D.W. Scott Financial is dedicated to help credit consumers discover the solutions they deserve to ensure a brighter and better future.
Our mission is accomplished when members gain a more sophisticated understanding of the credit system, take responsibility for their financial dealings and are ready to re-join the credit economy with a clean financial slate. Financial and consumer education better prepares our members to build a successful life for themselves and their families.
D.W. Scott clients will work with our attorneys and can look forward to the feeling of...
- Confidence from being re-inserted back into the credit economy
- Excitement of seeing their credit scores bolstered to the highest possible level
- Acceptance from being approved for the credit they need and desire
- Security in knowing that emergencies can be addressed less stressfully
D.W. Scott and it's attorneys pride themselves in educating our members to be more responsible with their financial dealings and better prepare them to re-enter the credit economy with a clear financial slate.
Our Membership Protection Warranty
We believe you should not have to pay for ineffective service
As long as you do your part, if there are no derogatory items removed from your report within the first 3 months of membership, at your request we will terminate your membership and refund you all membership fees paid.
At the conclusion of your 6 month membership, if there are any derogatory items left on your report, an evaluation of your results will be performed. A value of $100 will be placed on each deleted or improved item and subtracted or added from your total amount paid. Any difference will be refunded to you.
In addition, if for almost any reason you are not satisfied with your results; our attorneys will extend your case and continue to work on your behalf until you are completely 100% satisfied with your results.
No Guarantee
It is important to understand that there can be no absolute guarantees involved in any legal matter. As in a court of law, an attorney could never guarantee that a judge would rule in their favor. However, based on extremely positive past experiences, we offer our members the industries only "Membership Protection Warranty" to protect their membership investment.
The Attorney Advantage
What Are The Advantages Of Using Our Attorney?
While there are many companies who brand themselves as credit repair organizations, most of them lack the legal clout and experience necessary to adequately represent your dispute efforts. Some of the specific advantages of using our affiliated attorney are:
- Attorneys enforce your rights under the various federal laws.
- Attorneys can do everything a credit repair organization can do, and file a lawsuit if necessary.
- Attorneys keep abreast of consumer laws as well as changes to, interpretation thereof,
and applicability of those laws. - Attorneys govern themselves according to the rules and principles of professional conduct.
- Attorneys practice the methodologies and structure like any law-practicing firm.
- Attorneys will review your case and impose legal opinions when and if necessary.
- Attorney-Client privilege protects your confidentiality.
Contrary to what the credit bureaus would like you to believe, credit repair does work and can work for 100% of people in most circumstances. This is, of course, provided you are getting the best advice and have a trustworthy professional working on your case.
The reason credit repair has received such a bad name is due to the abundance of scam artists who flock to the easy money made available by people desperate for this type of service. This unfortunate reality leads the credit bureaus and the FTC to make blanket, untrue statements such as, "Credit repair does not work ever and there is nothing a credit repair company can do for you that you can't do for yourself."
Given that more than 90% of credit repair companies are con artists, promising the world and then disappearing when you pay, the credit bureaus and the FTC are forced to make such bold statements.
It would be impossible for them to explain the truth to consumers without causing them to make a bad choice that would result in getting conned. As a result, the credit bureaus and the FTC must adhere to the "credit repair doesn't work" position.
The legal services D.W. Scott provides to its Members via its affiliated attorneys are analogous to work done by any defense attorney. Our Member’s attorney takes an affirmative defense: offers a reasonable alibi and leaves it to the bureaus(s) to substantiate their allegation. If the bureau(s) claim to have affirmed the allegation, the decision is appealed. EVENTUALLY, MOST BAD CREDIT ALLEGATIONS ARE UNVERIFIABLE AND REMOVED FROM THE CREDIT PROFILE.
Now that we have dispelled the misconceptions, spun by Credit Bureaus, to convince you that you have no legal options to remove bad credit from your credit reports...
What Are You Going to Do?
