Welcome to DIY Credit Repair Software

Use the link to sign up for Identity IQ credit monitoring service. Remember vantage scores are not accurate scores. However Fico scores will give you a more accurate score. You will receive credit reports along with credit scores. You will also be able to use this credit report for you DIY process.

https://ivyfinancialconsultants.com/sign-up-with-identity-iq

Incorrect information on your credit reports could drag your scores down. Verify that the accounts listed on your reports are correct.  

You can  create a positive impact on your credit scores by paying your bills on time.  It's a great idea to schedule bill due dates on your calendar so that you do not miss a payment. Keep in mind, if your behind on any of your bill, bringing them current is a plus. Late payment can cause a very high impact on your credit score and it can also reflect on your credit file for up to seven years. Older late payments will have a less impact on your credit scoring.

Awesome news!!! You can contact  experian.com/boost  and register for your utility and cell phone payments to be reported. This service is free with Experian, keep in mind it will only report on your Experian credit report and scoring. Also , by signing up for a membership you will receive a free credit report and FICO score immediately.

Credit scoring models will often consider credit utilization rates when calculating a credit score for you, which can impact 30% of your credit score. A low credit card utilzation is recommended for scoring purposes. Credit utilization rates are based on credit cards and lines of credit. It does not include installment loans like mortgage or auto loans. 

 Don't open accounts just to have a better credit mix—it probably won't improve your credit score.Unnecessary credit can harm your credit score in multiple ways, from creating too many hard inquiries on your credit report to tempting you to overspend and accumulate debt.

 Keeping unused credit cards open—as long as they're not costing you money in annual fees—is a smart strategy, because closing an account may increase your credit utilization ratio. Owing the same amount but having fewer open accounts may lower your credit scores. 

If you do not have any positive tradelines on your credit profile please use the link below to view offers available. 

CREDIT REBUILDING TOOLS

https://ivyfinancialconsultants.com/rebuilding-credit-tool

 ***The DIY credit repair software is not compatible with ios, or any MAC products. However, you can use the software on other systems such as Androids, Windows, and Chrome books. The software is not cloud based, so you will need to download the software on the devise you will use for your DIY credit repair disputes.***  

Moving Your License: 

 If your computer crashes or it’s infected with a virus, you can deactivate the software license key by hitting the Deactivation icon on the top menu of the software. When you do this, it will put the software back in demo mode.  Now you can install the software into a second PC. The license key can be moved twice, at max. After your last move, you can use the same license key on the same computer for as long as you desire. If you need to move it again due to an emergency,  please contact customer support.