credit repair expert

Christopher Ebert
the beginning

Christopher Ebert has been working full time in the credit repair space since 2003. He started working for consumer law firms early in his career. While working for his first law firm, Ciarochi Law Firm, he found his passion for helping consumers find ways to improve their credit and achieve their goals.

He started Xpert Credit Repair  in 2005 to offer consumer’s more options at a cheaper price than hiring an attorney to assist them. Xpert Credit Repair became  the first credit repair company in the nation to offer Delete Then Pay™ pricing where a client paid after the deletion / correction occurred on the credit report. Around 2009, credit repair tactics had to change because  mortgage lender guidelines changed. Disputing with the credit bureaus would not work as well. Xpert Credit Repair started to dispute and challenge directly with the creditors and debt collectors. After finding and tweaking this new approach,

Christopher started developing his own proprietary software. He does not lease it or allow other credit repair companies to use it. Using best practices and  a world class software combined with prudent automations, Xpert Credit Repair grew to be an industry leader.

the transition

Starting in 2006 the world of debt began to change as the creditors and debt buyers started to file lawsuits against consumers in mass. Christopher recognized the need to help law firms automate systems to help consumers resolve these lawsuits more efficiently. He set out to design and implement proprietary software and processes used by law firms. Because of the systems brought to the law firms he worked for and with, the cost to settle and / or fight litigation decreased significantly.  Attorneys were used to charging thousands of dollars to answer a lawsuit and settle. He brought the industry average down to below $1500 for most lawsuits. Christopher is proud that more consumers can afford a consumer credit attorney to represent them when being sued. He added a module to the software that allowed attorneys to assist clients in debt settlement with their creditors.

today

Lawsuits against consumers are becoming such an issue that most credit repair companies are having to change tactics again. Many choose not to dispute original creditors, leaving their clients to settle on their own. Those that dispute the creditors that sue often find their clients are getting sued. Again, Christopher responded to the new norm by modifying his software, dispute tactics, and sales process to put his clients in the best position possible.

Christopher has married the processes of credit repair to the the attorney’s software, allowing for a seamless process for the client experience. Setting  appropriate expectations with the clients and increasing efficiency of dealing with creditors, debt buyers, and debt collectors results in a better outcome with lower cost to the consumer.

Christopher is proud of what his team and he have been able to achieve and hope to change the credit repair industry again.

credit repair expert

the beginning

Christopher Ebert
Christopher Ebert has been working full time in the credit repair space since 2003. He started working for consumer law firms early in his career. While working for for his first law firm, Ciarochi Law Firm. I found my passion for helping consumers find ways to improve their credit and achieve their goals. I started Xpert Credit Repair in 2005 to offer consumer’s more options at a cheaper price than hiring an attorney to assist them. Xpert Credit Repair became  the first credit repair company in the nation to offer Delete Then Pay pricing where a client paid after the deletion / correction occurred on the credit report. Around 2009, credit repair tactics had to change because  mortgage lender guidelines changed. Disputing with the credit bureaus would not work as well. Xpert Credit Repair started to dispute and challenge directly with the creditors and debt collectors. After finding and tweaking this new approach, I started developing our own proprietary software. We do not lease it or allow other credit repair companies to use it. Using best practices, a world class software combined prudent automations, Xpert Credit Repair grew to be an industry leader.

the transition

Starting in 2006 the world of debt began to change as the creditors and debt buyers started to file lawsuits against consumers in mass. I recognized the need to help law firms automate systems to help consumer resolve these lawsuits more efficiently. We set out to design and implement proprietary software and processes used by law firms. Because of the systems brought to the law firms I worked for and with, the cost to settle and or fight litigation decreased significantly.  Attorneys were used to charging thousands of dollars to answer a lawsuit and settle. We brought the industry average down to below $1500 for most lawsuits. I am proud that more consumers can afford a consumer credit attorney to represent them when being sued. We added a module to the software that allowed attorneys to assist clients in debt settlement with their creditors.

today

Lawsuits against consumers are becoming such an issue that most credit repair companies are having to change tactics again. Many choose not to dispute original creditors leaving their clients to settle on their own. Those that dispute with the creditors that sue often find their clients are getting sued. Again, I have responded to their new norm by modifying our software, dispute tactics, and sales process to put our clients in the best position possible.

