This service can benefit people with inaccurate or invalid credit report information, those with short sales, foreclosures, bankruptcies, stolen identities, and more. The Homeowner Assistance Division has a team of negotiators with over 25 years of credit industry experience who evaluate clients' credit situations and goals to help them regain financial control through credit restoration or possibly bankruptcy. They have systems to improve credit scores within a client's budget and ensure the program fits their needs.