As part of our service we will dispute every derogatory item we feel is holding your score down. Once we’ve received your credit reports we will do online disputes on negative items on your behalf on the credit bureaus websites. These online disputes are designed to communicate your dispute in such a way that the credit bureaus will accept the dispute and conduct an investigation. While this may sound easy, any person who has attempted to dispute their own credit will tell you otherwise. According to federal law, the credit bureaus can ignore your dispute under a variety of conditions. In our experience, a large part of the dispute letters sent directly from consumers, are rejected for one reason or another. At the conclusion of each of the credit bureau's investigation, a revised copy of the credit report will be sent to the client(s) home, with any updates, deletions or improvements showing on the new report. Client(s), will then mail “Eastbay Virtual Services, LLC” these reports, and will repeat this process cycle throughout their service with “Eastbay Virtual Services, LLC” at timed intervals.

Credit Restoration

When it comes to a consumer’s credit information “Eastbay Virtual Services, LLC” helps to educate consumers about their rights & responsibilities based on the (FCRA),(CROA), & (FDCPA) laws & guidelines, with specific regards to the way their credit information and history is being handled, reported, and distributed by the credit bureaus , reporting agencies, & creditors. We dispute Bankruptcies, Judgements ,Charge offs, Medial Bills, Tax Liens, Collections, Late pays and help you to reestablish credit .“Eastbay Virtual Services, LLC” also provides consultative & educational services to assist consumers with resolving their unique credit issues

Rebuilding Credit

Imagine what $100,000 in available credit and 40 years of perfect payment history would do to your score!” Credit enhancement adds your name as an Authorized User (AU) on one of our high limit, low balance credit cards that also have a long and perfect payment history. An AU is someone that has the ability to use the account, but not make any changes to it, or the responsibility to repay any balances that might be owed. The original intent of the AU position was to give Cardholders the ability to add their children, spouses, friends or employees to their accounts so they could have access to the available credit line. A coincidental benefit occurs during this process whereby the account history for that credit card appears on the AU’s (your) credit report, and it looks like that credit card’s history has been there since the account was first opened This “appearance” gives you an immediate FICO® credit score boost
We have enhancements available starting at $500-up depending on the credit history you are looking for and the credit limit of the credit card, we have anywhere from $50,000 credit limits available down to $1000 and 1 year of history to 30 years of history available and that depends upon your age.
**Please ask for additional information if interested

Business Consulting

Our program is a full-service program. It does not involve a "Coach" since we complete the steps for you. This allows you both the time and freedom to successfully run your business while we help you build your business credit. Although building business credit is not rocket science, it can be a time consuming process. In business, time is money. We spend our time building your business credit. You spend your time focused on running your business. We help with getting you incorporated, show you the things needed to be in compliance and consult you every step of the way