The fee for our credit repair program is $80.00 for each client with a monthly charge of $60.00 for each month you require our services. The length of time you require our services is dependent upon the severity of your report, and if you need debt negotiation services. You will not be billed for monthly services until we physically show you results in writing.
The fee for debt negotiation depends on the amount of debt to be settled. If your total debt is $3,000.00 or less J&E Consulting, LLC will charge a flat fee of $300.00. If the total debt that requires negotiation is more than $3,000.00 J&E Consulting, LLC will charge 10% of the settled amount. Example: You owe $1,000.00 to capitol One and we obtain a written offer to settle for $500.00. Your fee to J&E Consulting, LLC would be $50.00. There are no monthly fees while we are in debt negotiation.
HOW YOU SCORE IN FIGURED
35% of your score is payment history. Meaning, do you pay you bills on time or do you have slow pay history.
30% of your score is the amounts you owe on present open accounts. Credit and revolving balances play a big part in your score. Keep all open card balances to 30% of the credit limit to maximize your score.
15% is your length of credit history. The longer you have an account open, the better your score will reflect.
10% is attributed to new credit. The credit bureau scoring system likes to see activity.
10% is credit used. The scoring system likes to see active mix of accounts such as installment, mortgage, credit card, etc....