Novus offers its clients two
separate but related services, credit
restoration and debt
settlement. Many clients will need one but not
other, but the advantage of working with Novus is that we're
of the few companies that offers both. Because of
the expertise we
bring to the table with both of these
services we understand how
they can compliment each other.
This is our core competency. You
have a right, by law (the Fair
Credit Reporting Act), to dispute
any item on your credit report that
you deem inaccurate.
Your credit report is nothing more than a list of
Right now those allegations are going unchallenged and
bureaus, Equifax, Experian, and TransUnion sell this
information to anyone willing to pay their fees. We help
our clients put the onus back on the credit bureaus. Our
simple, "prove it, or remove it." We use the law and
we've learned throughout the years to hold the
credit bureaus and
creditors collective feet to the fire.
We usually find that the
derogatory items being reported on
our client's credit reports to be
untenable and eventually removed,
either by a dispute to the credit
bureaus, or directly to the
creditor allegedly reporting the information
to the credit bureau.
It sounds simple, and in theory it is, but the sad
fact is that
the credit bureaus and creditors throw up so many
in the path of consumers that individuals rarely meet with
same success that we do. Disputing items is not difficult,
getting positive results is.
Do you want to know a secret most of our competitors
you know? Not every item can be removed by
disputing. Some items
prove to be verifiable. Furthermore,
just because an item cannot be
validated and is removed doesn't
mean that you no longer owe the
debt. Collection accounts
can be resold to new collection agencies,
and we're increasingly
seeing unsecured charge offs and collections
by means of liens and judgments, which can
result in wage garnishments
and bank levies. When you speak to a
at Novus we'll come up with a strategy appropriate to
"Right, but how much is this going to cost me?"
You pay nothing
upfront. Beware of credit repair companies
charging upfront fees.
They're breaking the law.
After your no-cost, no-obligation
consultation Novus will send
you a contract and upon it's signed
return, along with a credit
report, we will begin putting a file together
You will be given a login ID and password so that you may
your progress throughout the process. Once all this is
and the disputes are processed and ready to be mailed to
bureaus you will be charged. Fees are as follows:
No additional fees will ever be charged for credit
No per item deletion fee like many other companies,
and no long
term contract to sign. You can cancel at anytime
you give us a 30-day notice. An additional $19.99 per
month would be charged for debt settlement services.
Novus stands behind its services.
While we can't guarantee an
outcome, we can make it right to
our clients by issuing a warranty on
our service. If an item is deleted from your credit report and that
item ever reappears, Novus will remove it free of charge. If
the end of our program you aren't completely satisfied, Novus
conduct a reconciliation and issue you a refund equal to
paid to Novus less $85 per deleted item. Terms
and conditions apply.