Pricing
What is the price?
During your FREE assessment an exact price and payment plan for your situation will be determined. Some mortgage companies cover the total cost of getting your credit in order allowing you to pay lower interest rateThe percent, per unit of time, of the total sum borrowed that is charged by a bank or financial institution for the use of their money.s on home and auto loans. America's Credit Doctor offers a discount to teachers, police officers, fire-fighters and anyone in the military.
Are there any hidden costs?
There are absolutely NO hidden costs with our service. Generally, the credit bureausAn agency that gathers information about consumers' credit relationships and provides creditors with credit reports and scores on consumers. do charge a fee for you to obtain your credit reports. We will show you how to obtain your credit reportA report containing information about a consumer's identity, credit relationships, some court actions, consumers statements and previous inquiries into that file. for free or order it online. As of June 1, 2005, revisions to the Fair Credit Reporting Act entitles every person in the United States to one free credit reportA report containing information about a consumer's identity, credit relationships, some court actions, consumers statements and previous inquiries into that file. per year from each of the credit bureausAn agency that gathers information about consumers' credit relationships and provides creditors with credit reports and scores on consumers..
Why are your prices so low?
We have built a dynamic database that organizes your information, we correspond with you by e-mail to save postage costs, and our experts are dedicated to helping as many people as possible utilize our service. When you think of the possible savings on interest ratesThe percent, per unit of time, of the total sum borrowed that is charged by a bank or financial institution for the use of their money. alone from our service, we are a great bargain.
What if I do not have enough money to use your services right now?
If you are currently having difficulty making ends meet, non-profit credit counseling services are available. You may also contact Consumer Credit Counseling for help reducing your monthly expenses. They can be reached at 800.783.5018.
No service can make your debts go away for a fee.
For additional information on usury laws and other credit issues:
The Office of Consumer Credit Commissioner for Texas provides a list of non-profit credit counseling services and credit counseling agencies on its website under Links, Consumer resources, useful links.
The address for the Office of Consumer Credit Commissioner is:
2601 North Lamar Blvd.
Austin, TX 78705-4207
(800) 538-1579
www.occc.state.tx.us
For assistance with credit problems:
National Foundation for Credit Counseling
(800) 388-2227
www.nfcc.org
To review the State Finance Code:
Texas State Law Library
Post Office Box 12367
Austin, TX 78711
(512) 463-1722
www.sll.state.tx.us
Attorney General Consumer Hotline
(800) 252-8011
www.oag.state.tx.us
Information on this and other topics is available on the Texas Attorney General's Web site at www.oag.state.tx.us.