs and charge anywhere from $9.95 to $49.95 per month to protect you from identity theft.  If you are an FDI Preferred or First Class Member you do not need these services, because our Identity Theft Correction program is included with your FDI membership as an absolutely FREE Benefit, just like all of the other services listed above, excluding the Credit TRAX Debt Settlement Program.

Frequently Asked Questions

Credit Restoration Q&A

Who can the CreditTRAX Credit Restoration program help?
The CreditTRAX Credit Restoration Program can help anyone looking for or needing third party assistance in attempting to resolve their current or past credit problems.  No matter what your current or past credit situation is, there is always something that can be done to improve it.  Unless of course you have perfect credit, which according to recent studies would include less than 5% of our population.  The CreditTRAX Credit Restoration program is one of multiple services provided by CreditTRAX to help you improve your overall credit history and/or credit scores.  As part of the credit restoration process, we may employ or recommend use of these additional services to assist you in maximizing your credit potential.

Is Credit Restoration Legal?
YES! It is legal. In fact, it is the best way to exercise your rights under the Federal Fair Credit Reporting Act and the Fair and Accurate Credit Reporting Act.  These laws were put into place to protect consumers from the intrusion of the credit bureaus into our lives. They also provide each of us with a checks and balance system, giving us the right to question the validity, accuracy and ownership of the information being reported about us and sold to others.  Insuring that only information that is 100% accurate and verifiable is being provided to potential lenders, employers, and insurance agencies, so that we are not being unnecessarily overcharged for lending or insurance premiums or denied employment due to erroneous credit reporting.

Can information really be corrected or deleted from my credit reports?
Absolutely! If it is not 100% accurate, if it is misleading, outdated, obsolete, or can no longer be verified, by federal law it must be updated or removed.

Are credit bureaus a government agency?
Absolutely NOT! They are simply privately owned companies that make money by selling our information to anyone who will buy it.

Is there anything that CreditTRAX can do that I can't do myself?
CreditTRAX is simply a service. There is nothing we do that you can't do all by yourself. However, most people do not have the time, patience, or the know how to deal with the credit reporting agencies. This is where we can help!

How long does negative information have to stay on my credit reports?
The statute of limitations says that items can remain on your credit reports for seven years from the date of last activity and bankruptcy up to ten years.  However, there are no laws requiring that a creditor or credit reporting agency keep any information on your credit report and they can choose to delete it at anytime they want prior to the end of the statute of limitations.  In addition, any information that you authorize CreditTRAX to dispute on your behalf that is found to be inaccurate or unverifiable is also required to be deleted or corrected and the statute of limitations does not apply to these types of accounts.

Which Credit Bureaus does CreditTRAX Challenge?
First of all, there are many small credit bureaus throughout the United States.  However, each of the smaller credit bureaus typically obtain their information from the Big Three (Trans Union, Experian and CSC a.k.a. Equifax).  CreditTRAX challenges the information you have authorized us to dispute with all three.

How long does Credit Restoration take?
Credit Restoration typically takes anywhere between 2-8 months depending on multiple factors, such as: 1) How quickly you forward correspondence you receive from the credit bureaus back to CreditTRAX, 2) The credit bureaus cooperation in complying to the time frames they are allowed in order to respond to the investigation requests we are submitting on your behalf (30 working days) and 3) The number of derogatory accounts you are requesting that we investigate on your behalf.

What happens if the Credit Bureaus do not respond within 30 working days?
If the Credit Bureaus do not respond to an investigation request within a reasonable amount of time (30 working days, which is approximately 45 total days or 6 weeks), you will need to email our office at: credittrax@financialdestination.com , so that we can initiate a follow up dispute or contact them to obtain verification of why they have not responded according to the time frame allotted.

How much does Credit Restoration Cost?
CreditTRAX provides credit restoration services exclusively to FDI members only and this service is absolutely a FREE Benefit of any FDI Membership and is not available to the general public.  In addition, the monthly membership fee you agree to pay when you become an FDI member/representative is used to cover the other services offered by FDI that are available in your membership package. FDI’s membership fees were not increased and are the same as they were before CreditTRAX was added to FDI’s Financial Services package, meaning that FDI absorbed the cost of this service for each of it’s members, making it FREE for as long as you remain an active member of FDI.

How do I find out what my Credit Score is?
You can purchase your credit scores from each credit bureau by visiting www.annualcreditreport.com.  Unfortunately, your credit scores are not provided free with your credit report and you will be required to pay a small fee.

How do I get a copy of my Credit Reports?
You can get a Free Copy of your Credit Reports once a year by visiting www.annualcreditreport.com.

Can CreditTRAX Guarantee to remove specific Items from my credit reports?
No company or individual can guarantee to be able to remove specific items from your credit reports.  Unless, you have documentation from the creditor or entity reporting the information about you, that states the information is not being reported correctly or that company or entity agrees that the information should be removed.

