Thank you for considering ScoreCorrect. We appreciate your time and consideration thus far.

Our Passion

With a passion to eliminate as many barriers as possible for homeownership, ScoreCorrect Credit Optimization exists to help make homeownership possible to those that thought they could never qualify for an affordable home mortgage.

Overall, 88% of ScoreCorrect clients looking to purchase a home reach their lender’s target credit score after adhering to our program.

Staffed by knowledgeable professionals and attorneys, ScoreCorrect thoroughly examines each credit report, taking the necessary steps to dispute any and all discrepancies they might find. ScoreCorrect is fully compliant with the consumer protection laws including the Credit Repair Organizations Act (CROA) and the Fair Debt Collection Practices Act (FDCPA).

Our Credibility

ScoreCorrect is fully licensed, registered, and/or Bonded as required in every state in which we operate.

ScoreCorrect is rated “A” with the Better Business Bureau where we have received zero complaints in the past 36 months.

Matt Arnold, ScoreCorrect General Counsel

Matt received his Bachelor of Science in Business Administration from The Ohio State University in 1990, and his Juris Doctorate from Capital University Law School in 1996, where he graduated Magna Cum Laude and served as the Editor-in-Chief of the Capital University Law Review.

Matt obtained his Fair Credit Reporting Act Certification from the Consumer Data Industry Association, and has participated in intensive credit expert training conducted by John Ulzheimer, a nationally known consumer credit expert. Matt is currently the General Counsel for ScoreCorrect.

Letter from Matt

WELCOME TO SCORECORRECT!

ScoreCorrect is a company that stands as a unique success in operating a legal, ethical, and results-driven credit repair organization.

ScoreCorrect was designed following three parallel paths – legal compliance with state and federal laws, effective processing methodology, and effective customer service and communication.

A vast majority of credit repair companies simply neglect their obligations to register and/or to post a surety bond in those states that require it. Not ScoreCorrect. We register and post bonds where required, and we meticulously adhere to the mandates of the Credit Repair Organizations Act and the laws of your state. This protects you as well as your customers.

ScoreCorrect’s processing methodology also sets the standard to which others aspire. We do not simply challenge all negative tradelines in hopes that something sticks; instead we thoroughly analyze the credit report, and, in consultation with the consumer, identify those items that reasonably contain inaccuracies, unverifiable information, or obsolete data. This allows us to provide the most effective reasoning to the credit bureaus as to why an item must be corrected or removed from the report. But we do not stop there. An equally effective tool involves sending attorney requests for verification of questionable accounts to creditors and collectors.

Finally, ScoreCorrect’s effective customer service and communications sets it apart from the pack. This is especially true where the consumer is referred through a loan originator’s office. ScoreCorrect is expert at keeping the referring LO informed as to the status of the credit correction case, and, importantly, in getting the consumer back to the LO with a mortgage-ready credit score.

Thank you for taking the time to review the enclosed information and for considering ScoreCorrect for your clients who may need assistance with their credit scores before becoming loan-ready.

Best regards,
Matthew J. Arnold, Esq.
General Counsel
ScoreCorrect

CURRICULUM VITAE

Matthew J. Arnold
249 Indiana Avenue, Valparaiso, IN 46383
(219) 406-3396
marnold@CreditReason.com

PROFESSIONAL EMPLOYMENT

• CreditReason, LLC,Owner

  Founded www.CreditReason.com to provide expert consultation services in area of consumer credit reporting, credit scoring, and compliance under the FCRA,FDCPA,CROA, and RESPA.

• ScoreCorrect, General Counsel

  Prepare all consumer contracts and disclosures and review all website content for credit repair company’s compliance with federal laws, including the Real Estate Settlement Procedures Act (RESPA), Credit Repair Organizations Act (CROA), Fair Debt Collections Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and state counterparts; conduct state-by-state survey of legal requirements and prepare necessary state licensing and bonding applications. Analyze credit reports and FICO scores, and advise clients in resolving credit and collection disputes; prepare forms for challenging erroneously reported information on credit reports.

• Valparaiso Entrepreneurial Consultants, LLC, Owner

  Provide business consulting services pertaining to regulatory compliance in areas of ERISA, human resources, document retention and privacy.

• The Genesis Foundation, Inc., General Counsel

  Serve as general counsel to a national non-profit corporation whose focus is to provide assistance to low-income and first-time homebuyers. Provide advice on HUD, RESPA, and FCRA compliance issues.

• Arnold & Busse, LLP, Partner, 2003-2008.

  Represent plaintiffs and employers in employment matters, including wrongful termination, discrimination, and insurance disputes; form and advise LLC’s; advise in range of real estate matters; and handle debtor/creditor matters, including collection disputes, identity theft, and credit report repair.

• Spangler, Jennings & Dougherty, P.C., Associate, 2001-2003.

  Defend and prosecute Title VII employment discrimination, ERISA, contract, premises liability, corporate officer liability, and negligence claims.

• Bricker & Eckler LLP, Litigation Associate, 1996-2001.

  Defend and prosecute RICO, ERISA, age discrimination, fraud, conversion, tortious interference, trade secrets, fiduciary duty, contract, premises liability, and corporate officer liability claims; prosecute zoning appeals.

• The Honorable Alan E. Norris, United States Court of Appeals for the Sixth Circuit, Judicial Extern, 1995.

  The Honorable George C. Smith, United States District Court for the Southern District of Ohio, Eastern Division, Judicial Extern, 1994.

EDUCATION, TRAINING AND CERTIFICATIONS

• FCRA Certification, Consumer Data Industry Association, 2009.
• Expert Credit Witness Seminar, Scottsdale, Arizona, 2009.
• Capital University Law School, Columbus, Ohio, 1993-1996.
• Juris Doctor, Magna Cum Laude, May 1996.
• The Ohio State University, Columbus, Ohio, 1985-1990.
• Bachelor of Science in Business Administration, March 1990.

HONORS AND ACTIVITIES

• Capital University Law Review, Editor-in-Chief, 1995-1996; staff member, 1994-1995.
• Capital University Law School, Legal Writing Teaching Assistant, 1994-1995.
• Book Awards in Federal Courts, Civil Procedure, Legal Writing, and Contracts.
• Admitted to Practice Law in States of Indiana and Ohio (inactive), the U.S. Seventh Circuit Court of Appeals, and U.S. District Courts for Southern District of Ohio and Northern District of Indiana.

PUBLICATIONS AND OTHER WRITINGS

• Contributor, CreditCRM Forum, 2008-Present.
• Contributor, Industry White Papers on topics of Credit Scoring and Credit Repair
• Matthew J. Arnold, The Lack of Basic Writing Skills and Its Impact on the Legal Profession, 24 Cap. U. L. Rev. 227 (1995).