The credit bureaus public relations machine will stop at nothing short of sparking costly lawsuits to convince consumers that nothing can be done regarding bad credit allegations they put onto your credit report. Our affiliated attorneys are often surprised at how consumers are oppressed by credit bureaus and debt collectors. Our members report being shunned by these businesses and are frequently told that they have little to no say over what is reported about them.
What Does Congress Have To Say?
Findings - The Congress makes the following findings:
Consumers have a vital interest in establishing and maintaining their creditworthiness and credit standing in order to obtain and use credit. As a result, consumers who have experienced credit problems may seek assistance from credit repair organizations, which offer to improve the standing of such consumers.Sec.402 (a) CREDIT REPAIR ORGANIZATIONS ACT. Title IV of the Consumer Protection Act (Public Law 90-321-, 82 Stat.164)
Free Consultation
Let us prove our capabilities to you. Contact us now and take advantage of our FREE - NO OBLIGATION credit report review. Send us recent copies of your credit reports. (We will gladly help you obtain them if needed.) Upon receipt of your reports, we will provide you with more information for NO COST or Obligation:
- Comprehensive credit report analysis
- A plan detailing attorney recommended legal strategies.
- Information on any additional Member Services recommended helping you
achieve your creditworthiness goals. - We will show you actual "before & after" credit reports.
Four Easy Steps to Credit Repair
1. Enroll in D.W. Scott Financials preferred program so that one of our affiliated attorneys can start working on your behalf.
2. Your assigned attorney will analyze your credit reports and develop an action plan.
3. Your assigned attorney will work to force the removal of all negative items.
4. As a result, your credit score will increase. Many see a 120+ point increase.
Membership Benefits
Membership Information
As a Member You Can Take Advantage Of These Benefits and Services
Credit Audit Verification and Attorney-Facilitated Credit Restoration
Included in your membership is representation by an affiliated attorney to challenge the 3 major national credit bureaus and force the removal of derogatory information from your credit report. As a special member benefit, only extended to D.W. Scott credit repair Members in good standing, our affiliated attorneys will aggressively represent you with NO up front fees nor ongoing monthly fees. Your total legal fees are only $5 per deleted or corrected item per credit report; billed and paid directly to your attorney as a "correction fee"- payable ONLY AFTER YOU ARE NOTIFIED BY THE CREDIT BUREAUS OF YOUR RESULTS.
Free Bankruptcy Advice
Members are encouraged to embrace the legal system and to make consistent use of our highly qualified attorneys who will help them navigate through life’s unexpected legal matters, such as filing for bankruptcy. Members receive a one hour free phone consultation and a review of any legal documents.
Debt Negotiation- Debt Settlement Services
One of our experienced debt negotiation attorneys will negotiate and then settle with your creditors. This service includes the negotiation of tax liens, collections & charge offs. This may be a viable alternative to bankruptcy.
Obtain a Secured Credit Card
As a member you are automatically approved for a secured credit card to purchase computers and consumer electronics. Of course your positive payment history will be reported monthly to the national credit bureaus further helping you re-establish your credit.
Free Credit Card Search Service
Conduct an online data base search of all of the banks in the US that offer sub-prime secured, unsecured and partially secured credit cards. We guarantee to have you approved for a minimum of two new credit lines.
Second Chance Checking Account
If you are unable to open a checking account due to poor credit or a derogatory listing in ChexSystems, we can help. Members can have access to an internet bank that will enable them to open a checking account. Members will have access to bank statements, direct deposits, free online bill pay and more. Funds are FDIC insured up to $100,000. (Debit card is included with the account)
IRS Defense
One of our highly experienced tax law attorneys that have represented numerous consumers against the IRS will provide advice. Members receive one free hour of a telephone consultation. Members receive discounts if additional assistance is needed.
Business Credit
Our member services department can help you establish corporate credit for your business. Building a corporate credit profile is very different from your personal credit profile.
