RMCA Credit repair services overview

We at RMCA understand that everyone's credit report is unique to their own financial circumstances. When you want to repair credit or just raise your credit score, you need a customized approach that fits your individual credit profile. As an RMCA client you receive the premier credit report repair you expect and the superior customer service you deserve, all at a price that you can afford. Our exhaustive research dealing with consumer credit laws and experience dealing with credit bureaus and creditor tactics are a powerful ally to help you reach your credit goals. All RMCA programs are 100% legal with tens of thousands of Americans already enjoying improved credit scores.

"I am very happy to report that my Experian FICO score is at 851 and my Equifax at 741."
- K.T., RMCA Client

Program Choices

RMCA programs Each or our two credit repair programs offer the most customized service available. The Essentials and Essentials Plus programs each offer a personalized approach. You can upgrade or reduce services as your situation changes. There is no risk; cancel at any time.

The Essentials Program

The Essentials The Essentials program give you the tools to dispute anything on your credit report that may be inaccurate or in any way misrepresent information or mislead creditors. A personal case advisor will help you with the dispute options and you can access your case status 24 hours a day / 7 days a week at our online Dispute Manager. You also get access to unlimited disputes submitted to all three credit bureaus and our unparalleled client service, all at no risk; cancel any time.

The Essentials Plus Program

The Essentials Plus program gives all the great service found in the standard Essentials program combined with cutting-edge tactics to bring you improved results faster than ever. Essentials Plus gives you unlimited validation and goodwill letters customized and sent directly to your creditors (excluding public records), challenging inaccuracies or anything that may be misconstrued giving a false impression. Inaccurate, incomplete, and outright false information can be updated or removed altogether from your credit report. The Essentials Plus program also gets you a letter of recommendation from a staff attorney you can use to help with future credit approvals. All this plus the unlimited customized disputes to all three credit bureaus, a case advisor to offer professional assistance at every step, an online Dispute Manager available 24/7 where you can manage and monitor all your dispute options and progress, unparalleled client service and still able to cancel at any time for your utmost confidence is the ultimate in credit repair service.

Your Credit Report Ratings

Credit Repair

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
Proven Results