There are many companies out there that do credit repair. Many people often wonder what the difference is between one company and the next. Here are some reasons why you should use our company:

• We do not limit disputes.
• We analyze your credit after each round to take the best approach forward.
• We don't use the same template letters over and over.
• We do not require that you enroll in a credit monitoring service.
• We give you 24/7 access to track your progress through our site.
• We are very aggressive and look forward to getting you results.
• We pre-qualify our clients to ensure benefit. If we cannot see that there will be, we will let you know.

Be Careful of Companies that Promise the World or Do Too Little

While many credit repair companies limit their disputes by challenging just a handful of items at a time, we challenge all the items on your report with all three bureaus unless there are some you do not want us to challenge. This speeds up the process so you are not waiting around for 18-24 months for something that should not take more than 45 days to do.

We advise clients to be prepared to make a minimum commitment of at least 6-8 months for us to maximize your results. Credit repair is a process, and not an overnight quick fix. After all, it was not an overnight process that hurt your credit to begin with. Be weary of companies that promise you the world and then ask for large amounts of money upfront. They are only telling you what you want to hear and not what you need to hear.

At TMS & Associates, we challenge all of your negative items with all three bureaus from day one unless there is something you do not want us to. We do not charge up front fees, and we will do a credit analysis to determine if you are a good candidate for our program. If you are not, we simply tell you!

Transparency

We provide you with access to your account and allow you to track your progress 24/7. We want you to know and be active in the process. The only thing we ask of you is to forward your responses from the bureaus to us. This is important and what also separates us from other companies who require you to pay extra for a credit monitoring service. Getting the responses from the bureaus gives us more information to go by when challenging the items on your report while credit monitoring is very limited in the details it provides. The more detailed the challenges, the better the results.

Remember, We are Here to Help

We provide great customer service and want you to feel comfortable referring friends and family to us. We are here to provide you with the best experience, while helping you get back on your feet with your credit.