ELEVATE YOUR CREDIT SCORES STARTING TODAY.
Credit scores affect every aspect of our financial lives including qualification for loans and mortgages, the interest rates we pay, employment opportunities, and even insurance premiums. Correcting and protecting your credit profile is one of the most important financial decisions you can make. 45CREDIT.com is convenient, personal, inexpensive and effective.

Do NOT use a Credit Repair Company.
Do not pay Attorneys or credit repair companies $100's or $1000's. Credit repair companies are often referred to as "Dispute Mills" where the company typically disputes all of the negative accounts over and over to see if they can get lucky and some of that information will be deleted. These companies often disguise themselves as law firms. If you dispute accurate information, which most credit repair companies do, this practice can be viewed as "FRIVOLOUS".

Do you think you are hiring a $200 per hour attorney to sit and write dispute letters for you for $39 per month? Unfortunately many of those accounts may re-appear within 3-6 months once they are verified by the creditors. It seems that these attorneys are simply interested in making money on those monthly fees.

CREDIT REPORT ERRORS: A Recent survey found:

• 79% of the credit reports contained mistakes of some kind.
• 56% of the credit reports contained errors in the personal section of the credit report.
• 30% of the credit reports contained credit accounts that had been closed by the consumer but incorrectly listed them as open.
• 26% of the credit report mistakes were serious enough to be denied credit.
• 9% of ALL credit reports were missing major credit, loan, mortgage, or other consumer accounts that demonstrate the creditworthiness of the consumer.

In December 2003, Congress passed the Fair and Accurate Credit Transactions Act (FACT Act), which included the right to a free credit report every 12 months and a number of provisions designed to improve the accuracy of credit reports.

Credit Score Accelerator

According to FICO (Maker of the most widely used credit score) 65% of the credit score has nothing to do with good or bad credit. The Credit Score Accelerator shows you many other avenues that can help elevate your credit scores fast...

Credit Repair companies only work with 35% of the entire credit score formula which deals with good or bad credit. The Credit Score Accelerator works with 100% of the areas that make up the credit score. This can truly help you achieve a higher credit score, and all for only $45.

Our program can help you obtain a higher credit score with the least amount of money out of your pocket in about 30 days or less!*

At 45CREDIT.com, we understand that everyone's credit report and financial situations are unique, which is why we offer a comprehensive, personalized, and proven credit score assistance program that get results.

Cash needed for these actions: $203

Total Potential Credit Score Increase: +78 Points*

*Results cannot be guaranteed as individual circumstances are not all the same. 5 day credit score increase can be achieved by using rapid rescore services from your Mortgage Professional

This example is just one page of many from the Credit Score Accelerator that has power packed information and Education to raise your score.

There is not another credit score assistance program like this on the market today!

Web Based Dispute System

You will also have access to 45CREDIT.com's web-based dispute system which can assist you in correcting information on your credit report fast. Our "Dual Challenge" software prepares up to 20 situational disputes to correct errors on your credit reports and can assist you in disputing inaccurate accounts directly to the creditors. "Dual Challenge" disputing, which uses two different federal laws, increases your chance of elevating your credit scores. "Dual Challenge" disputing takes advantage of the Fair Credit Reporting Act which is used to dispute inaccurate items to the credit reporting agencies and also uses the Fair Debt Collections Practices Act which is used to verify creditor or collection items. This complete dispute process is usually found only when dealing with very expensive attorney programs. Mistakes on your credit report can include; erroneous negative items, obsolete accounts, incorrect balances, wrong status dates, inaccurate credit limits and more. Over 20 custom disputes available.