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One of the biggest differences between ADM and our competition is our philosophy on maintaining open credit accounts during the Credit Restoration and Debt Negotiation process.  This is done because your payment history makes up a full 35% of your FICO score!  Without your current accounts being paid ON-TIME, your credit score will significantly decrease.

Another factor in your FICO score is your length of credit history.  Once your accounts are charged-off, they no longer count on your length of credit history, only open accounts do.  By a Debt Negotiation company telling you to save money towards settlements by ignoring your current credit cards, they are negating a FULL 50% OF YOUR FICO SCORE!  Don't fall into this trap!  Please refer to the pie chart below.

As you can see on the chart, the second biggest factor in your FICO score is the amount that you owe.  We negotiate with your creditors to lower the amount that you owe, sometimes by as much as 70%!  By paying these accounts at lower amounts, we significantly reduce the amount of debt that you owe, and save you cash!  Paying these accounts will also raise your FICO score because the amount of debt that you owe is decreased.

Through the use of our Credit Wizard© Program, we can increase your FICO score GUARANTEED!

Sure, you know your credit score can affect everything from whether you qualify for a mortgage to whether an employer hires you, but have you ever made a plan to consciously improve your score? If not, it can be costing you dearly.

"When it comes to mortgages, auto lending and credit cards, the higher your score, the lower the interest rate you're going to pay," says Barry Paperno, manager of customer service for credit-scoring company Fair Isaac, which created the widely used FICO credit score. So the time and effort it takes to improve your credit score could save you hundreds of thousands of dollars over the course of your lifetime.

No one wants to throw away money. But by failing to take steps to improve your credit score, you could be giving up thousands of dollars a year. The best way to improve a blemished credit rating is to pay your bills on time and keep debt to a minimum, says Paperno.

Sign up today, and start taking advantage of all the privileges of a high credit score!

 

Why ADM's Programs Are Better For Your FICO Score Than Other Debt Negotiation Programs

• We don't ignore your current creditors and saddle your credit report with late-payment marks and new charge-offs.
• We can negotiate with your creditors and possibly get them to delete a negative trade line on your credit report in exchange for payment.  Less negative trade lines means a higher FICO score.
• We know the laws pertaining to credit reporting, and can sometimes have a negative trade line on the credit report removed with NO ACTION by you.
• ADM will never recommend that you take any action that will harm your FICO score just for the sake of increasing our fees.  YOUR FICO SCORE COMES FIRST!

Here's a breakdown of how FICO scores are distributed across the U.S. population, according to MyFICO:

300-499 2%
500-549 5%
550-599 8%
600-649 12%
650-699 15%
700-749 18%
750-799 27%
over 800 13%

Where do you rank on the above list?  Where would you LIKE to rank?  We can help you get there!

Call us today at 1-866-423-5163 or e-mail enrollment@americandm.com today!