Because Your Credit Portfolio Is Your Most Valuable Financial Asset

The best way to summarize what Genesis Credit Service's Credit Portfolio Management (CPM) program is about is to tell you what it is not. Genesis Credit Service and its CPM program is not a simple credit repair program. While credit error correction and restoration is a priority and often the first step necessary towards obtaining CPM optimum standards, it is not something that Genesis Credit Service does internally for its members. All credit error correction and/or essential credit dispute issues are handled by an expert non-profit consumer credit service that specializes in ensuring that all negative or derogatory items are properly and professionally concluded.

In essence, Credit Portfolio Management is far more than a mere credit report, it represents to your lenders the most comprehensive and highly accurate representation of your true credit worthiness. The information that makes up your credit portfolio comes from the credit score optimization, protection, maintenance, and 24/7 monitoring that is available only in our Credit Portfolio Management program.

Once your credit file is free from errors, accurately reported, and restored to a favorable condition your personal credit advisor and the CPM program works proactively to increase your credit portfolio status so that it becomes your best financial asset. The CPM membership program is specifically designed to optimize your credit portfolio, and to maximize your borrowing power.

In the same manner that we make Credit Portfolio Management easy for our clients, we do the same with our fee schedule. The most comprehensive and effective credit management program available is also affordable and worry-free for our clients. Genesis Credit Service's Credit Portfolio Management program, is available for a limited time for only $199/Quarter!. For membership acceptance, apply HERE.

THE CPM PROGRAM INCLUDES THE FOLLOWING MEMBER SERVICES:

	3 There are many options and sources that you can use to request your credit reports from the three different credit Bureaus. While recent legislation (*****.?) entitles you to one free credit report every year, it does little to properly manage your most important financial asset. However, as a CPM member, ALL credit reports are included in your membership fees. Every quarter, full credit reports from every credit bureau are ordered to ensure the accuracy of the information posted on your credit file by reporting agencies vs. our own internal records. This check and balance is crucial to accurate credit portfolio management. Credit Reports (Quarterly)			Credit Report Analysis
	Confidential Needs Analysis			Forensic Credit Investigation
	Credit Profile Consultation			Credit Audit/Resolution *
	Education Center Access			Personal Credit Advisor
	Identity Theft Investigation			$50K Identity Theft Coverage
	Identity Theft Resolution			Identity Theft/Credit Monitoring
	Debt Reorganization			Legal Representation **
	24/7 Strategic Purchase Advice			Client / Lender Pairing

3 Credit Reports / Full and Accurate Reporting Checks and Balances
There are many options and sources that you can use to request your credit reports from the three different credit bureaus. While recent legislation entitles you to one free credit report from each credit bureau every year, it does little to properly manage your most important financial asset. However, as a CPM member, ALL credit reports are included in your membership fees. Every quarter, full credit reports from every credit bureau are ordered to ensure the accuracy of the information posted on your credit file by reporting agencies. It is also available to you at anytime via our online membership account where you can also find the latest activity your credit file has recorded. This check and balance is crucial to accurate credit portfolio management.
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Credit Report Analysis (CRA)
Our patented Credit Report Analysis (CPA) process identifies, clarifies and defines the current line items on your credit reports. It allows us to best construct a strategic plan of action that has consistently produced the highest credit scores over the past 20+ years.
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Confidential Needs Analysis (CNA):
Your Personal Credit Advisor will contact you after receiving and reviewing your credit reports to discuss any negative issues on your file and explain the strategic and tactical course of action we intend to take to resolve any obstacles to healthy credit.
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Forensic Credit Investigation (FCI):
The Forensic Credit Investigation (FCI) is another exclusive component of our CPM membership program and is best described not by us, but by Webster’s Dictionary.
Forensic: Relating to the use of science or technology in the investigation and establishment of facts or evidence in a court of law. Credit: Reputation for solvency and integrity entitling a person to be trusted in buying or borrowing: You should have no trouble getting the loan if your credit is good. Investigation: a systematic official investigation often of a matter of public interest “with a power to compel testimony”

