About Us
Bright Future Credit Solutions specializes in removing inaccurate, incomplete and miscellaneous information off of thousands of credit reports each year.
We use aggressive strategies and our knowledge of the credit industry to offer you maximum results. 79% of all credit reports contain mistakes, we help increase your credit score by removing those inaccuracies. Our friendly Bright Future Credit Solutions staff will always treat you with the utmost respect. We are readily available to assist you with any questions. Getting enrolled into our program shows that you are serious about increasing your credit score. Our goal is to graduate all of our clients with a credit score of 700+. We take on the credit bureaus and collections agencies on your behalf. All of the skills you will learn during this program will allow you to raise your credit score and keep it from declining in the future. Graduates of this program move on to implement healthy lifestyle changes to ensure financial freedom.
"Once you become a valued client of Bright Future Credit Solutions, we will assist you every step of the way along your journey to reverse your past negative credit history."
The Credit Steps
It takes only 3 steps to start your credit repair journey
Schedule your FREE credit consultation and register for a copy of your credit report.
Schedule Call >>Call the office at your scheduled consultation time. During this consultation we will get you enrolled in our service. We will need a copy of your ID and proof of your current address
Call Office >>We get started on your credit file right away by going after creditors and bureaus on your behalf, handling all legal paperwork and document processing. If items are not removed on the first round of challenges, we customize and adapt our methods for the next month.
What Can Be Removed or Repaired
• Late Payments
• Collection Accounts
• Bankruptcies
• Charge Offs
• Repossessions
• Tax Liens
• Foreclosures
• Judgements
• Identity Theft
• Fraud
• Incorrect Personal Info
• Unauthorized Inquires
• Medical Collections
• Child Support
Credit Factors
35%
Payment History
The first thing any lender wants to know is whether you've paid past credit accounts on time. This helps a lender figure out the amount of risk it will take on when extending credit. This is one of the most important factors in a FICO Score.
30%
Amount Owed
Having credit accounts and owing money on them does not necessarily mean you are a high-risk borrower with a low FICO Score. However, if you are using a lot of your available credit, this may indicate that you are overextended-and banks can interpret this to mean that you are at a higher risk of defaulting.
15%
Length Of History
In general, a longer credit history will increase your FICO Scores. However, even people who haven't been using credit long may have high FICO Scores, depending on how the rest of their credit report looks.
10%
Credit Mix
FICO Scores will consider your mix of credit cards, retail accounts, installment loans, finance company accounts and mortgage loans. Don't worry, it's not necessary to have one of each.
10% New Credit
Research shows that opening several credit accounts in a short period of time represents a greater risk--especially for people who don't have a long credit history. Try not to open too many accounts too rapidly.
Schedule FREE Consultation >>
The Benefits Of Working With Us!
- Dispute Tracking
- 3 Bureau Reports
- Score Builder
- Score Tracker
- Money Manager
- No Contract
- Unlimited Disputes
- Monthly Updates
- Results In Just 30-45 Days
- Affordable Monthly Payments
- 1 Million Dollars In Fraud Protection
- Money Back Guarantee
Bright Future Credit Solutions can get you back on track. Don’t push fixing your credit off any longer contact a credit consultant for your free credit evaluation!
Schedule FREE Consultation >>
Ways To IncreaseYour Credit Score
• Paying bills on time can help maintain a higher credits score
• Never let an account go into collections
• If you cannot make your payments on time, always make arrangements
• Instead of closing Accounts keep them in good standing to help with
length of credit history
• Make sure to keep all balances low on credit cards and other revolving
accounts to 33% or below
• Paying off debit can be more beneficial than a balance transfer
• Try and stay away from opening new accounts to rapidly, this can
cause your credit score to decrease
• Remember to never overdraft your bank accounts
Client Testimonials
Frequently Asked Questions (FAQ's)
How does billing work?
An audit fee will be charged after signing up for our service for work initially completed. The monthly fee begins 30 days after. At cancelation, you will be charged a final payment since billing occurs after services have been performed
How can I stop services?
Simply send a letter to our Chesterfield office before the next billing month starts. Monthly payments will only be for months we worked on your account and have to be canceled before the 1st of the next billing month.
When should I see results?
Credit bureaus have 30 days to process disputes; you will see initial results in about 30-45 days. On an ongoing basis, you will see results each month you are in the program
What are the program rules?
The program rules are as follows, Keep credit monitoring, build positive credit using only the recommended tradelines, keep credit card balances low, pay all bills on time, and send us all collection and credit bureau responses promptly.
How long does the process take?
Times vary based on how many negative items are reporting on your credit report. It also depends on how many positive accounts you currently have reporting. A positive account is a revolving credit account with no late payments. If you need help building positive credit getting a secured card right away can speed up the process. Our goal is to graduate all clients within 3-9 months.
Bright Futures Money Back Guarantee!
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Bright Future Credit Solutions provides a money back guarantee to clients who have been enrolled for 180 days. The refund will be provided to clients that we are unable to repair/remove ANYTHING from your credit report. The money back guarantee goes as followed.
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You will receive a full refund. (minus the document processing fee) under the following circumstances:
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If we do not remove anything from your credit report and you've obtained our services for 180 days.
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You have not used a credit-consulting agency nor attempted to repair your credit at least year previous tosigning up for our services.
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You have had no new collections, charge offs, or missed payments during the time frame we are assistingyou.
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You have maintained the recommended credit monitoring services at all times during the time frame we're helping you.
Contact Info
E: admin@brightfuturecreditsolutions.com
P: 877-799-8699
F: 636-200-2893
We are available:
Monday..........9am-6pm
Tuesday.......... 9am-6pm
Wednesday.... 9am-6pm
Thursday........ 9am-6pm
Friday............. 9am-6pm