I have married the processes of credit repair to the the attorney’s software allowing for a seamless process for the client experience. This allows for setting the appropriate expectations with the clients, efficiency of dealing with creditors, debt buyers, and debt collectors that allows for a good outcome with lower cost to  the consumer.

I am proud of what my team and I have been able to achieve and hope to change the credit repair industry again.

Do you need a credit repair company referral?

i help credit repair companies

I help credit repair companies become better versions of themselves. I have a passion for the credit repair industry and am willing to help credit repair company owners of all sizes . I have deep experience in the industry to help improve any system (or teach it to those without current systems). When hired I focus on your business to make it even more successful for you, your employees, and your clients.

Third Party disputing with a Power of Attorney

I have been using the third party method of disputing directly at the debt collectors, creditors, and credit reporting agencies since 2009. In short, I understand it. I can help your credit repair organization implement this method of disputing quickly. I will help write the new letter set, help change contracts, train your staff how to respond to incoming correspondence, and help create a system to help your clients understand the responses.

Many credit repair companies have access to an attorney but the relationship is not streamlined making for a pleasant customer experience. Also, many attorneys are not prepared for the influx of new clients. No matter at what stage you are at we can help implement the processes and give immediate institutional knowledge to elevate both of your relationships quickly.

There is no secret letter that is going to get that deletion. But there is a secret to how you use the letters and more importantly how to interpret the responses creditors and credit bureaus. How you respond sets you apart from your competitors. I quickly will ascertain your current letter sets strengths and weaknesses. Then I devise a better letter set given your system and my understanding of how creditors respond. I create the system where you can easily respond to them more effectively

Beyond all the automations that are currently out there, the credit space is lacking in explaining to the clients what is going on with their credit during the process of credit repair. It is the consumers that a very involved with their credit repair process that often create the most problems for highly automated systems. Learn how to communicate with them so they are less likely to become problematic to deal with.

i help credit repair companies

I help credit repair companies become better versions of themselves. I have a passion for the credit repair industry and am willing to help credit repair company owners of all sizes . I have deep experience in the industry to help improve any system (or teach it to those without current systems). When hired I focus on your business to make it even more successful for you, your employees, and your clients.

Third Party disputing with a Power of Attorney

I have been using the third party method of disputing directly at the debt collectors, creditors, and credit reporting agencies since 2009. In short, I understand it. I can help your credit repair organization implement this method of disputing quickly. I will help write the new letter set, help change contracts, train your staff how to respond to incoming correspondence, and help create a system to help your clients understand the responses.

Many credit repair companies have access to an attorney but the relationship is not streamlined making for a pleasant customer experience. Also, many attorneys are not prepared for the influx of new clients. No matter at what stage you are at we can help implement the processes and give immediate institutional knowledge to elevate both of your relationships quickly.

There is no secret letter that is going to get that deletion. But there is a secret to how you use the letters and more importantly how to interpret the responses creditors and credit bureaus. How you respond sets you apart from your competitors. I quickly will ascertain your current letter sets strengths and weaknesses. Then I devise a better letter set given your system and my understanding of how creditors respond. I create the system where you can easily respond to them more effectively

Beyond all the automations that are currently out there, the credit space is lacking in explaining to the clients what is going on with their credit during the process of credit repair. It is the consumers that a very involved with their credit repair process that often create the most problems for highly automated systems. Learn how to communicate with them so they are less likely to become problematic to deal with.

Interested in my help?

i help consumer credit attorneys

I help consumer credit attorneys (or those that wish to be) improve their systems and processes to intake a larger number of clients with less hassle. I will help systemize your operation to allow for paralegal work controlled by the attorney. But in mass. We may be able to help you systemize current books of business that you are not taking in. Often we allow you to lower your fees but earn more in fees with the expanded volume.

i help consumer credit attorneys

I help consumer credit attorneys (or those that wish to be) improve their systems and processes to intake a larger number of clients with less hassle. I will help systemize your operation to allow for paralegal work controlled by the attorney. But in mass. We may be able to help you systemize current books of business that you are not taking in. Often we allow you to lower your fees but earn more in fees with the expanded volume.

Interested in my help?