Credit Reference ServiceD.W. Scott’s attorneys will provide a written credit reference at anytime for current valid members.
D.W. Scott has negotiated an exceptional program on behalf of its members. Token fees may apply to cover costs (or) comply with State and Federal Laws.
The Cost of Poor Credit
Keeping BAD CREDIT costs more than fixing BAD CREDIT
Have you ever stopped to think what having BAD CREDIT is costing you? How much have you paid in additional fees due to your poor credit rating? One estimate is that a poor credit rating costs the average consumer $3000 per year or $50,000 in a lifetime due to extra charges that are assessed simply because of a low credit score. Unnecessary deposits, excessive interest, higher insurance rates, lower paying jobs are just a few of the financial hardships faced by those with problematic credit. This dollar figure does not include the extreme inconvenience, additional stress, low self-esteem, and loss of dignity associated with being considered a second-class citizen in a society that is based on credit worthiness. Put an end to your credit problems…if it costs MORE TO KEEP BAD CREDIT THAN TO RESTORE YOUR CREDIT STANDING. Why would you want to pay MORE to have so much LESS???
The Cost of Bad Credit
Automobile Financing
If you are financing a car and have bad credit, you are probably paying thousands of dollars more than you would pay once you had restored your credit. This extra interest shows up every month in a dramatically higher payment. One of the first things that our members often do once they have restored their credit is to refinance their automobile for a fraction of their current payment or buy twice the car at nearly the same payment. Take a look!
$20,000.00 car paid over 5 years:
| Credit Status | Rate | Payment | Cost of bad Credit |
| Perfect | 7% | $396.02 | $0.00 |
| Midly Damaged | 10% | $424.94 | $1,735.25 |
| Damaged | 20% | $529.88 | $8,031.60 |
| Severely Damaged* | 25% | $587.03 | $12,460.00 |
Home Mortgage
The "American Dream" of owning your own home is out of reach for most people with credit problems. As you see below, even mildly damaged credit will cost a small fortune in additional interest. This forces credit challenged consumers to raise families in less desirable neighborhoods and to pay off someone else's mortgage for them leaving the credit challenged with only several years worth of rental receipts.
$100,000.00 home paid over 30 years:
| Credit Status | Rate | Payment | Cost of bad Credit |
| Perfect | 7% | $655.30 | $0.00 |
| Midly Damaged | 9% | $804.62 | $50,155.24 |
| Damaged | 12% | $1,028.61 | $130,791.63 |
| Severely Damaged* | Mortgage generally not available at any price | ||
Membership Fees
Individual Membership PlanA. Initial investment of only $195 and 6 monthly investments of just $175.
B. Save $250 by paying in full $995.Family Membership Plan
A. Initial investment of only $295 and 6 monthly investments of just $250.
B. Save $300 by paying in full $1495.
Special Circumstance Limited Membership Plan
Limited membership Plan Pricing Varies
Contact Us For Quote
Memberships may include:
- Inquiries only
- 3- Items or less
- Debt negotiation
- Rapid-rescore
Proven Results
Membership Testimonials
"I wanted to express my appreciation to your company for all the work and effort that has been put into my case. I have appreciated the results so much that I have told everyone about your company and the wonderful results that I have seen as well as the excellent service. I have referred two people to you. More may be on the way. ; )"
— Matthew Spencer, Brentwood, CA
"Thank you for your service! You guys are awesome!!"
—Roberta Sanchez, Bakersfield, CA
"Thank you for your hard work and commitment. I have noticed great things on my report."
— Veronica Maiter, Portland, OR
"I wanted to take a moment to say thanks for your diligent work on my behalf. Because of your efforts, my credit score has increased by more than 200 points!!! Keep up the GREAT WORK!! Thank you very much."
