It is time to get lucid about your credit report and gain control over your credit profile!
Stop letting a weak credit score rating hinder you from reaching your dreams. We work with you to get the credit profile of your dreams.
I KNOW THAT YOU ARE TIRED OF…
feeling defeated when you keep getting denied when applying for loans
feeling confused about how to deal with your disputable loan objections and suspicious default listings
feeling overwhelmed with your sky-high credit card interest rates
AT LUCID CREDIT SOLUTIONS, WE HELP YOU BUILD THE CREDIT PROFILE OF YOUR DREAMS!
3 Easy Steps To Getting Out Of Debt
“ I saw a difference in my credit score right away! Looking forward to seeing more changes. I surely couldn’t have done it myself. ”
“I get why they are named Lucid. From beginning to end the process was easy.”
Clients of Lucid Credit Solutions are able to…
✓ enjoy the life they deserve
✓ have an active part of their credit improvement process
✓ make better money management decisions in their lives
✓ have their credit problems be heard, understood, and resolved
✓ understand what lenders like to see in a credit report and have an action plan on how to achieve that
Giving up on your finances is not an option.
Lucid Credit Solutions, LLC is a credit repair and improvement service company that manages your credit report, analyzes the report for unfair default listings, and negotiates your debt situation on your behalf. My mission is to help my clients clean up their credit report and restore their credit profile to its most accurate version with clear communication, transparency and guidance every step of the way.
All of the credit restoration practices that I do for my clients are the same ones that I have done for myself. I have taken the time to learn and understand the factors that impact your score, how to remove compromising listings, and how to maintain healthy financial practices resulting in a strong, healthy credit score for 15 years.
PROFESSIONALISM
SIMPLICITY
TRANSPARENCY
CLARITY
WE KEEP IT SIMPLE. WE KEEP IT LUCID.
Here’s how…
Basic
Clean Up
If you have a weak score and very little time to fix it, this package is the best solution for you. You are in need of a quick and effective fix to resolve a specific situation to help you achieve a specific result. ÂÂÂ
✓ 3 bureau-audit analysis
✓ 24/7 client portal access
✓ Credit monitoring
✓ Late payments
✓ Hard inquiries
✓ Personal information documentation
3 months
Start-Up Fee = $79.99
Monthly Fee = $59.99
Advanced
Clean Out
If you have a low credit score and have a little more time to fix it, this package is the best solution for you. You are frequently dealing with high-interest rates and constant denials due to your credit profile. You are in need of long-lasting and notable improvements to your credit score with a higher probability of approvals.
✓ Clean Up Package PLUS
✓ Collections
✓ Charge-offs
✓ Medical bills
6 months
Start-Up Fee = $114.99
Monthly Fee = $79.99
Premium
Clean Slate
If you have an incredibly low credit score and a lot of time to fix it, this package is the best solution for you. Your credit report has been greatly affected by heavy listings, such as bankruptcy, repossessions, and foreclosures. You are ready to cultivate a new and clean credit profile based on your personal situation.
✓ Clean Out Package PLUS
✓ Repossessions
✓ Bankruptcies
✓ Public records
✓ Child support
12 months
Start-Up Fee = $179.99
Monthly Fee = $119.99
There is no one-size-fits credit restoration action plan because everyone’s credit profile and history are different.
Pricing will be tailored to fit your unique situation.
3 simple steps to get started!
Schedule Your Free Consultation Call
On this free 15-minute consultation call, we will discuss your specific needs to ensure that Lucid Credit Solutions is the best solution for you. After the call, I will send the agreement and invoice for the start-up fee to get the process started.
Get Your Credit Report Analysis
Create an account with SmartCredit to retrieve immediate access to the latest version of your credit report.
You Can Sit Back And Relax
Once the agreement is signed and the invoice is paid, I will start your personalized credit restoration action plan while you sit back and relax.
MY PROMISE TO YOU IS TO…
✓ help you build the credit profile of your dreams
✓ be by your side and guide you through the process
✓ elucidate the path to fixing your credit report and restore it to its best version
✓ make credit restoration and improvements to your report and provide you with an action plan on how to better manage it for the future
Common Questions
-
Using the financial means of another party. When you apply to any financial institution for a loan, mortgage or credit card, you need to provide evidence of the ability to repay, and a history of repaying past credit. You can get better terms with lower interest rates if you have good credit ratings, but with a poor credit rating, you may not get credit at any price. Building a good credit record is important to achieve many desirable goals, such as homeownership, vehicle financing, and various forms of wealth building.
-
The process of cleaning up inaccuracies on your credit profile, removing wrong or inaccurate information, protecting your identity, and becoming more informed on your credit issues. If you repair your credit profile, it is likely your credit score will improve, and thereby will obtain better interest rates and save money.
-
Your credit profile will influence your qualification for credit in the future, and could possibly affect rates for your current credit lines. Accordingly, if your credit report is incorrect, the reparation of the credit file will help improve your chances. A good credit score helps you obtain a lower interest rate and better terms on loans (home, car, etc.). Lenders may charge high-interest rates or impose undesirable repayment plans for you. Given the stakes and the consequences involved, it is clear to your advantage to work toward recovering from a bad credit rating.
-
Credit Bureaus are companies that maintain records of your credit lines and performance.
Records go back seven years, and up to ten years, for bankruptcy data. Creditors, banks, mortgage companies, and other financial institutions supply this information to the credit bureaus, and they compile them into a credit report. A credit profile has details of how you have managed credit in the past, so other lenders can judge your creditworthiness.
-
The process of removing inaccurate, unfounded, out-of-date, false, and erroneous information from your credit profile. Your credit profile dictates your credit score. The 3 major credit bureaus collect information from lenders, creditors, and debt collectors and apply it to your credit profile.
Based on that information, your credit score is determined. This information could include the balances on loans or credit cards, credit inquiries, debt-to-income ratio, and most importantly, credit utilization.
-
A general timeline is between 3-9 months, though sometimes it may take a bit longer or even a shorter time frame. While we try to remove inaccurate, unfounded, out-of-date, false, and erroneous information as quickly as possible, it is impossible to give an exact timeline as each case is different. The more items we are fighting to remove, the longer it might take.
