Training Classes ...
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Credit 101 Maximizing your credit
Budgeting and spending Control
Identity Theft
Income and Finances
 

B-Vital Credit
704-875-8254
704-947-7331

Welcome to B-Vital Credit. We are professionals in Credit Restoration and debt settlement. We make credit repair easy, affordable and effective for our clients.

B-Vital Credit
 
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We provide the clients alternatives to Bankruptcy.

  • Are you paying high interest fees on loans and credit cards because of your credit score?
  • Are you living from pay check to pay check?
  • Are you tired of the collection calls?
If you are ready to take control of your credit and financial future we can help.

Like it or not, credit has a major impact in the quality of life that we have. Poor credit cost the consumer thousands in high interest fees.

We have help remove and improve on the following:
  • Late Payments, Charge Offs, Judgments, and Liens
  • Bankruptcies, Repossessions, and have stopped foreclosures
  • Negotiate settlements with the IRS
  • Inaccurate Identify information
  • We also offer identify theft protection
We also offer a debt liquidation program to pay off all remaining debts. Credit cards paid usually with 12 to 24 months and 30 years mortgages usually within 7 to 10 years.

Our No Risk Refund Policy:
If we fail to remove an item, we will refund money on that item. Some items may have to be negotiated with a settlement; we will get our client the best deal possible.

Credit Restoration can be done by the consumer who has knowledge of the process and the time to do it. The Fair Credit Reporting Act (FCRA) gives you the right to accurate credit reporting. Exercise that right by having your questionable credit listings either verified as accurate or removed from your credit reports according to the law.

Each of the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - is required to provide you with a free copy of your credit report, at your request, once every 12 months. To order, click on annualcreditreport.com, call 1-877-322-8228, or www.freecreditreport.com.

Once we received a copy of your report, we can begin the work.

Click here to view Training Classes

Click here to apply online

 

 
 
 
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1. Make a budget, and stick to it as close as possible. If you are spending get you off your budget, do not give up, make the adjustment and get back on track. A budget will work, but you must work the budget.

2. Direct your money. Know where and who you are paying. Reduce expenses such as long distance phone bills, utilities bills, eating out bills, change the oil in your car regularly, every 3000 miles, and fill up instead of putting a little gas in the tank.

3. Do not use your credit cards. The credit cards debts in America are at an all time high.

4. Pay yourself before you pay the creditors. Make a plan to pay yourself first. The recommend amount of saving is 10 percent of each pay check.

5. Don't play the Lottery, you loose more money than you win.

6. Become a home owner, instead of renting. Owning a home tax advantages and the property that you are paying on is yours.

7. If you find that you need help, get it. Seek the help of a financial planner or a professional credit counselor service. Once you're back in control of your financial affairs, you'll feel better about yourself and your future.