How Does the System Work?

Credit Education System 101

The CES101 is a powerful and proven system that helps people take control of their personal finances! We achieve this objective for our Associates and Customers in two ways, first with our proven system that utilizes all relevant state and federal laws to help our clients improve their credit profile, and secondly, through our ever expanding educational program. We use a wide array of laws to help our clients get the best results:

  • FCRA - Fair Credit Reporting Act
  • FACTA - Fair and Accurate Credit Transactions Act
  • FCBA - Fair Credit Billing Act
  • FDCPA - Fair Debt Collection Practices Act
  • RESPA - Real Estate Procedures Act
  • HIPPA - Health Insurance Portability and Accountability Act
  • ECOA - Equal Credit Opportunity Act

Our goal is to work with our clients, so that they understand their rights in regards to credit and debt. Furthermore, we believe that credit worthiness is not a 60 to 90 day process, but rather a long-term pursuit that requires a commitment to achieving financial literacy through education and behavioral modification. Therefore, our focus is to be a partner with our clients through the entire process of improving their total personal financial situation. iRestore does not and cannot guarantee specific results, because each persons credit background is unique. It all comes down to whether or not the negative items on a client’s credit profile are meeting the requirements that are outlined within the Fair Credit Reporting Act. If they aren’t, or they aren’t verified within a reasonable amount of time, then by law they must be deleted.

The Process

When an Associate joins iRestore and pays the set up fee, they are given a personalized replicated website, a password protected Virtual Office, a secure portal inside the Virtual Office as well as access to the CES101 Personal Financial Workbook and related educational material. If a customer is joining then they will simply be given a Secure Portal for uploading information. Within three days of joining we ask that our Associates and Customers upload the requested information to their Secure Online Portal. We then take that information and create personalized letters that we send out to the Credit Bureaus such as TransUnion, Equifax and Experian – using the various state and federal laws to challenge items on our clients credit profile. We will also send out letters directly to creditors and other parties related to our clients credit profile. When the various credit bureaus and creditors respond to the original letters we will send out a second round of specific and targeted letters. The initial set up fee covers our Associates and Customers for a period of 60 days.

iFinancial Systems (iFS)

The iFS is iRestores proprietary online money management system! It was created to give our Associates and Customers an easy to use online system for managing their cash flow on a month-to-month basis. It is also a powerful component in the educational and practical process of creating budgets, planning for short and long term financial goals and getting control of your personal finances. The iFS, which carries a monthly fee, gives our Associates and Customers ongoing work towards improving their credit profile!

Anyone can become an iRestore Independent Associate for just $49 today by enrolling from the website of the iRestore Independent Associate that referred you. As an iRestore Independent Associate you will receive your own website and Virtual Office access for ordering iRestore products.

Your future is important to us

and together we can make it happen!