About Rich Black & Associates

Our programs are designed to help you with your financial consulting, and have everything you need to get optimal results. We don’t compete in the financial consulting industry, we prefer to dominate it. We strive to be the best and feel our competitors don’t come close to the amazing level and breadth of service we offer. Our goal is to be far beyond your average financial consulting company, and strive to get even the largest companies out there to seek out our services. Our commitment to excellence with every client is what sets us apart. We command superior knowledge, inside information, cutting-edge technology, and employ credit specialists that are trained and certified to meet and/or exceed the Fair Credit Reporting Act’s requirements of service and transparency.

FREE CREDIT CONSULTATION

Every Rich Black & Associates client is allowed to receive a free consultation with one of our financial consulting specialist. It is part of our commitment to you that we not only evaluate your credit report, but we also build a custom-tailored strategic plan to help you achieve a better credit report and score. We will encourage you to be proactive about your credit score and your credit report from the moment you begin one of our financial consulting programs. The best way to avoid a personal credit crisis is to stop a problem before it happens, so start planning ahead to have a brighter credit future.

SAME-DAY SERVICE​

Rich Black & Associates is able to provide special same-day service via with our expedited service plans. Our expedited service plans ensure that our client gets priority same-day service throughout the disputing process. We’ll organize and set up your case the same day you sign up, and we’ll prioritize your case while still maintaining accurate secure data processing and outstanding customer service.

CREDIT INQUIRY DISPUTES​​

Each credit inquiry can affect your credit score from 20-50 points! We can dispute all of your credit inquiries and get your credit score even higher. It is vital that your report is clear of all credit inquiries to help you reach the credit score that you deserve.

PERSONALIZED CUSTOMER SERVICE​​​

Everyone of our clients gets assigned a dedicated Credit Specialist who will work with you on your credit file. From day one, you will be able to contact your dedicated Credit Specialist at the push of a button. There are no automated operators and you get to speak to a live agent at all times.

87%

Successful
Applications

94%

Return On
Investment

100%

Completely
Secure

Any Questions?

Credit restoration is a process where we dispute any misleading, inaccurate, incomplete and unverifiable information being reported on your credit report. We request the credit bureaus and credit reporting agencies (CRA’s) to verify any information we requested.

With identity theft at its highest, it is becoming very difficult for consumers to maintain great credit. That is why consumers are protected by certain laws that allow them to dispute certain items that can be inaccurate and it is in your complete right by law to do so.

We successfully challenge any inaccurate items on your credit report with the credit bureaus and (CA’s) with expertise tactics. The (FCRA) law gives the credit bureaus a period of no longer than 30 days to verify if the information is accurate. If the credit bureaus don’t provide the results of their investigation within the 30 days allowed then the information must be deleted!

That depends on your unique circumstances. However, we have a proven track record for success, with more than 95% of our clients seeing a 30-50 points or more increase in their credit score within 30 days. After 120 days more than 95% of our clients see their FICO score increase by more than 150 points.

Your credit score is determined by an algorithm developed by the Fair Isaac Corporation (FICO). Items taken into consideration when determining your credit score include payment history, debt ratio, credit history, inquiries, and types of credit accounts.

Credit is deemed “bad” if there is a history of late payments, delinquencies, charge-off accounts, defaults. However, errors on your credit report can also cause bad credit, even if you’ve been financially responsible.

It generally takes 30 to 45 days to see results but remember, no three credit reports are alike and results will vary from client to client depending on the nature of their case.

Absolutely. The credit repair specialists at Rich Black & Associates have expertise in helping to remove inaccuracies on credit reports. We challenge all debts that are unverifiable, outdated, misleading or questionable. We work tirelessly to help you have these errors removed from your credit profile.

We can request for a “fraud alert” to be placed on all 3 credit bureaus (TransUnion, Equifax, & Experian) for a period of no less than 90 days. We can also extend the fraud alert for up to 7 years and it may be removed at any time.

Financial Freedom Begins Here.

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