ALL ABOUT US
We’re Here to Help You
Elite Financial Care offers credit repair and other related services. From errors in your reports to credit improvement strategies, we work with each client to find the best solutions.
We’re an innovative team of professional and experienced individuals who understand exactly what it takes to remove financial errors from your records. Moreover, we work thoroughly and diligently in order to understand each specific case and find even more ways to improve our clients’ credit scores.
WHY CHOOSE US?
WE WORK TIRELESSLY TO IMPROVE YOUR CREDIT
At Elite Financial Care we know that enjoying the finer things in life are important to you and your family. As a result of this, Our team will utilize our expertise to help you restore, rebuild and raise your credit scores, so that you will become creditworthy again.
We Help You Get Rid of Bad Credit
BY REMOVING :
If you fall behind on payments, the lender or creditor may transfer your account to a collection agency or sell it to a debt buyer. This generally occurs a few months after you become delinquent, or the date you begin missing payments or not paying the full minimum payment. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report.Collection accounts have a significant negative impact on your credit scores.
A charge-off is an entry on your credit report that indicates a creditor, after trying and failing to get you to make good on a debt, has given up hope of getting payment and closed your account. A charge-off is considered a derogatory entry in your credit file—a serious negative event—and it can adversely affect your credit scores and your ability to borrow additional funds.
A repossession will have a serious impact on your credit score for as long as it stays on your credit report usually seven years, starting on the date the loan stopped being paid. But in addition to the repossession being noted, this process often includes the following "dings" to your credit:
Late payments: For every month you miss a payment, there's a negative item on your report.
Defaults: Entering loan default is its own negative event.
Collections: If you are unable to pay off a deficiency balance, your account may be sent to collections, which will also be noted on your credit report and hurt your credit score.
Court judgments: Unsuccessful collections may result in a court judgment.
You have a 30- day grace period with your creditors before they can report a late payment to the Credit Bureaus. Late payments can hurt your credit scores, although the impact will depend on your overall credit profile and how far behind you fall on your payments.
Generally, a single late payment will lead to a greater score drop if you had excellent credit and a clean credit history. If you already have poor credit and your credit report shows other late payments, a new late payment could still hurt your score, but it may lower your score by fewer points.
Hard inquiries (also known as “hard pulls” or “hard credit checks”) generally occur when a financial institution, such as a lender or credit card issuer, checks your credit when making a lending decision. They commonly take place when you apply for a mortgage, loan or credit card, and you typically have to authorize them. Multiple hard inquiries in a short period could lead lenders and credit card issuers to consider you a higher-risk customer, as it suggests you may be short on cash or getting ready to rack up a lot of debt. A hard inquiry could lower your scores by a few points, or it may have a negligible effect on your scores.
STUDENT LOANS AND MORE!
WE ALSO SPECIALIZE IN FORECLOSURES, BANKRUPTCIES + MORE.
WE ARE ABLE TO GET THESE TYPES OF ITEMS REMOVED BY CHALLENGING AND DISPUTING WITH THE CREDIT BUREAUS AND YOUR CREDITORS.
HAVING GREAT CREDIT IS MORE IMPORTANT THAN EVER.
MORE REASONS WHY YOU SHOULD SIGN UP TODAY!
Experienced Credit Consultants
We offer a 100% Money Back Guarantee.
We are a company with integrity.
We will be intimately involved with your credit repair experience.
We will be there for you every step of the way.
Credit education and correction is legal and the law is on your side. We help and guide you from start to finish and we prepare all of the documentation for the various credit agencies.
Our fees are reasonable and there are NO long binding contracts. We work with your credit file until it is done.
GET STARTED TODAY
1968 S. Coast Hwy. Suite #503 Laguna Beach, Ca. 92651
📞 (866) 354-8390