Custom Options You Can Add
At RMCA we're all about customization, flexibility, and the power of options that suit your exact needs. We package our credit repair services to address your specific concerns without charging you for extras you don't need. When you select one of our programs (Essentials or Essentials Plus) you know that you are getting the core services that suit your situation, then you can add other custom options to further sculpt our services. This way you're assured you are only paying for the services you want and value. That's true customization.
You can add options at any time, though we suggest adding them when you first sign-up for maximum impact. Here is a description of the options we have available for you at this time:
Fast Track Same Day Service
RMCA created same day service in the credit repair industry. Our Fast Track program ensures that you get priority same day service throughout the disputing process. When you add the Fast Track service to your program, you experience a premium level of service with same day disputing.
Fast Track is available as an add-on option to either credit repair program we offer (The Essentials or Essentials Plus) for an additional one-time fee of $25.00. When you sign-up, be sure to add Fast Track to your program so that you can immediately take advantage of these benefits.
Features Include:
Same Day Sign-Up and Set-Up
As a Fast Track client, your case is top priority. We will organize and setup your case the same business day you sign up for the Fast Track Program, and we'll expedite your case in every possible way while still maintaining accurate, secure data entry and outstanding customer service.
Expedited Dispute Letters
We will create and send your custom dispute letters to each of the three major credit bureaus the same day when you complete the Dispute Manager by 2:00 P.M. EST.
Expedited Creditor Letters (Essentials Plus)
If you are on the Essentials Plus program, we will also create and send your custom dispute letters to your creditors the same day when you complete the Dispute Manager by 2:00 P.M. EST.
Identity Optimization
In response to the identity theft epidemic, RMCA has countered with an innovative program that is customized to assist you in protecting your personal information. The Identity Optimization Program addresses the need for today's consumer to take proactive steps in order to minimize damages and reduce, or even eliminate the chances of being victimized by identity fraud.
According to the most recent Federal Trade Commission survey, approximately 8.3 million Americans were victims of identity theft crimes, suffering collective out-of-pocket losses of about $15.6 billion. Your credit report contains credit and non-credit information such as your name, previous addresses, date of birth, etc., which is equally important in terms of personal security. When you sign up, be sure to add Identity Optimization to your program so that you can immediately take advantage of these benefits.
Identity Optimization is available as an add-on option to either credit repair program (The Essentials or Essentials Plus) for a one-time fee of $25.00. When you sign up, be sure to add Identity Optimization to your program so that you can immediately take advantage of these benefits.
Features Include:
Detailed Identity Analysis for Each Credit Bureau Report
We will carefully review all of your non-credit information on each credit bureau report and make a clear determination of what must be removed to optimize your identity. This analysis will inform the strategy that we will employ to optimize your identity for all three credit bureau reports.
Unlimited Custom Disputes for Correcting All Identity Issues
We'll write customized dispute letters and send them to each major credit bureau. If one letter does not warrant the desired response, we will draft a new letter, and use different tactics if necessary, essentially providing you with an unlimited number of disputes for the items you feel are inaccurate. We will dispute your identity items until the information is updated or fixed the way you want them.
- Your Name
- Other Names (aliases)
- Your Spouse's Name
- Your Address
- Your Date of Birth
- Your Social Security Number
- Previous Addresses
- Previous Employers
- Credit Inquiries
- "I am very happy to report that my Experian FICO score is at 851 and my Equifax at 741."
- - K.T., RMCA Client
We're Ready When You Are.
At RMCA we offer you the type of custom programs and options that deliver you the power of the credit you deserve. Whatever options you do or don't choose, RMCA offers the best quality and best value available in credit repair today. Sign up today and give us a chance to prove it to you.
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
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
© 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.