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Todd Swick
Executive Financial Credit Services
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Todd M. Swick has been a business owner since the age of seventeen.
His accomplishments include owning several businesses from Athletic
Clubs to Restaurant and Café chains. As a Licensed Insurance Agent
in 30 states, he managed the largest RV, Boat, and Special Lines
Insurance Agency in the country, working with over 2000 financial
officers nationwide. Todd has succeeded in every venture he put his
heart and mind into.
Now, with over 1.1 million homes in foreclosure status nationwide,
he’s conquering the Credit Restoration Industry. Todd has been a
credit specialist for a couple of years and after being recruited as
a partner of Executive Financial Credit Services in 2007, he has
taken the company to a new level of success through reaching the
public with his unique Affiliate opportunities. Todd is very
passionate about the health of the common American’s Credit Profile.
His innovative approach to Credit Repair benefits 9 out of 10
Americans. Most of which are good people who have been the
victim of predatory lending tactics, identity theft, employment
lay-offs, bad divorces or business partnerships. He believes
everyone deserves a second chance. Repairing your credit and
increasing your credit score is the first step toward reaching your
financial goals.
Industry Leading Results!
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For
Example...
With
an average first round Fix/Deletion rate of over 30%, we
average one of the highest in the industry for the first
45 to 60 days of service! |
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Credit bureaus insist that
individuals cannot repair their credit without waiting years for
negative items to be removed. DO NOT BELIEVE THEM! In the first
round alone, our numbers speak for themselves. Negative credit
listings are deleted from people's credit reports each and every
day, and disputing items on your credit report in YOUR LEGAL RIGHT!
Start Living the
American Dream
with
PERFECT CREDIT!
How Does a Low Credit Score
Affect Me??
Over 70
million Americans suffer from negative credit. It's the number
one cause for consumers losing home loans, auto loans and RV
loans, even JOBS! Most of us don't realize the impact that bad
credit can have on our lives until it is too late. Even if you
have good credit, inaccurate information can show up on your
credit reports at anytime. In fact, recent research by Consumer
Reports found that more than half of the credit reports studied
had severe enough errors to cause much higher interest rates
than the consumer deserved. The chart below is a perfect example
of how a low credit score will cost you thousands of wasted
dollars in needless interest.
Understanding Your Credit
Score
Credit scoring
is based on many factors that may include:
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Amount of Available Credit |
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Payment History |
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Recent Requests for Credit |
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Amount of Credit
Currently Being Used |
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Length of Credit history |
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Variety of
Available Credit |
Frequently Asked
Questions
Why do
my 3 credit scored vary?
Not all
creditors will report to all 3 Bureaus because it costs them
more money. Some report to only one bureau.
Should
I pay off my bad debts first?
When we
delete a negative or derogatory item, the actual debt
remains, but paying off an old collection does not improve
your credit score. Not one point.
If I
paid a collection, judgment or Tax Lien, why is it still on
my credit report?
All
derogatory items remain on your credit report for a minimum
of 7 years, paid or not.
Is
Credit Repair Legal?
Yes, you
are given the right under the Fair Credit Reporting Act (FCRA),
including the right to challenge inaccurate, misleading and
obsolete items appearing on your credit report. 85% of all
information reported to the Bureaus has inaccuracies and
errors whether the accounts belong to the consumer or not.
How is
Executive Financial Credit Different from Other Credit
Repair Companies?
Not only
do we dispute items with the three credit reporting
agencies, we also send disputes directly to your creditors,
collection agencies and even courthouses. We do the 100%
full disputing process, not just a simple bureau letter
dispute. We do not charge any extra for our direct dispute
approach!
Please Note: This is not a guarantee that
all items can or will be removed. No credit restoration
company can legally extend a guarantee that they can remove
every negative factor from every persons credit report.
However this is a SERVICE guarantee that Executive Financial
Credit Services will make every reasonable attempt to have
as many negative factors as possible removed from your
credit history within a reasonable amount of time.
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24/7
Online Access to YOUR ACCOUNT!
Stay up to
date on all activity on your account. You can
log into your credit "back office" and see
exactly what progress is being done on your
account. Our clients also receive automatic
email updates whenever action is taken. |
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Executive
Financial Credit Services is a firm helping
hard working men and women repair their credit
reports. We help thousands of Americans repair
their reports by removing inaccurate, misleading
or unverifiable items for them. From
bankruptcies to charge offs, we have challenged
and deleted such items with ease. Put us to
work for you. |
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