About Us

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About Us

Aenean massa. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Donec quam felis, ultricies nec, pellentesque eu, pretium quis, sem.

About Us

Aenean massa. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Donec quam felis, ultricies nec, pellentesque eu, pretium quis, sem.

About Us

Aenean massa. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Donec quam felis, ultricies nec, pellentesque eu, pretium quis, sem.

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    Message from the President

    of Illinois Credit Services

    Jim Droske
President 
Illinois Credit Services

    Jim Droske

    President Illinois Credit Services

    I have been in the credit and lending industry for over 25 years. My years in the mortgage and automobile lending industries made me realize that consumers have always been at a very big disadvantage in regards to the credit reporting system.

    Your credit score is such an important part of your life:

    Your credit is reviewed when you purchase a house, auto, or furniture

    It can affect your insurance rates, personal loans, rent, utilities, and possibly even your employment.

    Good credit can work in your favor…and bad credit can work against you

    Rebuild Your Credit…Rebuild Your Future

    I’ve seen people hindered by their credit.  I’ve seen them struggle to fight with the system when trying to correct errors on their report.      In some cases, erroneous bad credit information has prevented consumers from realizing their dreams and I wanted to do something about it.

    It is for that reason that I created Illinois Credit Services.

    For years, I’ve seen multi-billion dollar corporations like the big 3 credit bureaus, the big banks and debt collectors using the credit system as a tool to earn big profits.   While these huge corporations are raking in enormous revenue – consumers like you can be at a big disadvantage.

    Credit reports can have errors! 78% of ALL credit reports have errors. * Very often, errors on credit reports can hurt your credit and cause you to be denied for new credit or to pay a higher cost to borrow money.

    Why are consumers at a disadvantage?   Most consumers do not understand the credit system, credit scoring, or how to correct errors on their credit reports.   Most consumers have NEVER been taught anything about credit in school.  Shouldn’t you understand a credit system that is such an important aspect of nearly everything you will do financially?

    Here’s the good part! You have rights when it comes to credit reporting. The Fair Credit Reporting Act protects your right to an accurate credit report which means you have the right to challenge and dispute any information you believe may be erroneous, unverifiable, inaccurate, or obsolete.  Although you have the legal right to repair your own credit, I feel that most consumers are at a disadvantage because they don’t understand the credit reporting and disputing processes. Unverifiable or inaccurate information CAN be disputed but it can be a confusing and frustrating process for a consumer to handle on their own.

    Our credit repair process is based on strategies and techniques utilizing the credit reporting laws such as the Fair Credit Reporting Act (FCRA) and the Fair Debt Collections Practices Act (FDCPA).  If you are looking for a magic credit wand that claims to erase all your bad credit – you will not find it here.  While it may sounds good…there is nothing mysterious and that magic wand simply does not exist.   Legal credit repair is based on the law and your rights to an accurate credit report.  While we are not attorneys and Illinois Credit Services is not a law firm…we are CREDIT EXPERTS.   Be aware of any credit repair company which makes unrealistic promises or charges upfront fees or tells you things that sound too good to be true…chances are they are operating illegally and should be avoided under all circumstances.

    Our credit repair services are based on transparency, communication, and consumer support.  We will draft and mail letters disputing the unverifiable information on your credit reports which you ask us to challenge on your behalf.  But remember, we do want you to be involved!  This is YOUR credit and you need to understand more about how it works and to be responsible to making on-time payments for all of your obligations and working towards a healthy, more accurate credit report.

    Read through our website. Call us for a FREE initial credit consultation. Remember, this is YOUR credit. Your credit score is the single most important 3 digit number in your life!

    It’s time….

    TAKE CONTROL OF YOUR CREDIT…

    DON’T LET YOUR CREDIT CONTROL YOU!

    Jim Droske / President
    Illinois Credit Services

    * – According to a study conducted by The Federal Trade Commission (FTC).

    What We Do

    We know how overwhelming it can be to face creditors and to try to clear up inaccuracies, and to understand what to do to improve your Credit Score. And when you are trying to do it on your own without the guidance of an expert, it’s even harder.

    We want to make the credit repair process easy for you. We understand the unforeseen can happen.  Illinois Credit Services will work towards building an accurate and healthier credit profile.   You won’t be in this alone.

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    Who is Illinois Credit Services

    Illinois Credit Services, Inc. is a registered and bonded professional credit restoration company.   We will work to delete or repair all of the erroneous bad credit for up to all 3 of your credit reports including TransUnion, Equifax, and Experian.                     Jim Droske, President of Illinois Credit Services, is a Certified FICO Professional.

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    Our Certifications, Memberships, and Affiliations:

    See why ICS is highly qualified to help you help put you on the road to better credit.

    ICS in the Media:

    Jim Droske, President of ICS, hosted the radio show Your Credit Matters on WJOL 1340AM educating listeners on credit reporting and credit scoring.

    Endorsements:

    Jim Droske, has been endorsed by many mortgage brokers and realtors and has been endorsed over 500 times on LinkedIn.

    Repair

    We help you correct negative inaccurate items on your credit reports.   Here at Illinois Credit Services, we understand the credit system and our team of Credit Experts will dispute all of the inaccurate bad credit you advise us to dispute. Our credit repair services are based on systems and processes utilizing the consumer credit reporting laws.

    Build

    At Illinois Credit Services, we will show you the right way to build good, positive credit.  Building the right mix of good credit and understanding how to properly manage your existing credit is very important when working towards a healthy credit profile.

    Educate

    Our credit experts are available to answer all of your questions to help you better understand the credit reporting process, credit scores, and how your actions can affect your credit.