OUR SERVICES
We offer three tailored paths to financial freedom. Whether you need comprehensive attorney-led support or prefer a guided DIY approach, we have the right solution for your situation.
CREDIT REPAIR
Have you been DECLINED for any of the following LOANS during the past 12 months?
- CAR loan
- HOME loan
- CREDIT CARD
- PERSONAL loan
- SHORT TERM loan
Our Credit Repair partner will REMOVE all negative info on your Credit Profile setting you up for a successful re-application?
We require the following to do a FREE assessment of your Credit Profile and to advice what is required for you to qualify:
- Consent to do a FREE check with Experian Credit Bureau
- Copy of your ID for POPI purposes
- Copies of 3 months Bank Statements reflecting your Salary
- Copy of your latest Payslip
VDM Credit Repair and/or the Attorneys on our panel can assist with:
- REMOVAL of Debt Review flag
- REMOVAL of Judgement
- REMOVAL of Adverse listing
- REMOVAL of Trace Alert
- CORRECTION of Credit data
- etc. etc. etc.
SCORE FIX
Are you struggling to pay ALL your Credit Accounts every month?
You need help but you DON`T want Debt Review?
If you tick both the afore said boxes, then our SCORE FIX PROGRAM offers the perfect SOLUTION.
This PROGRAM is managed by the ATTORNEYS on our panel who have almost 40 years experience in the handling of Debt matters in South Africa.
HOW DOES THIS PROGRAM WORK:
- The ATTORNEYS on our panel will liaise with your Creditors on your behalf
- You may therefore say "don`t talk to me talk to my lawyer"
- Furthermore the LAW dictates that your Creditors and/or their Attorneys or Debt Collectors may NOT phone you
- Your Rehabilitation Plan will expedite the improvement of your CREDIT SCORE
- ALL Fees are included in your PAYMENT PLAN - meaning you DON`T have to pay extra for FEES
R5,799 once off to be paid via your Payment Plan
PLUS a monthly Attorney Fee of R550
You will be required to either pay your Creditors through the Attorneys on our panel OR you may opt to make payments yourself via the Distribution Bank on our panel.
Depending on the RISK of Summons and Judgement on your Profile, you may switch to any of our DIY Programs. The Attorneys on our panel will advice when it will be SAFE for you to make the switch at no additional costs.
DO-IT-YOURSELF (DIY)
There may be several reasons why you may prefer to handle your affairs yourself with the guidance of our DIY Plans.
One reason being the COSTS.
Another reason may be that you are cautious of scams and consequently don`t want to make payments to 3rd parties.
You want to make sure that you DON`T end up under Debt Review.
DIY basic
This option is ideal for Low Risk or Medium Risk consumers. It also works well for those Consumers who don't have a big focus on fixing their Credit Score and merely want to do something about their Debt.
What you get:
- Payment Plan
- Creditor Notices drafted by the Attorneys on our panel
- Guide: how to handle Creditor enquiries
You pay your Creditors yourself. You may choose to use your own Bank Account OR you may opt for the Distribution Bank on our panel.
DIY pro
This option is ideal for Medium to High Risk Profiles. This is the ideal option for someone who wants to SAVE on their monthly Instalments AND also want his/her Credit Score to IMPROVE.
ALL Fees are included in your PAYMENT PLAN - meaning you DON`T have to pay extra for FEES
What you get:
- Payment Plan
- Creditor Notices drafted by the Attorneys on our panel
- Guide: how to handle Creditor enquiries
- Attorneys on our panel to monitor and provide guidance how to handle Creditor enquiries
- Attorneys drafting reply emails and/or Whatsapps in response to Attorney or Debt Collector enquiries
- Attorney advice how to avoid Summons and Judgement
- Adjusting your Payment Plan every 3 Months or earlier in compliance with your Rehabilitation Plan
- Update your monthly Distribution list
- 30 minutes telephone consultation with the Attorneys on our panel regarding your Credit Profile
You will be required to pay your Creditors through your own Bank Account and Distribution Account to be hosted by the Bank on our panel
Ready to Take Control of Your Finances?
Choose the service that fits your needs and start your journey to financial freedom today.