More Than Credit Repair
Education
For over a decade we have helped our clients reach their goals, not just with credit repair but with education. Understanding credit makes it easier to maintain a credit profile you feel great about.
Strategy
We take out the guesswork and develop a simple plan for you to follow. We utilize all options and resources to help you reach your financial goals, to get you what you want… faster.
Results
We realize clients come to us for results. We committed to helping our clients reach their goals by designing a system that compensates us ONLY once they have improvement.
Why We're Different
You likely found this site because we have the best clients and referral partners in the business! Or maybe you’re your just lucky and stumbled upon our site. Either way we don’t pay for advertising, buy leads or “clicks”. This has allowed us to provide personalized professional credit consulting and repair at an affordable price for more than 10 years.
What People Are Saying
Triad Credit has really taken a lot of stress off our plates. On two separate occasions, Sara with Triad Credit was able to improve our credit scores in order to get the best rate possible to purchase our house, and then to refinance our house. We are so grateful for Triad Credit and really appreciated the straightforward and thorough approach they take on educating you on how credit works and also being very transparent on goals and timelines. I have enjoyed working with Sara so much that I now refer business to her for my clients that are wanting to install solar panels but can not qualify for a loan. So far she has helped me turn 2 deals around in just a matter of a couple of months. Triad Credit gets the job done!
A quick note of appreciation...Sara and I have been business associates for a number of years. Being in the mortgage industry, I have asked Sara to assist several clients with their personal credit issues. Every time she got involved, because of her knowledge, expertise and patience, she was able to guide my clients in getting great results. Because of her total willingness to help and her ever present professionalism, I do suggest that you reach out to Sara and Triad Credit.
I have worked with Sara and Triad Credit over the last two years both professionally and personally. She is incredibly knowledgeable in all aspects of credit repair and very attentive with any questions that come up during the process. Highly recommended!
I have been working with Sara at Triad Credit for several years. She is a huge asset to have as part of your business. Her extensive knowledge of credit repair and reporting is unparalleled. She is professional, friendly and quick to respond to my clients. Whether it’s a simple solution or a more complex case, she gives the same attention to detail to each client. I can always count on Sara to keep me up to date in the process and can depend on her for honest, accurate information. I highly recommend Triad Credit!
Sara at Triad Credit is the best for credit repair. I have been in the business since ’93 and have worked with many but none know credit repair like they do. They are also very competitive and only charge for the work done where others will charge a monthly fee. They are always great to work with and easy to get a hold of. Because of the knowledge and expertise at Triad Credit I always know what direction and time frames our clients are looking at in the process of their loans.
I worked hard at building my good credit and financial history for many years, but simultaneous unexpected personal and business problems destroyed all my careful efforts and my good credit was reduced to zip. I heard about Sara at Triad Credit from a friend. Working with her to fix my credit and financial problems has been a good experience for me; I know that she can help anybody else who finds they have to repair their credit rating and accounts like I did. Big thanks to Triad Credit for doing such a great job in getting my financial life back on the road to recovery.
Thank you Sara and Triad Credit team for all that you have done! I am extremely satisfied with what your service has done for me. My mortgage company said my credit jumped 100 points within just a few months! I told them to send future clients to you because of such great service.
My experience with Triad Credit was amazing. Sara is really knowledgeable about credit and how to repair it and get you back on track. I signed up because I ruined my credit when I was younger. Within the first month she was able to get things removed of all 3 credit bureaus, I couldn't believe it! A few more months went by, and long story short she was able to remove a bankruptcy, negative accounts, charge offs, and collections off all 3 bureaus! Thanks to their help, I went from a low 500 score to the low 700’s! Well worth the time and money. I would recommend Triad Credit to anyone who needs credit repair!
No one really intends to find themselves in over their head financially and dealing with aggressive creditors can be a very stressful and overwhelming situation.I highly recommend Sara Ashcraft at Triad Credit, not only for her savvy and professional financial skills, but for her gracious empathy and personal commitment to her clients as well. Thankfully, I am now on my way to rebuilding my credit history and their assistance in accomplishing this has been invaluable.
FAQ
Clients are usually with us from 2 to 6 months but of course there are exceptions. Once we have completed your audit we will have a better idea of your possible timeline. This isn’t saying your credit report is guaranteed to be “perfect” in that time frame, but that most people reach their goal within that time range. We work to help you achieve your goal as quickly as possible.
Most of our clients see improvement within 45 days but there is no way to know how much the credit scores will change. Rather than focusing on credit scores, we focus on making your credit profile as healthy as possible, which in turn benefits your credit scores and odds of approval by lenders. Remember that a healthy credit profile is not JUST your credit scores. Lenders are going to be looking at so much more that just scores. Also, any NEW negative issues (late payments, collections, maxed out credit cards, etc.) can significantly damage your credit profile.
We have a different approach than most credit repair companies. For your credit repair we only bill for what actually gets corrected or deleted rather than billing you for just “attempting” to clean up your credit. You only pay for results! This means that your cost can vary depending on how many and what type of items you have. When we complete your audit we will give you your possible total cost for repairing your credit.
Your audit fee varies based on if we’re working on just your credit or also a spouse or family member.
You will be required to keep an active 3-bureau credit monitoring account. This is how we track your progress. The fee for the Premium Monitoring is $25 per month. This is paid to a third party, not to Triad Credit.
We only bill you on the agreed upon date. You will be billed for the audit upon completion of your audit, which we can schedule for a specific date if needed. Any fees incurred during credit repair can either be paid in full, or we will accept monthly payments towards the invoice amount.
The credit monitoring is so important because that is how we track your progress and know what still needs to be resolved to help you reach your goals.
REMEMBER – The credit monitoring is a requirement for our service.
Yes! We love referrals and would be happy to help your family and friends. As a matter of fact, we have never done any marketing. We are grateful that all of our customers are referrals.
We can’t tell you upfront that any specific item can or will be removed from your credit reports. Like all legally compliant credit repair companies, we can only remove items that are inaccurate, outdated, or unverifiable. However, MANY items on most people’s reports fall into one of those categories. We have helped clients in the past remove late payments, collections, student loans, repos and even public records (bankruptcies, judgments and liens). We cannot make you any promises about specific items.
We cannot ever guarantee approval by another lending for many reasons. One of the biggest being that every lender has different, proprietary underwriting guidelines specific to their company.
There are credit repair companies that try to speed up their service by using online disputes. Disputing online is never recommended: This is why….
When a dispute is entered online, it’s put into an expedited dispute resolution process (EDRP). This sounds great until you read the FCRA. It states that if a disputed account goes into EDRP then the bureaus do NOT have to comply with certain sections of the FCRA. They get to ignore that law!
The sections they no longer have to comply with work in their favor during the credit repair process. One section is called “Method of Verification”. If an item shows as verified, they aren’t required to tell you how it was verified. Another section is the “Re-Insertion Letter”. Usually, if an item is deleted, there are steps the bureau must follow in order to re-insert that item. One of these steps is to send you a re-insertion letter before putting that item back on your credit report. The cost of creating and sending this letter really limits the amount of re-inserted items. If an item is processed under EDRP, this letter is NO LONGER REQUIRED. They can put the item back on your credit report whenever they want. Take our advice and don’t dispute online or let anyone else do it on your behalf.
A lot of people have run into this roadblock before reaching out to us. We help you make a plan to overcome this. There are several options we can discuss depending on where you are starting from and what your goals are. Timing is SO important in this step. It’s best to just stop applying for credit and make a plan. The more inquiries you have the lower your odds of getting approved.
