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Consulting
We work with you on a one-on-one basis to analyze your credit profile, to see if we are a good fit for you, or if DIY would best suit your needs.
Strategizing
We will identify negative/erroneous accounts on your credit report and come up with solutions on how to better manage your debt and credit score.
Optimizing
We will come up with a plan of action that’s budget friendly and favorable for you, all the while keeping your budget and needs in mind.
Timing
The credit disputing process can take anywhere from 60 to 90 days per disputed item.
THE POWER IS IN YOUR HANDS
Reconstruct Your Past
A liaise between you , the creditors and credit bureaus , challenging all negative and erroneous items that affect your credit score
Track Your Present
An opportunity to be in the here and now with the process, having easy access to your account 24/7 for live status updates on improvements on your credit reports and scores.
Change Your Future
A foundation powerfully constructed with your future in mind . Gaining knowledge that will sustain you long after you achieve your credit restructuring goals.
Check Out Our Services
A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services.
Power Analyzation
At Sovereign Elite, our team is trained to identify even those errors which might easily be overlooked. For e.g. collectors are required to stop reporting once they sell the account to another collector. This can often times, result in more than one collector reporting the same debt. Therefore, affecting your credit score.
Debt Validation
If you plan to pay your debt or strongly believe the claims to be wrong, you can request for debt validation. But it’s useful to keep in mind that if the debt turns out to be accurate, using this tool will only kickstart new collection efforts on the part of the collector. This is why, we only deploy this tool after extensive research and care.
Power Disputing
If any inaccurate negative items are found, our team will tackle and dispute 15 negative items (5 items per bureau) at a time on your behalf for faster results. But the turnaround time varies from case to case, depending upon the complexity of the debt.
Cease and Desist Letter
A cease and desist letter is a formal notice to the debt collector to completely stop communication with you. However, this tool can leave you vulnerable to a lawsuit from the collector. Therefore, before going down this route our team will ensure that all other options are exhausted.
Power Score Assistance
We are committed to optimizing your FICO score by identifying any gaps in your credit file, as well as making suggestions on balance pay downs, distribution of credit balances amongst other accounts or rebuilding credit, using a secured credit card.
Debt settlement/ Negotiation Consultation
If you decide to pay a collection, depending upon the situation it may be possible for our team to negotiate the payoff. We will sit down with you to discuss and determine the correct course of action before making an offer.
Choose Your Perfect Package
Whether you’re looking for side-by-side comparisons, info around rewards versus points or you’re ready to apply, we’ve gathered everything you need in one easy place.
Standard Plan
- $79/Monthly
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- In-Depth Credit audit
- Unlimited Bureau disputes
- No Monthly Fees- Pay after Deletion
- Credit Coaching and Education
- Credit Audit every 45 days
- Assistance with Lines of Credit
- Unlimited Support
- No Hidden Fees
- Client Portal 24/7
- Audit Fee Returned if no Deletion within 120 Days
- Home Purchase counseling
- Debt Management
Basic Value
Pay For Deletion
- $250/Annual
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- In-Depth Credit Audit
- Unlimited Bureau disputes
- No Monthly Fees- Pay after Deletion
- No Contract
- Credit Coaching and Education
- Credit Audit every 45 days
- Assistance with Lines of Credit
- Unlimited Support
- No Hidden Fees
- Client Portal 24/7
- Home Purchase counseling
- Debt Management
- Audit Fee Returned If No Deletion within 120 Days
Deletion Fees
- $20%/Military Discount
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- Inquiries $10
- Personal Information Inaccuracies $5
- Collections/Charge Off $50
- Foreclosure $70
- Repossession $75
- Child Support $100
- Bankruptcy/Civil Judgement $100
- Student Loans $75
- Late Payments $30