Referral Program

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We average a 60 point credit score increase by working with you, your creditors and the credit bureaus. Our services are used by representatives from Bank of America, Washington Mutual, Wells Fargo and more. We offer a full money back guarantee. You have nothing to lose.

 

Let us help your customers before this happen.

 How can YDEAS help your business?

First: Your revenue will increase. Since the credit score will no longer be an obstacle, you will be able to close more loans.

Second: You will be able to refinance current clients who were approved with less-than-perfect credit, because the higher credit score will put them in a different rating bracket. They will now qualify for a better program, which will allow you to show them substantial savings on paper.

Third: You will be creating goodwill with your clients by being the person who helped them better their lives. This, in turn, will mean more referrals from them.

Fourth: We will keep in touch with you via email to monitor the progress on your clients’ files. This will enable you to take an active interest in the lives of your clients and position yourself as a true trusted advisor.

Fifth: The mere fact that you will be receiving these emails about your clients will prevent you from forgetting about them and give you the opportunity to follow up if you so choose. Moreover, you will have something to talk about with each client, since both of you will have the same status updates.

How long does it take to increase a credit score?

The amount of time needed is different in every circumstance, usually varying between two to six months to remove up to 100 percent of negative items from a credit report. On average, we remove 60 percent of negative items with a subsequent FICO score increase of 60-100 points in 90 days.

YDEAS has been an integral tool for my clients in helping them repair their blemished credit. Many instances have arisen where my clients have had less than perfect credit preventing them from obtaining their lifelong goals of owning a home. YDEAS has gone above and beyond time and time again not only by servicing my clients credit accounts but also by coaching them throughout the repair process on how to maintain their credit and answering any questions they may have throughout the credit transformation. If you are looking to repair your credit look no further as YDEAS gets the job done the first time around and does not give you false expectations like other “credit repair” companies often do.

Mark Simmons – Bank of America

What is your money back guarantee?

Our money-back guarantee is easy to understand. We will refund 100 percent of your borrower’s money if we do not remove at least 25 percent of the negative items from the credit report with-in six months of the time we begin work on your borrower’s file. There must be four negatives on the report when the retainer agreement is signed for the warranty to apply and neither the borrower, nor a credit repair company acting on their behalf, may have made attempts at credit repair. Also, unpaid collections and charge-offs do not qualify for the warranty.

How long does your service take?

We work on our client’s file for 6 months. Dramatic results usually occur with-in the first 35 days.

Will you get 100 percent of negative items removed?

Our company has been successful 100 percent numerous times. We average between a 60 and 80 percent success rate at removing negative items from the credit report.

Why do the results differ?

YDEAS uses consumer protection laws to the fullest extent on your borrowers behalf. Sometimes credit bureaus, creditors and collection agencies provide what the law requires, sometimes they do not. Our company is completely thorough every time in enforcing your borrower’s rights, but credit bureaus, collection agencies and creditors are inconsistent, causing results to vary.

YDEAS has truly helped my clients achieve their financial dreams and purchase the homes they will cherish for a lifetime. Thank you YDEAS for the hard work and dedication you provide to each and every one of your clients.

Philip Choi – Navy Federal Credit Union

How much will you increase the credit score?

Our average (mean) is 60 – 200 points with-in three months, although we have been successful as 580 points. Although derogatory items on the credit report are a factor, there are many other factors in formulating a credit score. Even if we remove all negative items from a report, a credit score may only increase 40 points due to other factors affecting the score, such as: length of credit history, credit mixture, outstanding balances and number of inquiries.

What items can you remove from a report?

Bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, identity theft and student loans.

Help them get here for less saving you even more.

What can’t you remove?

We can work to remove any item that is not 100% accurate.

Will the removed items ever come back?

No, as long as the item is current or paid at the time of removal or the collection is older than three years. This holds true except in very rare circumstances.

Due to all the hard work and help I have been able to start the process of becoming a first time home buyer and give my kids a room of their own. We will finally be able to paint walls, and set up our yard since we will no longer have a landlord telling us what we can and can’t do. Thanks so much for all the hard work!!!!

Sara J.

What risks will my borrower be taking?

None. The worst we can do is improve the credit and not fulfill our warranty, in which case your borrower will receive a full refund. The best we can do is substantially improve your borrowers credit score and potentially save them hundreds of thousands of dollars in interest.

What risks will I be taking?

None. You are leaving you clients in the hands of a company that will treat them professionally and courteously. Best case scenario, you will give your client a loan they never thought possible. Worst case scenario, your client gets there money back with an increased knowledge of how the FICO score works and what they can do in the future to raise their score.

How do I refer business to YDEAS?

First, call the client and ask if you may email his or her credit report to YDEAS in order to get a free credit evaluation by one of our Account Executives.

Then, email the credit report to the Account Executive in your area (PLEASE BE SURE TO INCLUDE  ALL OF YOUR CONTACT INFO SO WE KNOW WHO SENT THE REPORT TO US)
Your Account Executive will then call your client to discuss the situation (or, if you specify, call you first) and contact you to discuss the results of our free consultation.

Help your clients help you.