Prestige Credit Services (P.C.S.) is a Registered and Bonded Credit Services Organization that works on negatively impacted credit profiles.

Blending our state of the art technology with good old-fashioned customer service keeps us as the leaders in our industry.

What we do
Work with your negatively credit impacted files to remove erroneous, disputable and or obsolete credit information, that appears on your public issued credit reports. We pride ourselves by building everlasting clients for your company by going after permanent deletions. We go directly to the source (banks, collection companies, etc) to obtain deletions and amendments thru their own systems, once a derogatory mark gets deleted directly from the source, its considered a permanent deletion and will not reappear on your borrowers report. We dramatically and permanently increase your clients credit scores in as little as 45 days, all backed by our 100% money back guarantee.

Unlike traditional credit repair, our services have been designed to streamline the raising of the your credit scores. We do not just "Dispute" derogatory trades in hope that the derogatory comes off, just to have them reappear a couple on months later.

We offer different services for different needs. We can do traditional credit repair by disputinfg to the credit reporting agencies in 2 different ways. The first is a traditional letter writing campaign the other is a electronic approach to guarantee the disputes will reach the credit reporting agencies. We can utilize any of our programs to raise your credit scores in a timely manner.

Here are a few of the programs and procedures that we have been using to help Consumers, Brokers, Realtors, Lenders and Financial Planners for the last 20+ years;

Mortgage Lates
You know the drill, no matter how good a credit score is one recent mortgage late within the last 12 months can stop you from getting a loan.

Trade Lines
Recent lates on credit cards, auto loans, installment loans and other traditional trade lines can stop a borrower's score. Our years of experience along with the on going relationship we have created with lending institutions will help increase your clients score in a very short period of time.

Foreclosures
Notice of defaults- Judgments - How can you get a client funded that has a Foreclosure on their record? Most of the time, you can't.Foreclosure are at an all time high, we can assist with the permanent removal of a Foreclosure off of your credit report.  We can permanently remove these loan-stopping problems from your credit reports.

Bankruptcy Re-listing
Thousands of potential loans are overlooked every year when a Broker or lender looks at a credit report with a low score and a bankruptcy attached. Those days are over! On the average our BK Re-list program yields qualified borrowers and increase in credit scores in 45 days! Most consumers think that their low credit score is due to the BK, but in reality it is a mis-categorization by the Bureaus by showing accounts that were included in Bankruptcy as current open collections. Let us help show you and your borrowers that there is "Life after BK".

Charge-offs and Collections 
A lack of education tells the average person to pay-off charge-offs and collection accounts. When a consumer pays off a collection account all that the credit report reflects is a zero balance, but all the derogatory information showing that the account was a collection/charge-off, profit and loss etc... still remains after payment and does very little to increase the score. In fact in some instances, it can actually lower a score by the collection company re-reporting the account. Our team handles collections by first negotiating the amount (whenever possible) and more importantly we use the money and our techniques to leverage out a deletion or amendment letter in exchange for payment. This is what increases your borrowers score, not just making it read as a paid collection/charge off.

Education
We at Prestige Credit Services have always prided ourselves on educating our brokers/lenders and the consumers. The Matrix that creates the credit score is very complicated at best. The more your team, or a consumer knows,  the more they can identify these loan-stopping problems. With our help the client can be credit worthy and now a transcation can be closed.

You would be surprised at some of the miss-conceptions some of your teammates may have! Credit is more than a score and there are many factors that make up the score, but in the Financial World, a higher score means more closed loans...

Our final goal is simple. It's to help close more loans and build permanent clients that will think of you and your company for all their financial related needs. By the way, these are also the clients that know you took the extra step to help them and refer everyone they can.

Where do we go from here?
Contact our office or email us to introduce yourself and so we can assign a exclusive Credit Analyst. They will also be forwarding to you our most current price sheet along with various credit scoring guides that will help you better understand today's Credit Scoring Matrix.

Please feel free to call us with any questions you may have and we hope to build a strong and profitable relationship with you and your company. Keep the edge in our current market by joining the thousands of brokers and financial experts using Prestige Credit Services Nationwide.

"YOUR CREDIT SOLUTIONS PARTNER"