We partner with you to provide various credit services designed to assist you in enforcing consumer credit protection laws. Your membership includes basic credit analysis credit services, credit rebuilding credit services, credit education credit services, and you can purchase various credit restoration credit services.

Our credit analysis credit services provide you with an analytical review of the data in your credit file to find items which are in non compliance with the Fair Credit Reporting Act and other laws.

Our credit rebuilding credit services bring affiliate credit-builder services to you right here on our website so you can choose the level of credit building that is best for your long-term goals.

Our credit education credit services are throughout the members-only section of our website. Gain access to laws and other tools which are designed to assist you with improving your credit.

With each credit restoration credit service that you purchase, we work with you to prepare customized documents to assist you with the removal or updating of misleading, outdated, or unverifiable negative items on your credit report.

In today's financial market, good credit is financial freedom. The past five years has seen an explosion of credit repair services available. You have three credit repair options: do it yourself; hire a credit repair attorney; or, hire a registered and bonded credit services organization.

The Fair Credit Reporting Act (FCRA) is the primary consumer credit protection law that enables you to bypass costly litigation by being able to directly dispute obsolete, erroneous, unverifiable, incomplete, and potentially misleading information that is on your credit report. Any information that is not "verified as accurate" must be deleted from your credit report. A thorough and effective "verification" process is what distinguishes great credit services organizations like CMA Financial Corporation.

If you have previously tried to dispute inaccurate items without the aid of a professional then you know the first-hand frustrations of receiving a notice from the credit bureaus stating the information is "verified" when you know it is actually inaccurate. The FCRA outlines a defined process which the credit bureaus and creditors must follow upon receipt of a formal FCRA consumer dispute. Our credit restoration credit services assist you in customizing formal FCRA consumer dispute letters which are designed to demand verification that you are currently obligated to any obsolete, erroneous, unverifiable, and potentially misleading information.

Our work merely begins when you receive your initial responses from the credit bureaus. Many people are unaware that a creditor/debt collector is immune from FCRA compliance unless an investigation is initiated through a formal FCRA consumer dispute with the credit bureau. The creditor/debt collector is under a different set of legal requirements once the FCRA immunity is eliminated through a willful or negligent noncompliance with the FCRA. It is at this point that we begin working on your behalf with the creditor/debt collector directly.

We have earned the trust of clients just like you by providing open and transparent communication with all credit services. We pride ourselves in involving you throughout the entire process. You can rest at ease knowing that since you approve and personally sign each credit dispute letter, you know there will never be any letters placed in your credit file which may contain dispute information that you do not agree with. We don't just say we are transparent, we are transparent. That is the "CMA Difference."