What We Can Offer You

If you are above 750 on either FICO or your VantageScore, you are highly likely to do well on any custom score. If your score is below 600, you are highly likely to be rejected. However, obsessing over ten points is not productive, so contact us today and get professional help.


Looking for new credit can equate with higher risk, but most Credit Scores are not affected by multiple inquiries from auto, mortgage or student loan lenders within a short period of time. Typically, these are treated as a single inquiry and will have little impact on your credit scores.

For example, your credit would receive a hard inquiry when you apply for a car loan, mortgage, student loan, or credit card. How long will hard inquiries stay on your report? Inquiries remain on your credit reports for two years (24 months). However, hard inquiries impact your score for only the first 12 months.

Let’s look at post-bankruptcy removal.

Going through bankruptcy can feel hopeless, but in reality, the process of post-bankruptcy credit repair is anything but. Rebuilding credit after bankruptcy isn’t easy, but if you play your cards right, you may even have better credit than you had before things spiraled out of control.

  • When you get denied for a credit card, an account doesn’t get opened. Soft inquiries won’t impact your scores, but hard inquiries, which are the type that occurs when you apply for a loan or credit card, will. Your credit scores could be impacted if you have too many inquiries in a short time frame.
  • The act itself of signing up for a hardship plan has no effect on your credit. However, once you enroll, your credit scores could be indirectly affected because of the way the program works.


We are an innovative brand, that put the customer first always. We have the experts you need and are just one click away.
100 %

ECS has worked with
a 100%
Success Rate

10 +

Working with over 10
company professionals

+ 5 states

Delivered programs in
over 5 US locations

+ 25 year

combined 25 straight years as
top realtors and
credit experts


Our clients tell us we are unique for a variety of important reasons including:
  • Quality Delivery
  • Never Disappoint
  • No False Promises
  • Great Customer Service
  • Report Availability
  • Credit Maintenance Training