How it works
How we work to raise your credit score
Many companies glance at a report for two or three big items. We look at everything, explain it to you for free, and then work every inaccurate, outdated or unverifiable item, layer by layer.
Getting started
Getting started with your credit restoration
The analysis is free. Your only cost to get started is the fee the credit agencies charge for the report itself.
- Get your three-bureau credit reportWe order your merged report covering Equifax, Experian and TransUnion: $36 for an individual, $60 for a couple.
- We analyze every negative itemNot just the two or three big ones. We review each bureau line by line for every possible negative issue.
- Your free explanation and strategyIn a free one-on-one consultation, we explain your current credit situation and the best strategy for your goals.
Free credit reports are available from each of the three bureaus at AnnualCreditReport.com, and some banks will send one on request. A single report on its own rarely gives the full picture, which is why our free credit report analysis works from a merged three-bureau report.
Real results
We work to improve your credit score. For real.
We are thorough. We do not take the quick and easy approach of picking the two or three “big” items, the low-hanging fruit, to correct. Our credit repair starts with a complete review of your three-bureau report to identify every possible negative issue, and we pursue each one.
We are persistent. Cleaning up a credit report often takes repeated attempts, so we work at it layer by layer. A dedicated staff tracks each step of your file.
We are personal. Your call never goes to a call center where you explain everything all over again. You speak with someone who already knows your situation and the status of every action taken.
We stay with you. Reaching the best score possible is not always fast. We advise you, stand by you and see you through from start to finish.
What goes into a FICO score
Your score is more than one black mark
Your FICO score is not just about missing a payment or two. Five factors make up the score, so reaching the highest score possible means looking at all of them.
- 35%Payment historyYour record of paying on time
- 30%Amounts owedHow much of your available credit you are using
- 15%Length of credit historyHow far back your history goes
- 10%Credit mixThe types of accounts you hold
- 10%New creditRecently opened accounts and applications
Your program
What makes The Manning Group the right choice?
Based on your immediate and long-term goals, we design one credit and debt management program. We explain each step as we go and help you understand realistic expectations and the time it will take.
Thorough credit report analysis
We analyze your merged three-bureau report for every negative item, then walk you through the findings in a free one-on-one consultation and present a personalized Credit Management Profile.
Credit recovery solutions
Errors are common, so accuracy comes first. We identify the most damaging items and dispute anything inaccurate, outdated or unverifiable with each bureau, as federal law allows, and keep working until your plan is complete.
Debt solutions
Spending priority strategies, repayment escrow accounts and negotiated payment settlement programs, plus help with lower interest rates, collection accounts and late payments. Learn more about debt management, or let us teach you to do it yourself.
Credit literacy and ongoing consultation
Periodic reviews of your credit report, one-on-one consultation on most financial matters, Stacy’s books and the Comedy Credit Clinic, so you can use credit as a tool instead of letting it control your life.
After your analysis
A clear plan, with the cost up front
After analyzing your merged three-bureau report, we meet with you one-on-one to explain the negative findings and present your personalized Credit Management Profile.
- Clear priorities. A plain-language view of which credit and debt needs to tackle first.
- A complete strategy. A plan that addresses every negative item on your report.
- Your options and the cost. Pricing depends on the severity of your situation and the amount of work required, and you know it before you decide.
- Realistic milestones. Help judging when you should be able to rent or lease, buy a car or get a loan approved.
The Manning Group, Inc. · Since 1983
Don’t leave good credit to chance. Leave it to us.
Start with a free 15-minute credit analysis. No pressure, and no false promises: just a clear look at where you stand and what it will take.
Or call (972) 458-9100 · toll free (888) 458-9100