A Message from Our Founder

Due to the constantly changing environment in consumer credit, we have decided to grow Hampton Credit from a simple credit repair company to one which focuses on the consumer’s “Credit Wealth”.  The reason behind our decision is that without a solid understanding of how to manage their credit, we found that we were simply repairing a customer’s credit only to have them repeat the same mistakes.

Frankly, we have a greater responsibility to our customer than this.

Now, by combining our experience in credit repair with a greater knowledge of credit management, we are providing Americans with a total solution to restore their credit and keep it healthy.  By doing so, we are not only educating consumers on how to repair and manage their credit, but we are also saving them hundreds of thousands in interest fees over their lifetime, thus restoring their credit wealth.

We have already modified our popular Hampton Credit Simple and Simple Plus plans to reflect this new mission.  Here is a brief summary of what you will find within these web pages.

Best regards,

Brian Barnes
CEO
Hampton Credit

A low credit score will increase your interest rates, increase your credit payments, and cause you to lose millions in lost retirement income over the course of your life.  All of this simply because of your three-digit credit score.  The power that this number has come to influence in our lives is astounding.  If it is not managed correctly, this one number can destroy your financial health and cost you hard cash every month.

Let us help you take back control of this number and show you very simple methods to improve and maintain a healthy credit score.  It really is simple, but it’s up to you to take the first step, are you ready?

Hampton Credit Simple
Nearly 40% of the US consumers have a fair-poor credit score.  If you are one of them, our Simple Plan will customize our powerful strategy to your situation and put you on the road to credit wealth.  Here is how it works:

Step 1 – Together We Analyze Your Credit Situation. 
One of our credit experts will take a look at your existing credit reports and talk with you about your financial situation.  We will review what happened to your credit in past, how it looks today, and discuss options for the best way to improve your credit moving forward.

Step 2 – Together We Plan for Credit Management. 
This facet of the strategy focuses on your currently open accounts, your mix of credit types, age of accounts, balances, payment history, etc. which will affect your credit moving forward.  Our objective is to create a simple, low maintenance plan that will transform your current credit accounts into the ideal mix that the credit bureaus are looking for, maximizing your credit score.

We will use tools that allow you to monitor your credit score, prevent late payments from occurring, and reduce balances on your existing accounts.  We will even consider whether you need to close some accounts or open new ones based on your situation.  This is a lifelong plan guaranteed to build and maintain excellent credit.

Step 3 – Together We Plan for Credit Restoration. 
This step focuses on repairing any damage that has already occurred to your credit.  We identify any negative tradelines on your credit report such as late payments, collection accounts, charge offs, liens, etc. and review your options in getting those items removed.

Then we draft disputes for the information you would like to challenge the credit bureaus on, including debt validation letters to target collection agencies.  These documents, as well as templates for a variety of other potential situations, are yours to keep and use as needed.

This plan includes both quick fixes and long term strategies, all based on your specific situation.  Our proven method of disputing tradeline items puts the power in your hands, giving you the ability to restore your credit at any time, without having to pay for a costly credit repair service.

Step 4 – Achieving Credit Wealth.
Our Simple Plan stops here with the complete, customized credit wealth strategy guaranteed to give you superior credit.  The entire plan is presented to you in writing, and then our credit expert will go over the plan in detail, answering any questions you may have. 

And it doesn’t stop there.   We realize that the first 30 days are critical, so you have unlimited access to our team as you get started.  Ask questions, implement the plan and watch your credit score, and credit wealth, begin to grow!

Hampton Credit Simple Plus
For those customers who want further assistance, we offer the Simple Plus plan, where we actually walk you through the implementation of the strategy step by step.  This is a great benefit for those customers who want our expert guidance and appreciate our ongoing advice during their credit restoration efforts.

The Simple Plus plan is a month-to-month service that can start and stop based on your needs.  For some individuals, the credit restoration phase can be quite extensive, requiring multiple disputes and correspondence between the credit bureaus and collection agencies.  In these situations it is helpful to have someone in your corner, ready to answer your questions and point you in the direction of what to do next. 

Our objective in the Hampton Credit Simple plan is to give you the tools you need to achieve great credit.  Our objecting in the Hampton Credit Simple Plus plan is to help you apply those tools in your life.  Regardless of how much assistance you need, we will be there to help.

Caution: Credit Counseling Services
Hampton Credit is not a “Credit Counseling Service”.  These services are set up to help customers plan budgets and repay their debts instead of going through bankruptcy.  One major criticism of these “non-profit” services is that each office is primarily funded by voluntary donations from the creditors that receive payments from people repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

Caution: Debt Management Plans
Hampton Credit does not offer Debt Management Plans (DMP’s).  These are often promoted by Credit Counseling Services as a way to reduce your account balances and make sure your payments are made on time.  It is also a way to avoid going through a bankruptcy.  Like credit counseling, this service has been greatly abused over the years, with many consumers worse off than when they started.

Done correctly, however, this can still be a great service.  If this is what you need, there are still some good credit counseling services offering legitimate DMP’s.  To get started check out the Federal Trade Commissions “Must-Do” list at http://www.ftc.gov/bcp/conline/pubs/credit/debt.shtm.

Caution: Credit Repair Services
Hampton Credit does not provide credit repair services on behalf of other individuals.  Instead, we choose to educate and empower you with the tools you need to accomplish this yourself.  In that manner you can work on repairing your credit today, tomorrow, or any time it is needed without paying someone else to do it.

Similar to Credit Counseling, and Debt Management Plans, the Credit Repair industry is filled with unethical and “fly-by-night” companies looking for a quick buck.  If you prefer to have someone else repair your credit, there are still many legitimate companies specializing in this area.  To make sure you have a good credit repair company, watch out for these red flags.

First, fees should be reasonable at less than $100.  Anything more is unjustified and likely a scam.  Second, credit repair fees must be collected AFTER the work is performed, per federal law.  And third, check out what the Federal Trade Commission has to say on the subject at http://www.ftc.gov/bcp/conline/pubs/credit/debt.shtm.