Geo Suris the owner of 365 Credit Clinic has made it his mission to encourage and motivate all the people to do everything they can to repair their credit. He discusses the process his business and gives some insight he planned for the future.
Hi Geo, How did 365 Credit Clinic LLC get started?
In 2013 right out of high school I wanted to help my father fix his credit and few other friends who had their credit damaged with collections. Without much knowledge I started studying FCRA/FDCPA credit laws and within a few months I submitted the first round of documents which i managed to obtain good results. Months after working on their cases. I was able to obtain my friend a $10,000 credit card. Once I saw what I was capable of doing. I knew I had to turn this into a business which converted over to a passion.
What kind of people are best suited to using your credit restoration services?
Honestly anybody that has negative inaccurate accounts impacting their credit should be suited for the credit repair process. Above 70% of people who have active credit scores and lines have atleast 1 negative account on their credit report. Just that one negative account on your credit score can hurt your credit over 100+ points as we seen before. My company currently services clients from all over the United States. We service all different races of people and genders, so this is for any and everyone needing help with inaccurate accounts.
Why do you think there is so much confusion about people’s right to dispute bad credit scores?
I feel that credit is truly a grey area that no one ever takes time to study or look into till most times it’s too late. We’ve all been taught the basic curriculum of what’s being taught in school but unless you’re taking classes or have received certain certifications for credit repair most people just don’t have a real reason to look into unless it becomes a need. That’s where educating people comes into play so that whether they choose to use our services or not they know their rights of disputing accounts.
What is your process for helping people dispute bad credit ratings and improve their score?
Before each client began using our services, I personally review each case on the phone or in office with the client. Providing them information towards what they have on their credit report and what we can offer on on our end. The client is well informed before they start the service. Each case is different which each case can take a different time frame to finalize.
On average, what kind of credit score improvements do your clients see after engaging your services?
Each client began using our services, I personally review each profile so the client understands their profile and what to expect. Most clients with a mix of inaccurate accounts and positive accounts most times see a major boost in credit. By law we cannot provide a time frame of how fast or how little the client can see results. Each case works differently. Clients that have several inaccurate accounts with no positive accounts normally have to focus on rebuilding their credit scores after inaccurate accounts have been removed which may require a few months. We offer different plans for each type of client to ensure they have the best package for their situation.
Do you have any future plans to expand your services?
Yes, We do have plans on expansion our offices eventually to other cities and states so that we can make sure we spread the word about credit education and provide more credit repair help to the clients in need in different states. We understand its important leveraging their credit can change their lives and the lives of their families as well.