AACS

DLA or Date of Last Activity, helps us establish the age of a item. An item's age is very important in factoring our chances of successively disputing those items on your credit report. The Older the item, better our chances will be.

Public Record items last longer then other items that appears on your credit reports. Some will, if left un-contested remain on your reports, for up to 10 years.

Bankruptcies offer us many opportunities to contest the accuracy of the items listed within the bankruptcies. Often the items and or the bankruptcy itself may be listed in-correctly.

Student Loans and Child Support items are protected by federal and local governments and un-less they're not yours, or listed improperly they can be difficult to remove.

R = Revolving
I = Installment
O = Other

1 = A Positive Item in
good standing

2 = Item has some late payments 30-60 days

3 = Item serious late
payments 90 days

4 = Item with late
payments, 120 days.

5 = Item with late
payments 150 days.

6 = Item with late
payments, 180 days.

7 = Wage earner
payments or similar plan

8 = Repossession or Foreclosure.

9 = Charge Off / Write Off / Collection Item.

Credit Review Interview Instructions

Please take a moment to look over your credit report. You'll note that the accounts or items on your reports will have code numbers listed that look like R1, I3, O9. We call them RIO numbers.
If you take a look at the chart to the left. It will help you understand what those RIO numbers mean. You may see Y's L's or other letters, don't get confused, we want the "number" part of a RIO. That number classifies the item's status. That is what's important to us.

If your reports are from Trans Union, Experian or Equifax then you may see them listed as Derogatory or Un- Satisfactory accounts... use the chart to the left to covert them to the proper RIO number

Item's that have a 2 or greater RIO are considered Negative items. On your credit report Negative items may be listed separate from the Positive items. Please include all items or accounts.

If you don't see any RIO codes then look a the comments that are on each item, then match them up (as best you can), to the chart on the left, to determine what the RIO number would be. For example; "Account late 60 days" that would be a 2.

Now don't get alarmed by any of the negative numbers. We need that information, it will help us improve your credit. Remember, it's just what "they" say and the more accurate the information you provide here, the better equipped we are to help remove them. So let's get started by completing the following sentences.

Credit Rating Types

Please count all of the items that have RIO numbers on them and group them by number, by putting all the 1's, 2's 3,s, etc together. Now, lets start reviewing your credit report with that information.

My report has items that have a RIO that ends with a 1 (positive accounts)

My report has items that have a RIO that ends with a 2 or 3

My report has items that have a RIO that ends with a 4, 5 or a 6

My report has items that have a RIO that ends with a 7 or 8

My report has items that have a RIO that ends with a 9

Age Negative of Items

Now let's look at your reports again. You'll note that the NEGATIVE items (with a 2 or higher RIO) all have dates that reflect the LAST time it was active. We call that a DLA for Date of Last Activity If you look over your report you may see it listed as "last active" or "closed since". The older the date the more likely we will get it removed. Please use that information and complete these sentences;

Of the NEGATIVE items that are on my report, have a DLA that is less or 1 year old.

Of the NEGATIVE items that are on my report, have a DLA that is 1 to 2 years old.

Of the NEGATIVE items that are on my report, have a DLA that is 2 to 3 years old.

Of the NEGATIVE items that are on my report, have a DLA that is 3 to 4 years old.

Of the NEGATIVE items that are on my report, have a DLA that is over 4 years old.

Public Record Listings

Now, lets visit your report once again, I promise this will be the last time. You'll notice that you may see a Public Records part of your credit report. It's there that you'll see Judgments, Liens, Bankruptcies and the like. You may not have any Public Records listings. If you do have any please complete (if needed) these sentences;

My report has Judgments, and have been paid, and are incorrect.

My report has Tax Liens, and have been paid and are incorrect.

My report has Foreclosures, and have been paid and are incorrect.

Bankruptcies

Before you think that Bankruptcies will ruin your chances. Some factors can minimize it's effect on your credit. such as age, status and accuracy of the details If you have more then one Bankruptcy something maybe wrong, we can help, please call our office, 954-918-2963 .

I have a Chapter Bankruptcy and it's status is, which is about years old, and I believe it is listed .

Other Items

These items also factor in, when we calculate our chances to improve your credit.

I have Student Loan(s) and I believe it is listed .

I have Child Support and I believe it is listed .

I have Un-Paid Collections / Judgments that are over $2500 on my reports

Great! now if you agree to the terms below and press the submit button, Our on-line software will calculate this information and within seconds, you'll get the results.

I understand that this is for comparison purposes only. The results are based on a cross section of previous clients results. I also understand that these results are also based by the information that I provided here, and if that information is incorrect then the results will reflect that
.

That's it! That's what we mean by "We Provide The Service." And, this service is provided to you at a low ONE-TIME Fee for an ENTIRE YEAR!

"For years I had bad credit due to medical bills and I wasn't able to get a loan on my own home!. I joined AACS, and in just over 90 day I was able to get refinanced and pay off my debts (at a lower price & rate) and now I have piece of mind and my life back!"
Sam W. Utah