Our Process – Loves Educational Services

Our Process!

We professionally assess your individual credit situation by procuring some basic information that
allows us to obtain a copy of your current credit report via “soft inquiry” so that it doesn’t affect your
credit score(s). Our staff of professionals will review the information we see and determine the best
method of credit clearing to utilize on your case. Our experience in working on your deletions allows
us to understand each step to take for the most advantageous results. Our team of financial literacy
experts help keep your credit score as his as possible. Our video tutorials demonstrate how to
create and keep a budget, how to use credit cards to maximize your credit score and much more.
Once you become our client, we begin the disputing process immediately. Your benefit is that we
handle the “entire” credit dispute process professionally and in an expedient manner for all three (3)

How it Works!

Loves Financial Services is well known and professionally recognized in the numerous lending
industries. Our best referrals are realtors, mortgage lenders, automobile sales representatives and
YOU! We have clients in most states and offer our services anywhere in the Continental United
States to you our valued client. Our reputation working with each of the three (3) credit bureaus,
Transunion, Equifax and Experian goes back as far as 2005, our inception.
After assessing your individual credit situation, we legally challenge each negative, derogatory and
incorrect item appearing on your credit report(s). We assist you in the process which takes some
time. No one can determine how long it is necessary to work on your case. Each circumstance is
different from the negative being challenged to the time it took place to the amount, date of
occurrence and the way its item is reported to the bureaus. Loves Financial Services “does not”
provide credit scores, we provide valuable “credit clearing”! We can advise you how to get your credit
You will have access 24/7 to all the work we are performing on your behalf. We will send you a
“welcome” letter upon inception, provide you emails on what we are challenging on your behalf and
continue to provide you with updates every 35-40 days. We ask that you call our office during these
periods and request from anyone that answers the phone an update on your file. This is part of our
process with you!

What Does it Cost!

Our charges are inexpensive, realistic and affordable! We charge $99.00 to begin our process of
setting up your file, making determinations and challenging your negatives and giving you access to
our financial literacy videos. Thirty (30) days later we charge an additional $99.00 to continue the
intensive process of helping you succeed in your credit clearing process. Should we need to continue
our efforts on your behalf, we drop pricing to $65.95 per month as a maintenance charge. We ask
you to sign a month-to-month agreement for our services. You can stop our process at any time you
desire by requesting a discontinuance of services. Please remember, we are not asking you to sign a
contract, but an agreement for us to work together as a team! Our agreement outlines what our
obligations are to you and what we expect you to provide to us. The TransUnion and Equifax credit
reports come directly to our office. The Experian comes to your residence. We ask that you forward
the original to our office to keep your Internet records up to date.