Does paying an old debt help my credit score?
Paying an old debt can potentially help your credit score, however it can also change the date of last activity and extend the time period in which that account can be reported.  The account should be updated to show a zero balance, but will still report that it was in collections, charged off or that you were delinquent on it in the past, which will still have a negative impact on your credit score.  This is unfortunate, because it does not appropriately reward you for attempting to do the right thing.

Do I still owe the debt if an item is deleted from my credit report?
If an item you have requested CreditTRAX to dispute on your behalf is deleted, due to the fact that it was unverifiable or being reported incorrectly and you owed money on the account, you will still owe the money.  Getting an item deleted from your credit history does not take away the responsibility of the debt.

Can information be re-reported or reappear if it has previously been deleted?
It is highly unlikely and happens very rarely!  However, if you still owe money on an account that you have requested to be investigated and that item is deleted, the creditor can possibly re-report it at a later date, especially if there is any additional activity on the account.  Based on our experience, this typically occurs if an account is sold or turned over to an outside collection agency.  If this ever happens, the credit reporting agencies are also required to notify you in advance of re-reporting any item that has previously been deleted and CreditTRAX, upon your request, will request a reinvestigation of the account.

What is a CreditTRAX Customer Portal?
This is a web-based communication system that provides CreditTRAX’s clients with real time account information.  Whenever you become an active CreditTRAX Credit Restoration client you will be able to login to your own CreditTRAX customer portal 24/7.  Your customer portal provides you with an activity log that let’s you know: what CreditTRAX has completed on your account, what your next step needs to be, what you can expect to receive from the credit bureaus, when we receive information that you have forwarded to us and recommendations as to what you can do to potentially enhance your credit history and credit scores.

How do I access my CreditTRAX Customer Portal?
You can access you customer portal 24/7 by logging into your FDI Back Office, click on the CreditTRAX Members Access button then, click on the link provided on the following page to enter your CreditTRAX Customer Portal.

Where do I send my Credit Reports or other information I receive from the Credit Bureaus?
Please kamrealty@comcast.net  to visit the CreditTRAX Contact Info page for CreditTRAX address information

Testimonials

Credit Restoration
Since I have been with CreditTRAX, I have been blessed with a new car.  I have been on my job for 17 years and every time that I apply for a loan they have turned me down, and this time when I applied for a loan they approved me. Thanks for helping me restore my life and not just my credit.

E. Britt, Connecticut


Credit Restoration
I have greatly appreciated your help and the job you are doing for me. Already you have removed several items from my credit report that were derogatory. I would recommend your service to all my friends.

Thanks,
J. Milten, Washington D.C.


Credit Restoration
I am writing this letter to thank you for the incredible job that you have done in assisting our client's to restore their past credit history. Myself and my partners have been referring clients to FDI/CreditTRAX for the last 8 months and out of the 23 clients referred, we have been able to close 7 of their loans so far and we are anxiously awaiting the completion of more to come. Keep up the good work and we will keep referring anyone who we cannot get qualified for a mortgage due to credit issues.

Gratefully,
B. Tye, Mortgage Originator, Kentucky


Credit Restoration
I am sending this letter to inform you that I am extremely pleased with the job your company has done so far.  I have received information on a continuous basis which shows that my credit is getting better and better all the time thanks to your efforts.  Keep up the good work!  

Sincerely,
M. Harris, Virginia

Credit Restoration
I was using a different service to try to clean up my credit.  I was getting married and wanted to buy a house. After more than a year and about $2000 nothing was getting fixed and I kept paying the monthly fee of $45. I finally got fed up and cancelled the service that did nothing with my credit report.  I asked for my money back but they expressed that they did clear up one item so the money was not going to be returned. I found your site on the internet and submitted for a consultation.  To make a long story short, your company had my credit cleaned up in about 6 months and I have purchased a home and am now married to a wonderful woman. Thank You for helping me achieve my goals.  Now I am keeping better tabs on my credit and know how important it is.

God Bless CreditTRAX,
E. Robles, S. Carolina

Credit Restoration
I am a local car dealer here in Lexington, KY. I am writing this letter to thank you for assisting my dear friend J. Harris with the credit issues he was dealing with. As you can tell J. is a very good person and even though he had a great retirement income the loss of his wife caused him to accumulate credit problems that he was unaware of being responsible for, because his wife handled the finances. You will be happy to know that we were able to get him a 4.9% interest rate instead of him having to dip into his retirement or paying the 19% that we would have had to charge him otherwise. He praises you guys regularly and we have decided to become affiliates as a result.

Thanks again,
M. Davis, Kentucky

Debt Settlement
Thank you so much for helping us get out of debt. My Husband and I were both downsized from a company that we have worked with for over 15 years and we were forced to take a large pay decrease with a competing company that we are now working for. We are both grateful to have a place to work and even though we have years of experience in our field we were forced to take an introductory position and the income that goes with it. Unfortunately, all of our bills were based on our former income and we were very close to filing bankruptcy until a good friend of ours referred us to your company. Your company helped us settle over $40,000.00 in debt for less than $24,000.00 and decreased our monthly payments from $1480/month to less than $650/month. We are now able to continue putting away money for retirement.

Thanks Again,
M. Black, Texas