Londyn’s Financial Services was founded by Londyn Johnson, a certified FICO Score Professional. She has nearly two decades of experience in the financial realm and worked for over 15 years as a debt collection professional on behalf of a number of debt collection companies.
Each case that Londyn’s Financial Services takes on will receive a customized approach to credit repair. With her prior experience working with debt collection companies, Johnson understands the inner workings of how negative items are placed on consumer’s reports and subsequently knows how to implement strategies to remove those negative and inaccurate items both effectively and efficiently.
Londyn’s Financial Services is certified by both the Credit Consultants Association and is credit score certified by the Credit Consultants Association. To date, Londyn’s Financial Services has removed 85 percent of collection, 90 percent of late payment negative items, and 62 percent of judgements on client’s credit reports.
As a former professional within the debt collection industry, Londyn Johnson brings a unique perspective to each case she takes on. Johnson knows the intricate workings of the debt collection space and applies to clients in need of credit repair help. Many credit repair agencies apply a one-size-fits-all approach to each case, but that is not how Londyn’s Financial Services operates.
Not all credit repair companies disclose clear pricing packages for prospective clients. Some take percentages or cater costs based on each case’s severity. Londyn’s Financial Services makes it easy for prospective clients to determine if credit repair is an affordable service. Pricing packages breakdown as follows:
Clients who enroll in Londyn’s Financial Services credit repair plan will have access to a number of credit resources. Most credit repair companies only care about removing negative items, focusing on past financial habits.
With Londyn’s Financial Services, clients will receive helpful coaching and education to improve financial habits ensuring better success in the future. Credit building recommendations will also be made on a case-by-case basis.
Each client who utilizes Londyn’s Financial Services can also take advantage of SmartCredit Monitoring. This service allows clients to track credit scores with the major credit bureaus and determine exactly what is helping or hurting those credit scores. Clients can also track how spending impacts scores, particularly how spending can improve credit scores. Not all credit repair companies offer a credit monitoring service as a side feature, but Londyn’s Financial Services does.
Money-back guarantees are not necessarily a standard within the credit repair agencies, but many large credit repair agencies do offer one in the event that clients are unsatisfied. No credit repair agency can promise or guarantee results as valid negative credit repair items cannot always be removed if there is no case for deletion.
However, if inaccurate items are included on a credit report and are not deleted, some credit repair companies will provide monetary compensation. Londyn’s FInancial Services does not offer a money-back guarantee.
In most states credit repair is a legal service, but there are some states where credit repair agencies may not operate. It is unclear where Londyn’s FInancial Services is legally allowed to operate and where clients must reside in order to access services. Most credit repair companies make service area known, but Londyn’s Financial Services has not.