Melvin McDowell is a licensed Clinical Social Worker in the State of Michigan. He's also the owner and Clinical Director of McDowell Healing Arts Center & it's sister company, MHAC Financial. So, he's a business owner, trainer, consultant, college professor, Certified Family Life Educator, Board Certified Credit Consultant, and a soon to be Certified Financial Social Worker by May 2020.
The real question is why not now? With the onset of the Covid 19 virus and Michigan's Stay at Home order, many people and communities are struggling and will struggle financially. This is the perfect time to offer and transition to financial services and credit repair.
Certified Financial Social Workers are trained in many areas of finance and pass an exam to show their competency. An added benefit is that Mr. McDowell is a Board Certified Credit Consultant. Which is also a certification that can only be obtained through the passing of an exam. But even before the certification, A Clinical Masters of Social Work degree teaches Clinicians how to study behavior, interventions for behavior modification, and the compassion and understanding that all human beings fall under hard times or are just uneducated in some areas. And with the Credit Repair side of things, we have an experienced team of people will go to bat for you to improve your credit score.
This may be the first step for some people. Do you need to do a better job of understanding money, your finances, and your behavior as it pertains to money? Do you want to learn why you do what you do and ways to stop your habits? How about tips on how to control your money and not allow your money to control you?
Do you have blemishes on your credit report that you want to see if you can have removed? Did Covid 19 or other hardships play a negative toll on your credit report and you need some help? This may be the service for you.
Do you have good or decent credit but you want better credit so that you can apply for a loan, get a car, house, or other item? Talk to us about our credit building services and how we might be able to help you in this area.
Financial education, financial assessments, behavioral assessments, tips, and plans to help you move forward.
15-20 minute Zoom Meeting or phone call
45-60 minute meetings either face to face or via Zoom
45-60 minute meetings with multiple individuals or families.
Credit disputing, credit education, & Credit Analysis.
*This is what gets the process going. The price changes rapidly and is normally $199.00. We run specials often for different prices. The $1 enrollment does not include disputing Repossessions, Bankruptcies or Student Loans. Enrollment goes back up to $199 for those types of services.
*You have to carry credit monitoring for the duration of your credit repair and restoration process. This is typically 2-6 months depending on whats all on your credit profile and the responses from the credit Bureau as it pertains to our disputes. The $24.99 price is a special price we've negotiated with Identity IQ. If you don't use the link that we provide for you, and opt to go directly to their site, you will be charged $29.99 a month, by them with no 7 day trial.
Monthly Fees do not start until 30 days after we've disputed items on your report. This is typically 2-6 months depending on whats all on your credit profile and the responses from the credit Bureau as it pertains to our disputes. Prior to Covid19, Credit Bureaus only had 30 days to verify our disputes. Since Covid19, they now have 45 days. We haven't seen much delays but we like to keep our clients abreast of this information.
*You will pay your $1 enrollment and credit monitoring. We will only auto draft your service fee when we see that an item we have disputed has come off the credit profile or changed from late to on time. $15 is for Hard Inquiries, $50 is for items such as late payments, collections, or other errors, and $150 is for Repossessions, Bankruptcies, and Student loans. THIS IS NOT AN IDEAL PACKAGE FOR SOMEONE WHO HAS A LOT TO DISPUTE. Payment plans are available.
Via Annual Credit Report .com
*You have to carry credit monitoring for the duration of your credit repair and restoration process. This is typically a few months.
Before this meeting you will have given us access to your credit monitoring and before we meet via Zoom or in person, our office would have put together a customized Analysis.
This is not paid to MHAC Financial. This is paid directly to Identity IQ under a special pricing that they have given to our customers.
****COMING BY JUNE 1, 2020****
Yes and No. We will only require the last 4 digits of your social security card. We do not want the responsibility of handling your full Social Security Number. Plus, it is not needed.
No you can cancel anytime. Refunds will not be given once services are paid for.
No, Credit Karma uses a different way to add up scores. Credit Karma scores tend to a tad inflated as compared to your real scores. Plus our company can not interface with Credit Karma to import the results as they are happening for you in real time.
We guarantee that helping you be successful and improving your credit is priority for us.
We guarantee that if you are on one of our monthly plans, and you have not seen any positive improvements (deletions or a change from late to on time, or a credit improvement) within 90 days from the day of our first dispute, then we will give you all monies that you've paid to us, back to you. (This offer is void if you continue to request credit or pay bills late during the credit repair).
Most people see results within the first 45 days, due to COVID 19 we are asking for 60 days. We remind all clients that their credit didn't become damaged over night, so patience will need to had during this process.
When you sign up you will be given a very interactive client portal where you will be able to see everything that's going on. You will also be able to send secure messages to your assigned customer service and dispute reps. All of their information and a picture of them will be in your portal also.
(989) 341-3635 or
Due to call volume it is likely that you will get the voicemail. Please leave a voicemail. Please be advised that the numbers are different for MHAC Financial and McDowell Healing Arts Center although the address is the same.
firstname.lastname@example.org is the easiest way and fastest way to contact us and to get a response due to call volume. This is monitored around the clock.