Program Description

Become an Affiliate: To become an affiliate click here or call 1-866-440-6344

Testimonials: Read what people are saying about PCU. Read testimonials

Printable Materials: Go to the Printable Materials page.

I was skeptical when I started working with your firm so I sent a few test clients over (most of which were family and friends). The dramatic impact you made on their credit scores blew my socks off. I am now referring any borrower I see with a score below 680 to your services. I am completely confident in what you can do for my borrowers.: J. Brown – Loan Officer
Even though I had a decent credit score to start with I still needed my scores to be above 720 for the investment opportunities I was seeking. Thanks to your great service and the advice from your credit advisors I am proud to say that my mid-score is 731. Many thanks.: E. Hansen – PCU Client
Read more testimonials

The Credit Unlimited Affiliate Program

The Credit Unlimited affiliate program was designed to help mortgage professionals close more loans by improving their borrowers credit scores . We aim to provide life changing results for our clients and to keep our affiliate partners completely updated on their case status and credit scores so they know exactly when their borrower is ready for a loan.

Good candidates for our credit services –

Turn Downs: Borrowers who have credit scores too low are excellent candidates for our program. Through our service we can help these potential borrowers increase their credit scores enough for approval in a short amount of time.
High Rate Approval: We work well with Borrowers who can be approved but are dissatisfied with the interest rate or program their credit qualifies them for. In just a small amount of time we can help get these potential borrowers credit scores high enough for approval with a suitable interest rate.
Real Estate Investors/Self employed: For these types of borrowers who need fast easy no document approval, a high credit score is vital. We work with many borrowers in this category to make sure they have the highest credit score possible.; Back to top

Client Monitoring

We pride ourselves in our methods of keeping our affiliate partners updated on their borrower’s cases. Each affiliate will receive access to our interactive online tracking system. By logging into this system our affiliates are able to see the status of their clients’ cases including: updated credit scores from all three bureaus, a breakdown and a detailed list of deleted negative items from their reports.

About Credit Unlimited

Mission Statement

Pure Credit Unlimited is committed to supporting individuals and families to improve their lives through the improvement and wise use of their credit.

Credit Unlimited is a credit restoration firm specializing in defending consumer credit rights, successfully removing negative listings from credit reports and raising credit scores. Over the pas 4 years we have successfully removed hundreds of thousands of negative items from our client’s credit reports. From bankruptcies to late pays, we have challenged every kind of negative listing and had excellent success in removing them.

Credit Unlimited has been practicing credit restoration for over 14 years and has offices in Utah and Wyoming. Although not an official law firm, all our client services is overseen by attorneys to ensure we are providing the best results for our clients.

Credit Unlimited Service

Client Services: We find that our client success rate goes up when an affiliate partner understands the process of being a client of ours. Below is a step by step description of what our clients experience.
Credit Consultation: Upon receiving a client’s contact information we set up a consultation. During this consultation we discuss their current credit situations and goals then determine if our service is a fit for their needs. We also concentrate on educating them about credit, debt and other financial knowledge. If we determine a client is not a fit for our service we send them our do-it-yourself credit repair kit free of charge.
Case Manager: Once a client signs up with our service we assign them to a case manager. The job of a case manager is to over see the credit restoration process. The case manager will be the direct contact for the client and be conducting the necessary case work.
Communication: We strive to keep our clients completely in the loop on their case status. We will be sending emails to them each time we take an action on their behalf, from a borage of welcome emails to updated credit report and credit score emails; our goal is that our clients know where they stand at all times. We also give our client’s access to their case, personal and billing information, through our client website.
Case Evaluation: The first step in our process is to evaluate our client’s credit reports and identify any information that is damaging their report or lowering their score. Once these items are identified the client’s case manger will enter them into our system and devise a strategy to remove them.
Disputing/Investigating: Next, based on the findings of the credit evaluation we will start correspondence with the three main credit bureaus (Equifax, Trans Union, Experian). The goal of this correspondence is to force an investigation into these derogatory items with the creditor and ultimately a removal of the listing. All our correspondence on our client’s behalf is in accordance with the FCRA (Fair Credit Reporting Act).
Updates: Once the disputing and investigating by the Credit Bureaus is complete they will update the client’s credit file. We will access the new updated credit reports and log any deletions or changes that have occurred into our system.
Re-evaluate and Re-dispute: Once the new updated information is entered into our system the case manager will perform another case evaluation. Once the evaluation is complete we will identify new listings to dispute or re-dispute the current listings we are working with utilizing the new updated information.
Summary: We will continue the process of disputing and re-evaluating repeatedly until our client’s credit scores are in the desired range. Our client’s are responsible to provide updated credit reports to their case manager. They have the choice to mail any correspondence they receive from the bureaus to us or to enroll in the True Credit system to eliminate any necessary participation on their part.; Back to top

Results

Our Results

Most of our clients participate in our program from 4-8 months. We suggest that clients with a bankruptcy on their report participate in our program for a 1 year period.

On average our clients see the following deletions from their reports:

2-4 months 10.77 deletions
4-6 months 15.15 deletions
6-9 months 25.80 deletions

These averages are based on the total negative items removed from all three credit bureaus. We offer our client’s the option to increase the speed of their case by as much as 35% through our fast track system.

Faster Results

At Credit Unlimited we live by our results. If we are unable to provide the results promised we have unhappy clients which in turn makes unhappy affiliate partners. With this in mind we offer our clients an option that eliminates any necessary participation and speeds up the case progress by 35%. Call for more information about this program 1-866-440-6344.

Warranty

At Credit Unlimited we are committed to providing top notch service and excellent results. We stand behind our service and offer a money-back warranty if we are unable to remove enough negative items.

Warranty Explanation

After you have been a client for 12 consecutive months, you can request an evaluation of your account. You must send us current credit reports. We will calculate the total value of all successfully deleted and/or improved items and compare that amount to the fees you have paid us. If what you have paid exceeds the value of deleted items we will reimburse you the difference.

To determine the total value of our service we count the number of items we successfully deleted from your credit report and multiply that by $50 per item. This does not mean that we will charge $50 in addition to our regular fees. Rather, we use the value of $50 per deleted item to determine if we created spectacular value for you (or not.)

The warranty is perhaps best communicated by example.

Imagine that after 12 months we have deleted only 3 items from your credit reports. You started with 20 negative items, 17 of which remain. Your refund would be computed as follows:

Your cost for 12 months:: $649.40 ($99.95 initial + 11 months @ $49.95/ea)
Value of services rendered:: $150.00 (3 deletions @ $50.00/ea)
Amount you owe:: $0
Amount you get back:: $499.40

Now imagine that after 12 months we have successfully removed 19 of the 20 negative items on your credit reports. Your refund would be computed as follows:

Your cost for 12 months:: $649.40 ($99.95 initial + 11 months @ $49.95/ea)
Value of services rendered:: $950 (19 deletions @ $50.00/ea)
Amount you owe:: $0
Amount you get back:: $0

While the example above shows results which are lower than our average participating client (i.e., average results yield much better dispute-to-deletion ratios) it is a good example of how the warranty works. Please note that when our results exceed the warranty amount (and your expectations), you will not owe more money. The warranty evaluation is intended to reassure you that Credit Unlimited has a stake in helping you achieve a high level of success.