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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    Credit Repair

    Ask a Credit Question

    How It Works

    Analyze Your Reports

    We will analyze up to 3 credit reports and require you to inform us which negative items you feel are erroneous, inaccurate, obsolete, or incomplete and require you to give us your permission to dispute those items on your behalf.

    Contact Credit Bureaus

    We will draft and mail letters written specifically on your behalf to dispute unverifiable negative information on your credit report which you have identified to us.  REMEMBER…you have a right to an accurate credit report!

    Expert Advice

    We will provide you sound advice, based on our experience and expertise, on what you can do (and not do…) to work towards improving your credit through your own actions.

    Building Credit

    When necessary, we will provide you the information, strategies, and resources on how you can BUILD and maintain a good credit profile.

    We treat you and your information with the utmost respect and confidentiality:

    Easy to Enroll

    It’s easy to get started!   Our Enrollment Form can be sent to your email and you will complete the form through a secure signing system called Docusign.   There is no need to print, fax, scan, or mail the form.  Wherever you can receive your email, you can enroll…even on your phone!

    NO Upfront Fees

    We never charge any fees until our services are completed.  You pay nothing to get started.  You will not be billed until our First Work is completed and then you will not be billed for the previous month’s  work until after each monthly service is completed

    Cancel Anytime

    Our services are truly month to month and you can cancel at anytime for any reason.  You are NOT committed to any minimum length contract like with some other companies.  It is always up to you.  NO Cancellation fees and NO Termination fees…never!

    Our Guarantee

    Illinois Credit Services guarantees that we will provide the services that we have agreed to provide to you.   When performing legal, ethical, and professional credit repair services, no one can predict the outcome of the dispute process or legally promise that any particular item will be deleted from your credit report or that your scores will improve.

    Repair

    We help you correct negative inaccurate items on your credit report.   Illinois Credit Services understands the credit reporting and disputing processes and our team of FICO Certified Credit Experts will work to ensure the information in your reports is accurate and verifiable.

    Build

    At Illinois Credit Services, we will show you when appropriate, the right way to build good, positive credit.        IMPORTANT:  We NEVER charge you any Advance Fees.  You are NOT BILLED UNTIL OUR SERVICES ARE  COMPLETED.

    Educate

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

    Why is Building Credit Important?

    Building the right mix of good, healthy credit is a key aspect of good credit.

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    Credit scoring models are attempting to predict the likelihood that you may become delinquent in the future – NOT the past! They already know what you’ve done in the past by what they see on your credit report. That’s why it is so critical that unverifiable bad credit be either corrected or deleted!

    Likewise, it is essential that you show that you are managing your current credit responsibly. If you do not have any open current credit, you may need to start showing you can handle good current.

    We will provide you with

    information so you can make informed decisions

    advice to guide you in those decision

    useful resources so that you may build good credit responsibly.

    Not everyone needs to build credit but if you do, we will guide you in the right direction.

    Important!! Be careful of anyone telling you any of the following:

    that they will ‘add seasoned trade lines’ to your credit or

    merge your credit’ with another person or

    create a new identity’.

    At Illinois Credit Services, we do NOT offer services like these. You can not legally buy a new identity or buy a trade line. Often, this sounds like an attractive idea to a struggling consumer but it is not an option you should consider. It usually is an expensive illegal option filled with empty promises.

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    THERE IS A RIGHT WAY AND A WRONG WAY TO BUILD GOOD CREDIT.

    At Illinois Credit Services

    We will show you the right way to build good, positive credit.

    College-of-Dupage

    Jim Droske, President of Illinois Credit Services, is an approved Life Long Learning Instructor at the College of Dupage where he teaches a quarterly non-credit hour class on credit and credit scoring, as needed and as requested.

    Your are not billed until services are completed.

    Check out our Pricing Package

    Learn to Understand Credit

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

    Work to improve the components which make up your Credit Score.

    The Cost of Bad Credit

    A low credit score can cost thousands of dollars over the life of  loan.

    Example:    For a $20,000 loan over 5 years (60 months)

    A HIGH INTEREST rate of 18% for

    60 months

    $507

    /month

    $10,420 total interest over the life of the loan

    A LOW INTEREST rate of 6% for

    60 months

    $386

    /month

    $3,160 total interest over the life of the loan

    Bad credit could cost $121.00 more per month!

    $7,260.00 EXTRA interest paid

    You Can't Afford NOT to Repair your Credit Reports