Our service is similar to that provided by a defense attorney. The credit report is no more than allegations. Unfortunately, most people never challenge these allegations. By retaining our services, our clients enter a plea of “not guilty”. It is then up to the credit bureaus, collection companies and creditors to perform an investigation. If they claim to have investigated the allegation, we appeal the decision and eventually most allegations are removed.

The credit bureaus do not concern themselves with the impact of any MISTAKES. Information is frequently inaccurate and does not represent the consumer. As a result, good creditworthy citizens are tagged as “deadbeats.”

Every court case is unique, just like every credit report is unique. That is why we spend the necessary time drafting personal disputes. Each negative item receives a custom drafted dispute. Our firm does not believe in using form letters.

What you get at Waterfield Credit:

HIGHLY SKILLED STAFF
Waterfield Credit’s staff is composed of a group of Accountants, Attorneys and Loan Officers. This gives us a huge arsenal of information. In addition, we are constantly monitoring laws about credit reporting and adjusting our methods. Waterfield Credit eats, sleeps and thinks about repairing bad credit. Lucky for our clients!

NO FORM LETTERS
We NEVER use form letters. Many so called credit repair firms will use the same letter for ALL their clients. This proves ineffective. Our legal department will prepare custom disputes.

UNLIMITED DISPUTES
Unlike other companies that charge you a fee for each dispute, we offer unlimited disputes at no additional cost. You pay one flat monthly fee, whether it be 10 disputes or 100. We will dispute with the Credit Bureaus as well as the problem creditors or collection companies.

UNLIMITED DELETIONS
Some credit companies charge you a fee for each individual deletion. Our process is geared to protecting your rights. You will never be charged extra for simply doing the job you hired us to do.

NO HIDDEN FEES
Our service is built around being effective and being easy for you. As a result, what you see is what you get. THERE ARE NO HIDDEN FEES. You have enough to worry about in your regular life without having to wonder where the catch is. We are here to make this process easy and free of worry.

LOW MONTHLY FEE
Our significant experience in helping clients just like you has allowed us to develop some of the most effective strategies and procedures available. As a result, we pass the savings directly to you. The low monthly service fee of $89 takes care of all your services.

FULL REFUND POLICY/ CANCEL ANYTIME
We believe our service is so effective that we offer a complete warranty that entitles you to all or some of your money back if enough disputed items aren’t removed from your credit report. Our services are provided on a month-to-month basis, you choose how long or how short a period to employ us. You have the option of canceling at any time, without any extra charges.