The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.  

ESV Proverbs 21:5

How Can We Help?

Frequently Asked Questions

WHAT IS INCLUDED IN THE FREE CONSULTATION?


We will review your 3 bureau credit reports, discuss your goals, explain program requirements and items needed and determine a plan of action to see if we can be of assistance. Consultations are always free.




ARE THERE ANY START UP FEES?


Yes. There is a one time initial set up fee. Thereafter, we charge a flat rate monthly fee for services. You may cancel your contract up to 72 hours without penalty. In such case, a full refund will be issued.




WHO ARE THE CREDIT BUREAUS?


The 3 major credit bureaus are Equifax, Experian and TransUnion. All three agencies collect and house information about consumers reported to them by creditors. The information paints a financial picture of the consumer's credit worthiness. Creditors who report include mortgage lender companies, credit card companies, medical providers, school loans, child support agencies, auto financing companies, courts for bankruptcies, judgments and tax liens.




CAN YOU REMOVE ANYTHING FROM MY REPORT?


Lavern & Co. Consulting has been successful at removing bankruptcies, judgments, tax liens, late payments, school loans, medical bills, collections and charge offs and repossessions.




WHAT IS THE PURPOSE OF A DISPUTE?


To remove inaccurate and erroneous information that negatively impacts the credit health of the consumer. After a dispute is submitted to the credit bureau, it has 30 days to investigate. and respond to the consumer. Upon completion of the investigation, the disputed item should either be updated, corrected or deleted from the consumer's credit report.




CAN I STILL BE A CUSTOMER IF I AM NOT LOCATED IN TEXAS?


Yes, we provide Credit Restoration Services for residents nationwide (unless a restriction applies in a specific state).




AM I LOCKED INTO A CONTRACT?


No. However, you are required to sign a contract allowing us to act as power of attorney while in the credit restoration process. You may cancel your contract up to 72 hours after signing up for services without penalty. Full initial audit fee will be refunded.




CAN I RESTORE MY CREDIT HEALTH ON MY OWN?


CAN I RESTORE MY CREDIT HEALTH ON MY OWN?
Patience is a virtue! But you absolutely can restore your own credit! In fact, we encourage it. You have the right to dispute any information contained in your credit report that is inaccurate, unfounded, or incorrect. However, we are at your disposal should you decide you want to hire a company to do the work for you. We strongly recommend consumers become knowledgeable about their credit status. Therefore, we educate as well as empower consumers with financial literacy to help them obtain a better quality of life.




CAN I SIGN UP ONLINE?


Yes. Once you submit your contact information we will contact you within 24 hours to provide a free consultation and discuss a plan of action.




DO YOU HAVE A REFERRAL PROGRAM?


Yes! For every referral who signs up we will credit your account $5.00 towards your montly bill. Just have them mention your name.




HOW DO I PAY LAVERN & CO. CONSULTING SERVICES?


Our payment methods are as follows: cash, cash app, venmo, paypal, square for Visa/MC and Zelle.




HOW LONG DOES THE CREDIT RESTORATION PROCESS TAKE?


Although, we have been successful within a shorter timeframe, the credit restoration process can range from 7-10 months.





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