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You are dealing with complex or persistent negative items
You value correct process over shortcuts
You have 2+ derogatory items on your credit report
You have a major purchase coming up (home, car, business loan)
You want expert execution, not just education
You want to be "ALWAYS APPROVED" for whatever it is you desire!
You do not want to take legal action
You are looking for instant fixes
You are unwilling to follow a structured process
You only have 1–2 simple inaccuracies that can be handled through education
You are looking for a $99 dollar a month letter mill service
You Love "SUBPRIME" rates and denials

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