— Carl Stewart, Tarzana, CA
"You'll never guess... I just got approved for a home loan 7% int... and no pts... and refinanced my car!!! YOU GUYS ROCK!!!! More to come later!!! "
— Paula Tuggle, Newport Beach, CA
"WOW!! The service with you guys is unbelievable! Thanks for all your help. You guys are helping me build a better future. Thanks."
— Michael Kranz, Sacramento, CA
"I can see that your method really works. I appreciate all that you have done for me so far. Already, I was able to walk into a car dealership, get an approval in a matter of minutes, and qualify for a tier 1 rating (and you're not even done yet). I haven't been tier 1 in years! I also want you to know that I have recommended your services to many of my friends, family, acquaintances and business associates. No matter how careful or diligent you are, you can still end up with blemishes on your credit report. I'm glad that you guys are out there to help remove them."
— Michael Kranz, Sacramento, CA
"I just wanted to thank you for what you have done thus far... I am looking forward to the day when my credit reports will be looking like new again. It's a pleasure to have you on my team... Thank You."
— Liz Tanner, Sylmar, CA
"I must congratulate you and your team of credit repairing professionals on a job well done. Please continue to keep up the good work... Because of your firm's great work I recently scored 689 on Fair Issac, 673 on Beacon and 628 on Experion in attempting to qualify for a 30-year mortgage. Today, I received approval from my lender on my new mortgage and my wife and I are now the proud owners of a $350,000 home. If it wasn't for your firm's work, we don't know where we would be today... Thank you."
— Barry Prewitt, Glendale, CA
"This is fantastic! I have a few friends that are going through another credit repair company and it's not as detailed, professional, or as convenient as your firm's. So I truly thank you for that. Thanks so much for the hard work you are putting into my case. I will be passing along this information about your firm to many other people that I know. In looking at some of the things that have been deleted from my reports thus far, I can not believe that I waited this long to do this. I look forward to many more successful deletions! Keep up the great work!"
— Garret Nicholson, Seattle, WA
Actual Credit Reports
Did you know that your name, address and where you live can affect your credit scores? View actual members credit reports and see for yourself the types of items our highly experienced credit law attorneys ROUTINELY and PERMANENTLY get removed!
Results 01 - bankruptcy and derogatory deletions, address updates
Results 02 - federal tax lien, foreclosure, derogatory items and collections deleted
Results 03 - civil judgment deletions, derogatory items and collections deleted
Results 04 - numerous paid and unpaid civil judgments deleted
Results 05 - numerous mortgage late and credit card deletions
Results 06 - numerous student loan items and collection deleted
Results 07 - numerous judgment deletions
Results 08 - collection deleted and numerous student loan lates deleted
Results 09 - numerous judgment deletions
Results 10 - numerous collections deleted, tax lien deleted
Results 11 - numerous charged off accounts and collections deleted
Results 12 - numerous charged off accounts deleted
Results 13 - bankruptcy, tax lien and numerous collections deleted
Results 14 - numerous collections deleted
Results 15 - Ch. 7 and 13 bankruptcies deleted
The Membership Protection Warranty
We Believe You Should Not Have To Pay For Ineffective Service
As long as you do your part, if there are no derogatory items removed from your report within the first 3 months of membership, at your request we will terminate your membership and refund you all membership fees paid.
At the conclusion of your 6 months membership, if there are any derogatory items left on your report, an evaluation of your results will be performed. A value of $100 will be placed on each deleted or improved item and subtracted or added from your total amount paid. Any difference will be refunded to you.
In addition if for almost any reason you are not satisfied with your results; our attorneys will extend your case and continue to work on your behalf until you are completely 100% satisfied with your results.
No Guarantee
It is important to understand that there can be no absolute guarantees involved in any legal matter. As in a court of law, an attorney could never guarantee that a judge would rule in their favor. However, based on extremely positive past experiences, we offer our members the industries only "Membership Protection Warranty" to protect their membership investment.
Call your D.W. Scott Financial representative to get started
(866)-240-6885