Founded in 2014, ReScore Solutions, a Kirkpatrick & Associates, LLC company, provides credit education and repair products to individuals and businesses. Formerly rescore123.com, this company is based in Birmingham, Alabama, and was started by Gale Kirkpatrick, who previously worked as a legal assistant specializing in helping people that were being harassed by debt collectors. She has even appeared in court as an expert witness in debt collection and credit-related cases.
With the motto "Credit repair done right," this company helps people take control of their credit and offers a variety of personal and business finance services, including the following:
As for credit repair services, ReScore can help consumers with scores as low as 400. The company provides a suggested timeframe of six months but recognizes that there is no guaranteed timeline.
Free phone consultations can be scheduled online. Alternatively, you can choose between one of ReScore Solutions' clear and transparent credit repair plans (starting at $59 per month plus credit monitoring and additional fees), with online payments accepting credit and debit cards.
Keep reading for pros and cons of working with ReScore Solutions to tackle your credit repair needs.
ReScore Solutions is a small, local credit counseling specialist with fewer than ten employees. This small, dedicated team translates to more personal service. It also means that you are less likely to get lost in a sea of ongoing clients.
Despite its small size, this company offers perks like online enrollment and a web portal to communicate, upload documents, and track your progress.
If you know that you need to start improving your credit, but you aren't sure where to start, ReScore Solutions offers a helpful initial service. The company's first step is an in-depth audit of clients' credit situation which starts at $125. This analysis will help you get a better idea of your financial situation from a credit expert's view. The results of your credit audit will do the following:
If you want individual attention, you can get a personalized credit audit meeting with the company's leader, Gale Kirkpatrick, for an additional fee.
If you aren't sure whether ReScore is right for you, a free phone consultation is available.
ReScore clients will have access to an online portal to track progress, e-sign, and print documents. You can sign agreements electronically if you wish to avoid printing and faxing.
Another benefit of working with this Alabama credit repair company is that it offers different levels of service for clients with different budgets. No matter the plan that you choose, all credit repair clients will receive the following services:
A Pay Per Delete plan is also available. If you select this plan, the following charges are incurred per deletion, per credit agency:
What happens if the same negative collection is re-added to your credit report after ReScore Solutions has finished the credit repair processes?
For just $4.99 per month, you can sign up for ongoing monitoring. If a collections item the company helped remove from your credit report is reinserted, ReScore will dispute these for you, without any additional letter-drafting or postage fees. The agency will cover all of these, including certified mail fees, if needed, at no additional charge.
ReScore Solutions offers credit and financial workshops in the Birmingham area. It even offers free workshops for business owners who need help with credit and funding.
If you use this company for debt settlement, there is a one-time $125 enrollment fee, a $15 monthly service fee, and a $59 legal plan per month. From there, the company charges 20 percent of your recovery.
ReScore even has a price match policy for its debt settlement services. If a "major big box" debt negotiation or settlement company charges less, it will match.
Additionally, if you choose this provider to help with your debt settlement, it will help repair credit on the accounts that it helped to settle. You just need to pay $15 per month for the proper official documents to be drafted and sent.
ReScore Solutions credit repair clients need to enroll in credit monitoring through a specific third party, for $15 per month. This fee is in addition to monthly fees paid to the credit repair agency. To continue repairing your credit, ReScore must be able to update your credit report every 30 days for its process to move on.
Note: If you select the Platinum Plan, credit monitoring is included in your monthly $129 fee.
When ReScore is working to repair your credit, you should be prepared for additional charges when it drafts and sends letters to your creditors and collector. These include $15 per month when the company sends any USPS mail and $20 per certified letter. Certified mail is required when mailing a collections agency.
From its website, it appears that ReScore Solutions only serves its local area in Alabama. This limited service area may not be the case, but it is unclear from the information available on the website.