Why Choose RMCA?
A Comprehensive Solution - Correction, Education, and Optimization
It's common in the credit repair industry to offer less than a complete solution. After years in the business we've noticed that people succeed to a much higher degree when they have been offered a solution that delivers more. RMCA offers them more. Our solution fuses three basic principles - Correction, Education, and Optimization.
Our Expertise with Correction
We set out to create an effective yet affordable option for consumers to verify and correct their credit profiles. Many of our clients have tried disputing directly with the bureaus only to find the process frustrating at best. Our programs are based upon extensive research of consumer credit laws, credit bureau and creditor stall tactics, and persistence for our clients. Our programs are 100% legal and have helped tens of thousands of Americans correct and update their credit profiles resulting in higher credit scores.
Our Commitment to Education
Understanding how everyday actions can reflect on a consumer's credit profile is a critical step in maintaining an accurate and optimal credit profile. We want our clients to understand how to read their credit reports, what items affect their credit report and credit score negatively, how items are reported, and what they can do to move forward and ensure that they maintain an ideal credit report.
Our Emphasis on Optimization
Once our clients have a corrected profile and understand how to maintain it, we focus on optimization of the credit profile. Optimization consists of reviewing the credit profile and determining possible changes that may positively affect the credit score. Examples include whether or not to open new accounts, whether or not to close certain accounts, how much of a balance should be carried on any certain accounts, and how to protect you from unwanted inquiries and abusive uses of your credit profile.
Innovative Technology
RMCA was the first company to offer innovative technology that allows for disputes to be resolved in as little as two weeks. Our technology not only deceases the amount of time necessary to resolve certain questionable items, but it also helps reduce the cost.
Here is a short list of groundbreaking features we've pioneered in the industry since we've been in business:
Fast Track - Same-Day Service
So many of our clients wanted a way to get the project started immediately and what's faster than right now, so RMCA developed a way to get your disputes in the mail the same day you sign up with us.
Identity Optimization
Most of the credit industry establishment wouldn't touch disputes concerning personal information while the Identity Theft epidemic soared out of control. RMCA developed a special option for people that want to be sure their identity is accurately represented as well as the rest of their credit report. RMCA wanted to be sure that anything on your report that was costing you precious points could be successfully disputed, including inquiries.
Competitive Upgrade
After hearing the stories from clients coming to RMCA after a long, unsuccessful ordeal with a competitor, we launched the first industry competitive upgrade rebate. Our Competitive Upgrade allows those clients a discount to upgrade to RMCA so they can experience the difference only we can make.
Built To Last - We've Been Here, We'll Be Here.
For years, RMCA has helped tens of thousands of clients transform their credit profiles and their financial possibilities. Our formula is proven. Our commitment to our clients is unquestionable, so much so that client after client recommends us to their friends and family to help resolve their credit problems. Go with a proven winner that will be here today, tomorrow, and beyond. Choose RMCA for your credit report repair needs.
What To Expect From RMCA
In a nutshell, expect our best at all times. That's backed by several company policies and assurances, like our 100% Service Guarantee and our No-Risk Refund Policy. Here are several advantages you can expect when you choose RMCA:
- Our 100% Service Quality Guarantee is effective from day one.
- Our programs were designed by attorneys with a complete understanding of your legal rights under applicable Federal Statutes.
- We are an Accredited Business and maintain a pristine record with the Better Business Bureau.
- We stay current on consumer law as it pertains to credit repair and credit bureaus to make sure that our clients receive the best possible results.
- Your privacy and confidentiality (especially in regards to your social security number, credit card information and credit reports) are protected by state-of-the-art encryption technology.
- We go out of our way for new clients to feel comfortable working with us. By standing on our history of excellence and aggressive client protection policies, we offer you the safest, most reliable services in credit repair today.
- "RMCA has helped me reach my goal with my credit reports. I want to thank you and your associates for all of your help and dedication."
- - M.M., RMCA Client
What Makes Us The Best For You?
We stand behind the work we do. RMCA's specialized credit repair processes, legal expertise, and guaranteed customer service are unmatched. We provide customized, personal attention to your individual credit repair case and we emphasize customer support and long-term solutions for our clients. Simply put, we strive to provide the best customer service in the industry, and our results-oriented team takes pride in consistently meeting and exceeding our clients' expectations.
Did You Know?
Studies show that less than 10% of the population looks at their credit report annually. Instead, they wait until they're ready to buy a car, make a real estate purchase or refinance property and then check their credit report and credit score. In some cases, this may be too late.
- Twenty-five percent (25%) of the credit reports contained errors serious enough to result in the denial of credit
- Seventy-nine percent (79%) of the credit reports contained mistakes of some kind
- Fifty-four percent (54%) of the credit reports contained personal demographic identifying information that was misspelled, long-outdated, belonged to a stranger, or was otherwise incorrect
- Thirty percent (30%) of the credit reports contained credit accounts that had been closed by the consumer but were reporting incorrectly
Your Credit Report Ratings
Expect the Best from RMCA
Don't understand your credit report? Don't know what the numbers and letters mean under the ratings section. Let us help you understand your credit report a little better. Below are the numbers used to rate an account and the "R" before the number means that it is a Revolving account.
- R0 - Too new to rate. Approved but not used
- R1 - Paying as agreed
- R2 - 30 days late: Late more than 30 days, but less than 60
- R3 - 60 days late: Late more than 60 days, but less than 90
- R4 - 90 days late: Late more than 90 days, but less than 120
- R5 - 120 days late, but is not yet rated collections
- R6 - 150 days late, but is not yet rated collections
- R7 - 180 days late, Paid through a debt management or credit counseling program
- R8 - Over 180 days late, Repossession
- R9 - Bad debt: Collection, Charge Off, Bankruptcy, Included in Bankruptcy, Judgment, Lien, Foreclosure
Each item on your credit report carries a corresponding rating number that summarizes your account status.
- R - Revolving Account - A credit account that is charged and once paid can be used over and over. A revolving balance.
- I - Installment
© 2004-2012 RMC ASAPServices, Inc. All rights reserved. No part of this site may be copied, distributed or reproduced without prior written permission. The services of RMCA and its affiliates may not be available in all states. RMC ASAPServices, Inc. assists consumers with credit reports that are inaccurate, misleading, unverifiable, untimely, incomplete or that otherwise contain incorrect information. Be advised that any company that claims it can improve a 100% accurate and correct credit profile may be violating Federal Statutes. All testimonials are from actual clients. Individual results may vary. Policies and Terms last updated on 06/01/2012.