If you have questions call 888-908-0779

"Good credit is no luxury, it's a necessity!"

We legally and permanently remove inaccurate and unverifiable information.
Results within 120 days or your money back.

Book Appointment

"Good credit is no luxury, it's a necessity!"

We legally and permanently remove inaccurate and unverifiable information.
Results within 120 days or your money back.

Book Appointment

How Does Credit Repair Work

Book Your Free Consultation

Working on Your Credit Report

Book Your Free Consultation

During your consultation our credit repair specialist will inform you about our program, answer questions you may have, and determine if our services are best for you.

Enroll Online or by Phone

Working on Your Credit Report

Book Your Free Consultation

After a successful consultation the next step is enrollment which can be done online or over the phone. You will gain access to our client portal to track updates each month, set up payment processing, and complete onboarding.

Working on Your Credit Report

Once enrolled, we create a plan to assist you in structuring your credit report by corresponding with credit bureaus, furnishers, and other establishments on your behalf in regards to accounts that you would like to challenge due to inaccurate and unverifiable information.

Financial Education

Working on Your Credit Report

While we are working on your credit report each month we provide you essential tools and financial resources in which you will work on building credit history and maintaining positive credit habits.

Other Services

Financial Education

Other Services

At Lucrative Logics we offer services beyond credit repair. Further your financial success by utilizing our tradeline and funding services.

Frequently Asked Questions

Please reach us at info@lucrativelogics.com if you cannot find an answer to your question.

How long before I see results?

It depends on your goals. Most clients start to see results within the first 30-45 days. We take your goals and build your plan accordingly.

What if all of my negative items are accurate?

Looking at your credit reports, you may not be able to locate the errors. We specialize in analyzing and comparing credit reports to find these errors.

Is credit repair worth the cost? Why?

The worth of the investment is dependent upon your current credit reports. Not having ideal credit can cost you thousands of dollars over the course of your lifetime. Beyond high interest rates you may be denied for home, auto, and personal loans.

When can I speak with a consultant?

Our hours of operation are:

Mon

09:00 am – 05:00 pm

Tue

09:00 am – 05:00 pm

Wed

09:00 am – 05:00 pm

Thu

09:00 am – 05:00 pm

Fri

09:00 am – 05:00 pm

Sat

Closed

Sun

Closed

Where are you located? Do you have an office in my area?

We are based out of Florida. Our physical office is located in Minnesota. Our experts work remotely and are available by phone: 1+(888)908-0779 or email: info@lucrativelogics.com enabling us to help clients without having to have a physical office in your area.

If you are located near St. Paul, MN we do take scheduled appointments at our office:

2642 University Avenue Suite 14C

Saint Paul, MN

55114

How should I retrieve copies of my credit reports?

https://www.identityiq.com/sc-securemax.aspx?offercode=431260WZ

Why do I need reports from all 3 credit bureaus?

The individual credit bureaus have access to different information. Different information creates different scores. Obtaining all three bureau reports allows for comparison to identify discrepancies. A negative account can appear on 1 out of 3 reports. This can be a reason why one credit score may be higher than the other.

When an item is removed from my credit report, does it eliminate the debt?

No, but if it is past the statute of limitations for the creditor to file a lawsuit it will be much harder for them to try to collect it from you.

If I pay a collection, does it automatically get removed from my credit report?

NO! People often think that this will cause their score to go up. This will most likely cause your score to go down.

How long does it take to fix bad credit.

The time it takes to repair your credit is dependent upon your personal situation. Our plans are designed to be completed within six months to a year.

How does credit repair work?

Credit Repair is a process used to dispute inaccurate and unverifiable information on your credit report. Your credit report dictates your credit score. The 3 major credit bureaus collect information from lenders, creditors, and debt collectors and apply it to your credit report. Based on that information, your credit score is determined. This information could include the balances on loans or credit cards, credit inquiries, payment history, and more.

Is my information secure?

Yes, we adhere to a very strict privacy policy that protects all of your valuable information. All client information is protected on a secure server and backed up routinely. To ensure documents are not compromised, we shred all paper documents after saving them in our database. We use secure computer terminals as well as an encrypted database. Every Lucrative Logics employee is trained to properly verify customer information and never to disclose this information to unauthorized parties. Please review our privacy policy for further information.

Am I locked into a contract?

Though you do sign a client contract, they do not have mandatory service terms. We strictly provide a monthly service that you may cancel at anytime. Please remember, we only bill for the work that has been completed the month prior. Like a utility provider, you are liable for your final months payment after cancelling our service.

Can you stop creditors from calling me?

We can help by sending a Cease and Desist to request that they no longer call.

Who is a good candidate for credit repair with Lucrative Logics?

Credit repair works best for people that have already come out of their personal recession. Are you able to afford your existing bills and lifestyle but are being held back from getting good (or any) financing on a new car, home, or loan? If so, we want to talk to you.

When should I start services with Lucrative Logics?

The answer really depends on your personal goals. Whatever your personal credit and financial goals are, it’s important to remember that credit repair is not an overnight “quick-fix” and takes time. Many people can start to see an increase in their score in as little as 30 days but the process of going from bad credit to good credit typically takes much longer. As it took much longer to damage it.

"Good credit is no luxury, it's a necessity!"

"Good credit is no luxury, it's a necessity!"

How Does Credit Repair Work

Book Your Free Consultation

Working on Your Credit Report

Book Your Free Consultation

Enroll Online or by Phone

Working on Your Credit Report

Book Your Free Consultation

Working on Your Credit Report

Working on Your Credit Report

Working on Your Credit Report

Financial Education

Financial Education

Working on Your Credit Report

Other Services

Financial Education

Other Services

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Frequently Asked Questions

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