It all starts with a credit assessment, which you can get by visiting our Sign Up page or calling us toll-free at 818-633-3738. We're different from our competition in that every one of our clients receives individual attention from TMS & Associates. We formulate a customized plan of action based on your specific needs. No two clients are alike!

The cost of credit repair is small compared to the cost of living with bad credit. Below are a few examples of the cost of bad credit. If you are making vehicle payments, you are most likely paying between $4,000 and $10,000 more over the course of the loan just for having credit score issues. This added interest shows up every month in a higher payment.

Home Loan
Damaged credit on a vehicle is nothing compared to the effect of damaged credit on a home loan. A typical home can cost between $180,000 and $300,000 more in interest of the 30 year loan, if you are buying the home with damaged credit. Example: $120,000 home paid over 30 years:

Home Loan

Credit Status	Rate	Payment	Interest Paid
High Credit Score	7%	$798	$167,410
Slightly Damaged	9%	$966	$227,596
Damaged	13%	$1,327	$357,878

$190,000 home paid over 30 years:

Home Loan

Credit Status	Rate	Payment	Interest Paid
High Credit Score	7%	$1,264	$265,066
Slightly Damaged	9%	$1,529	$360,361
Damaged	13%	$2,102	$566,640

Credit Cards
It is not unusual to not be able to get an unsecured credit card with damaged credit. The accounts you may be approved for will typically have higher rates, low credit limits, and have higher than normal penalties and fees for things like late payments.

 

Everyone wants you to see results immediately. Although everyone's credit history is different, most people will see progress within the first 20-45 days of their membership. The majority of time is spent waiting for the credit bureaus to respond to requests. We take great effort in getting our disputes to the bureaus as fast as possible.

This happens occasionally either by accident or a creditor has eventually verified a particular item. This is what is known as a 'soft delete'. The FCRA (Fair Credit Reporting Act) has made it much more difficult for a creditor to replace an item once it has been removed. TMS & Associates will re-challenge the item with the full force of the prior removal in our favor.

Yes, you are given the right under the Fair Credit Reporting Act (FCRA), including the right to challenge inaccurate, misleading and obsolete items appearing on your credit report. TMS & Associates uses every venue available to you under the law to help you assert these rights.

Disputing items on your credit report is your legal right (see the Fair Credit Reporting Act). When you use TMS & Associates to help repair your credit, we are abiding by and using all federal and regional laws regulating third party credit repair assistance.

A credit score is a numerical ranking system that lenders use to determine how much of a credit risk you are. A credit score is a numeric indication of how likely you are to repay debts such as loans or lines of credit. Lenders use this number to determine how much of a credit risk you are. Credit scores also are designed to indicate your creditworthiness in comparison with other consumers. Credit scores are based on the data in your credit report and are generated by computers using artificial intelligence. Usually a credit score is between the numbers 300 to 850. The higher your score, the more "creditworthy" you are to lenders.

Credit scoring is based on many factors that may include: Amount of available credit Payment history Recent requests for credit Amount of credit currently being used Length of credit history Under the Equal Credit Opportunity Act, credit scoring may not use gender, martial status, national origin, race, or religion as factors.

Negative credit listings are deleted from peoples' credit reports each and every day! TMS & Associates is hard at work every day challenging damaging and questionable credit entries on behalf of its clients. Utilizing proven and absolutely legal methods, TMS & Associates is a professional organization working for you and your credit.

Yes. We know from experience that due to our one on one personal approach, our clients experience tremendous results. The ranges of success are as endless and unique as our clients. We partner with our clients, giving them every advantage they can have in the credit world. Yes, achieving results requires that we work in partnership. Your results will reflect that partnership.