Discover How You Can Reduce Your Credit Card Payments and Improve Your FICO (IRRM)

The IRRM Program, Interest Rate Reduction Mentoring, is a program that allows the consumer to learn firsthand what to say to their credit card companies to reduce the interest rates on their credit cards; by doing so they can reduce their monthly payments.  This is done during a one-on-one mentoring session with a student.  Our Educational Advisors specializing in Rate Reduction educate the student on what will be the best options for them. Then together, the Advisor and the student call the card companies to ask for a reduced rate on the student's credit cards. It's really that easy! We know the right numbers to call, and the right people to talk to. We'll do the talking to your creditors, while you just listen and learn! (Understand that this is NOT debt negotiation, because we make your creditors understand that we are doing this in the context of an "educational program." Therefore, this program only improves your FICO and thus may be used as a stand alone service or a perfect companion to the ADE Program.)

As part of this educational process, the student learns various options to move some of the balances on their high interest credit cards to reduce their interest rates even further.  The reduced interest rate lowers the monthly payment and makes it possible to speed up the amount of money that goes to the principal. Ultimately, the student will achieve True Financial Freedom sooner.

The student also learns how to increase the limits on their credit cards.  Why should you do this? This is done to reduce the percent of actual usage, which will improve one's FICO. 

Our Interest Rate Reduction Services will help students:

1. Lower the purchase rate on their cards.
2. Increase the credit limit on their cards.
3. Achieve a lower rate with a balance transfer.  Our Advisors will also help the student through the actual balance transfer process with their Credit Card Company.

If none of the items above are successful within 12 months, a 100% refund shall be given for the IRRM Program. As with any of our services at 3D Debt Solutions, LLC, Your Delight is guaranteed.

Our Mentors guide the student through the process of completing a balance transfer.  We start with the one-on-one education that is necessary for dealing with credit card companies successfully.  We then review the student's credit cards.  This helps us gauge which cards might be best to do Balance Transfers with.  The Advisor and the student will go through the IRRM process with up to 3 credit card companies and a total of 6 credit cards.

We close the training call by recapping the things that were accomplished.  We confirm the email address to send the student materials so they can reference exactly how to deal with their credit card companies in the future.  Our Advisors also confirms that the student knows they have a follow up call included in the IRRM Program anytime after 6 months (and within 12 months) for the cards we helped them with. The student needs to remember to call for the follow up IRRM session.

Disclosure for students: The immediate benefits of this program are dependent on the student's credit score and credit history.

Recommendations that we have established to ensure success for a student on the IRRM Program: 

The best outcomes occur for students who have a FICO score of 650 or higher.  However we can work with lower credit scores, but the results will not be as good. We cannot work "magic," after all.

We do not recommend calling credit cards companies that have had a late payment two times or more within 6 months, and/or 3 or more late payments in the past year.  We can still help with other credit cards where there have been no payment problems.

-IRRM can generally help lower purchase rates in the range of 12% or higher down to as low as 8.5%, representing significant payment reduction and interest savings. 

-IRRM can achieve Balance Transfer rates of 0% - 7.99% for either a limited time or the life of the loan.

-Your Advisor will attempt a courtesy credit limit increase. This improves the student's FICO score while paying off debt.  The Credit Card Company will usually need to look at the history with the card and/or run a credit report.  In these cases the student may need to wait some period of time for the results.  Our Advisor will go over the results with the student as part of the program.

So, what does this service cost? Really, it "costs" you nothing. After all, by reducing your interest rates you'll be saving hundreds or thousands of dollars in interest payments. The tuition for this educational service is included with the ADE program or by itself (w/o ADE) for $299. We accept payment by: 1) credit card or 2) check by phone or check by fax. We shall not process your payment nor proceed with the service until we review your application as a good fit for this program (usually 72 hours).

Credit Report Repair (CRR)

You may have your debt under control at this time and just want to improve your credit score now, or you may need to later, after you finish our Debt Settlement Program because your credit score will probably take a hit over the early months of the program. However, as each account is settled your score will improve. Exactly how much and how fast will depend on your past credit history, number of accounts and various other factors. If your credit report needs attention at the end of the program, there are usually errors, incorrect information and old data that can be removed from your report by contacting the credit report agencies directly, or hiring a professional to do it for you. This will speed up the process of credit report repair. We include education on how to repair your credit report with our Debt Settlement Package, or if you want professionals to do it for you, click banner below: