• How do I know I need financial help?
  Is this legal?
• Could I be doing this myself?
• Is this confidential?
• Will it look bad that I came to a financial advising company? 
• Why Life Is Credit?
• How much does this cost?
• What is the time frame?
• How do I get a copy of my credit report?
• What does the number on my credit report mean?

How do I know I need financial help?
If you are struggling with debt from student loans, hospital bills, judgment, credit cards, repossessions, bankruptcies, or even mistaken identity, Life Is Credit can help. Our teams of professional consultants are specially trained to work with credit card companies and debtors to help you settle your debts and raise your credit score.

Is this legal?

Absolutely! As a consumer, you are entitled to certain rights and laws. Life is Credit consultants can help you utilize these laws. We guarantee our service 110% to assist you with getting back on track, settling you debts and increasing your credit scores.

Could I be doing this myself?

Technically, yes. However, because of the overwhelming and stressful nature of declining credit and dealing with debt, having a qualified consultant from Life Is Credit on your side can be the key to quick and positive results.

Is this confidential?

Life Is Credit will never share any information about any of its clients with anyone. All information on your credit remains completely confidential.

Will it look bad that I came to a financial advising company?

No. Only you and Life Is Credit will know that you came to us. In fact, by contacting us, you have taken the first step in creating a better financial future for yourself, and to creditors it will look as though you repaired your credit on your own.

Why Life Is Credit?

Unlike other financial advising companies, Life is Credit offers long term planning in order for you to maintain good credit. Bad credit and debts do not disappear over night, but with Life Is Credit you will see the short term effects in only 4-6 weeks and your personal consultant will help you map out a long term plan.

How much does this cost?

Life Is Credit charges $30 fee for your credit report and $99 per step in our 3 stage process, or for a flat fee of $395 you get the complete package including all 3 stages plus a one year membership to Life Is Credit.

What is the time frame?

You will begin to see positive results in one to two months. However, because each case is different, your personal consultant will help you form a plan that best fits you and your life.

How do I get a copy of my credit report?

Credit Bureaus or Credit Reporting Agencies are companies that maintain and update a person's credit information. The three major US companies are Equifax, Experian, and Trans Union Corp, and they provide nation-wide information. By contacting one of these companies, you can receive your credit report in the mail. These companies collect information on a person's payment habit, credit lines, bankruptcies, etc, that help creditors and lenders assess the risk they take in extending credit to a consumer. The companies create credit files on a person by contacting banks, financial institutions, rental agencies, utility companies, and public records. Because each company obtains their information differently, your credit report may not be consistent with each company.
 
What does the number on my credit report mean?

You are given a credit score between 350 and 850, the higher the better. A score of 730 or higher is considered good credit. Once below 730, lenders may begin to look more closely at your credit report when considering you.