Company: Veracity Credit Consultants
Location: Denver, CO
Veracity Credit Consultants Review:
Veracity Credit Consultants is a credit repair agency catering to consumers who are in need of a credit boost. The company offers two different plans that can improve bad credit scores and repair credit histories.
The Select plan offered by Veracity includes a free credit report, a consultation with a credit counselor, an analysis of credit report information, and relevant disputes with the credit reporting agencies for inaccurate information contained in a credit report.
The Platinum Plan offers all of the features of the Select Plan but it also includes a specialized intervention plan with creditors, a personalized optimization plan, customized disputes, and the priority processing of those disputes.
Each consumer receives a free consultation with a qualified credit counselor to review current credit information. A plan of action will be based on the consultation and clients will register for an online account with the company. This account is available for review 24/7. Account representatives with provide updates on the account that customers can view at any time during the credit repair process.
Veracity also offers credit education in the form of online courses through Veracity U. The site contains credit-related information in articles, blog posts, ebooks, and other link resources which can provide more in-depth credit information for consumers.
Program Pricing (as of 12/2011)
The Select Plan costs $69 for the initial set up fee and a $49 monthly fee is charged after services have been rendered. With the Select program, you will be entitled to a credit report that you will have access to view and dispute letters sent to the credit reporting bureaus.
The Platinum Plan costs $79 per month and incurs a $99 initial sign up fee and includes the dispute letters to credit reporting bureaus as well as intervention letters that go out to creditors.
Free consultations are provided in both packages as well as the convenience of online account management at any time. Veracity has a no-hassle cancellation policy which allows customers to cancel services at any time. Couples that register for services together are entitled to a discount on their membership programs for services.
Veracity U is the online portal included in the program pricing where consumers can do their own research about credit regulations and tips for keeping credit scores good and histories accurate. The company also provides free weekly emails which are filled with the latest news on the subject of credit repair and monthly progress reports are issued through the customer’s online account system.
Veracity does offer a lot of credit educational tools to help consumers master their own credit. With the initial help provided by Veracity’s credit counselors, credit scores can improve for the consumer and then continue to remain steady without further payment for credit services. Veracity’s weekly emails and Veracity U portal give access to credit protection and rights information to consumer who may not realize what is involved with their credit profile.
Veracity does charge monthly for their services and with the higher tiered plan the costs of services do increase. Disputes to the credit bureaus can be done by the consumer but Veracity also offers initial consultations and credit score evaluations and may be able to formulate a more effective plan to improving consumer credit. The online access to accounts will make it more convenient for customers to follow along with the process and stay up to date on their credit improvement work.
The credit repair services may be a good first start for consumers looking to maintain better credit scores for their financial life, especially if they plan to seek financing in the near future. After the counseling and credit help, consumers can then take the reins of the own credit profiles and continue to improve their financial situation.
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