With stricter loan requirements enforced by lending agencies, having a high credit score is imperative. LoanSmart Inc. has launched a new division, Quality Credit Solutions, to assist consumers with improving their FICO scores.

Cleaning up a credit report typically takes years; however, Quality Credit Solutions engages a proven four-step process for credit repair that garners optimal results. The four steps are:

•Thorough examination of credit reports from the three major credit bureaus

•Identifying which items to dispute

•Challenging and disputing negative items with each credit bureau

•Reviewing responses and actions taken by the credit bureaus.

There are no hidden fees associated with Quality Credit Solutions services.

The firm provides unlimited support to clients in disputing negative items on their credit report.

The firm specializes in removing inaccurate, misleading, or unverifiable items, and challenging bankruptcies and charge offs as well. Clients may track online the progress and activity being performed on their account at any time.

"With a higher FICO score, individuals can refinance their auto and home loans, taking advantage of the current lower interest rates, which results in substantial monthly savings," said Joe Engle, LoanSmart president.

For more information, call Engle at (805) 915-2600 or visit www.qualitycreditsolustions.com.