This represents our core commitment to ensure “FAIR credit reporting accuracy” for all of our members. In summary, the FCI program was specifically designed to identify credit reporting deficiencies, and to defend them against any and all agencies that have the right to report them. Here, we reaffirm our tenacity to defend our members “at all cost “by trusting, but verifying”. Our legal team is required to research, and if warranted, aggressively represent you for any and all discrepancies improperly listed on your credit report, ensuring compliance with the FCRA, FDCPA, ECOA, FCBA, FACTA.
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Credit Profile Consultation:
Your Credit Profile Consultation is the 10,000 foot view of your credit portfolio landscape. Part of this perspective is based upon the information gathered in the previously mentioned features; however, this ties all the loose ends of your credit portfolio up into one strong and consistent plan to maximize your credit health and score. Your Personal Credit Advisor will inform you on the personalized approach that we intend to take on your behalf to achieve the best possible results. This overview represents the battle plan to win the war rather than the individual battles. To quote Sun Tsu from "The Art Of War", "Victory goes to the one who chooses to do battle on his own terms". Genesis Credit Service will dictate the terms, fight the battles, and win the war of your good credit on your behalf.
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Credit Audit and Verification:
Genesis Credit Service is a Credit Portfolio Management company. Credit error correction, or disputing, is but one facet of the CPM Program. We fulfill this function for our clients through a partnered third party non-profit association whose sole focus and expertise is in credit disputing. This model delivers the fastest, most reliable, and focused item dispute service possible. Your membership includes an unlimited use of this service regardless of the amount of disputes.
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Personal Credit Advisor:
You will find that one of the greatest features of the CPM Program is access to your own Personal Credit Advisor. Your Personal Credit Advisor will not only work through the strategy of strengthening your Credit Portfolio but is available to you anytime for advice on large item purchases when using your credit.

Your Personal Credit Advisor is a credit industry professional who will not only welcome any questions you may call with but will also encourage frequent contact. They can best advise you on when to expect interest rate drops and help with strategic timing for any large upcoming purchases you may be considering. Following this expert advice will not only save you thousands of dollars on large, credit based purchases but may actually INCREASE your score further!
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Identity Theft Investigation:
At Genesis Credit Service we work hard to strengthen our clients’ credit portfolios. Subsequently we take Identity Theft very seriously and in response offer our members the most comprehensive, effective, and secure Identity Theft services in the nation. As a matter of fact our Identity Theft package is unprecedented in the industry.

The first step to protecting yourself from Identity Theft is to make sure that you have not already been a victim of it. Our thorough investigation will determine this beyond a shadow of a doubt. There are an estimated 10 million victims in the U.S alone that spend an average of $1,500 and 175 hours to recover from identity theft. The good news is that if you are accepted into the CPM Program then regardless of whether you turn out to be a victim in our initial investigation, or if you ever become a victim during your membership, Genesis Credit Service will legally represent you and do all the work to bring resolution to the matter.
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Identity Theft Coverage:
Once we have determined that you are not a victim of Identity Theft we protect you financially in the event you ever become one with $50,000 of Identity Theft Coverage. If you are a CPM Program member, due to our aggressive Identity Theft services it is highly unlikely you will become a victim (while a member) but you can rest assured knowing that if you ever need it you already have it.
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Identity Theft Resolution:
In the unfortunate event our initial investigation reveals you have been a victim or if you ever become one (while a member) we will take what has been dubbed a “consumers worst nightmare” and legally correct and resolve the problem for you. As a CPM Program member, you will never have to worry about becoming part of these disturbing statistics.
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Identity Theft and Credit Monitoring:
The final piece of armor in our bulletproof Identity Theft services is to constantly monitor your credit for any signs of identity theft our unauthorized inquiries. If any alerts are triggered your Personal Credit Advisor will immediately become personally involved by investigating the alert, taking counter measures if necessary, and finally contacting you with the information of what occurred and the steps we took to resolve it.
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Debt Reorganization:
There are few things in life that are absolutes, but this is certainly one of them: Great credit portfolios are built upon a foundation of responsible borrowing. Unless your debts are paid, or a plan of action taken to satisfy them, your credit scores will never remain at optimum status. In many instances debt reorganization provides that necessary course of action that satisfies the obligation at a fraction of the actual debt amount. As a CPM program member these services are made available to you as part of your membership. Your Personal Credit Advisor will assist you with this if they determine that debt reorganization would be beneficial to your credit portfolio.
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Legal Representation:
In the event you need, for any reason, legal representation to aggressively defend your credit issues you can rest assure that our contracted legal staff (one of the nations leading law firms) is here to help you. Genesis Credit Service is not a law firm, and for the same reason that a law firm is a poor choice for Credit Portfolio Management we focus on insuring that our clients get the specialized, professional representation they deserve.
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24/7 Strategic Purchase Advice:
With our 24/7 Strategic Purchase Advice you can make the most informed “impulse” buy possible. Friday night and you are eyeing that new car? No problem, give us a call and we can tell you precisely how your current credit standing should position you for interest rates, inform you of possible strategic purchasing times based upon your rising portfolio, or simply confirm that this purchase is in compliance with your Credit Portfolio Management client agreement. In most instances however, CPM members will make informed calculated decisions and will already be pre-approved prior to purchase. You can be assured that while your credit never sleeps, neither do we.
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* Genesis Credit Service uses a third party nonprofit organization for credit error disputes.
** Genesis Credit Service is not a law firm, all legal services performed by contracted firm.