IS YOUR CREDIT HOLDING YOU BACK FROM YOUR FINANCIAL GOALS?

WHY D & J FINANCIAL SERVICES, LLC?

100% Transparency between you and our team. Our 24/7 secure client portal allows you to check your results, dispute letters, and any recent updates/notes from our dispute team at anytime.

We want to help you achieve your financial goals. At D & J Financial Services, LLC our highly skilled and experienced staff takespride in using the law to protect your rights andachievethe best results as quickly as possible.

At D & J Financial Services, LLC we are more than just a credit repair company. Having trouble paying your student loans on time? We can help with our student loan services. Looking to purchasea home after restoring your credit? We have alsoaffiliated with mortgage professionals who have an abundance of knowledge that will be at your disposal while you are going through our restoration process.

Customer Service is our top priority at D & J Financial Services, LLC. In order to maintain consistent communication we provide monthly updates/coaching calls, email notifications, and phone support. Your account is our number one priority.

ARE YOU TIRED OF BEING DENIED DUE TO YOUR CREDIT?

6 Steps on How To Improve Your Credit Profile

Schedule a free consultation so we can customize a personalized game plan that fits your situation.

Purchase your Credit Audit and Analysis Report. The first step is to identify the problem and issues holding back your credit with a comprehensive credit analysis.

We will send disputes via certified mail on your behalf for the best results.

See results in 30-45 days. Our team is dedicated to working efficiently to achieve the best results as possible in a timely manner. Credit damage did not happen overnight so it will not be restored overnight.

Monthly coaching calls and updates, 24/7 Access to a Secure Client Portal which includes your credit score, stored information, and dispute results. We've created a system to provide 100% transparency between ourselves and the client.

Removing negative payment history is only half the battle. We will also educate you on how to properly build positive payment history. Please remember credit restoration is a team sport.

FREQUENTLY ASKED QUESTIONS

IS CREDIT RESTORATION LEGAL?

Yes, credit restoration is legal and our credit education and document processing services will help you use the law in your favor. That law is called "The fair credit reporting act." the fcra gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

WHAT DOES YOUR 100% GUARANTEE CONSIST OF?

*This does not include the audit fee, that is a digital product that will not be included in the refund*

You are entitled to a 100% refund on all monthly payments if:

- We can not get any items removed or repaired- You have been a client for 4 consecutive months

- You have at least 1 derogatory remark on your credit profile.

- You have not used a credit

-consulting agency nor attempted to repair your credit 6 months prior to signing up for our services.

- You agree to send updated reports from the three credit bureaus to us within 7 days of receiving

(Our disputes are sent through certified mailing, clients should receive updated credit reports every 15-45 days via mail. It is the client's responsibility to make us aware if updated reports have not been received).

WHAT CAN I EXPECT WITH D & J FINANCIAL SERVICES?

We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.

WHAT CAN BE REMOVED FROM MY CREDIT REPORT?

With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, inaccurate personal information and student loans.

WILL THE REMOVED ITEMS COME BACK?

Items cannot come back as long as the item is current or paid at the time of removal or if the collection exceeds your states Statue of Limitations. This holds true except in very rare circumstances.

WHAT CAN I DO ON MY SIDE TO HELP MY SCORE INCREASE?

Credit restoration is a group effort, it takes everyone doing their part. Removing derogatory remarks is only half the battle, it's crucial that you are paying your bills on time, and paying down credit card balances. You also want to build positive credit history, we have resources to help you if you have little to no history.