What is a credit report?
A credit report is
a track record of both your personal and financial
credit information. Which includes information
taken from public records, personal identification
and debt information.
Back to Top
How many are there?
There are 3 major credit bureaus: Equifax, Transunion,
and Experian
Back to Top
Are all 3
important?
Each one of the three
major credit bureaus will reflect at least one-third
of your total credit history. If you are requesting
a credit card, some one can look at your Equifax
report and find nothing that would keep the
credit card company from issuing you the card.
However, they might also look at your other
reports, Transunion and Experian, and find flaws
in your credit file. That's why it is extremely
important to use a credit repair service that
repairs not one, but all three of your bureaus.
(Including CSC)
Back to Top
How long
does it take to repair my credit?
As we mention in
your welcome call each situation is different.
We generally tell all of our clients that they
can expect anywhere from 3 months to see a noticeable
difference, to 6 months to complete the service.
Credit repair is a process and although we work
quickly to repair your credit we can only move
at the credit reporting agencies, court houses,
and creditors' pace.
Back to Top
I just signed
up, what happens now?
Within 3 to 5 business
days from the time you sign up, we will obtain
a copy of your three credit reports (which is
already included in our fee for no additional
charge). Our specialists will begin working
with the credit bureaus toward removing the
negative items from them.
Please understand that credit repair is a 6
month process depending on your situation. Approximately
60 days from the time you sign up you will receive
a new, updated copy of your credit reports from
the credit bureaus (Transunion, Equifax & Experian).
When you receive all three of your updated credit
reports, just slip them into an envelope and
mail them to us so we can continue to work for
you toward repairing your credit. All you have
to do is continue to send the updated copies
of your reports as you receive them. If you
have access to a fax machine you may also send
your files to us via fax as well. Many companies
do not allow you to fax your reports, however,
we believe in keeping the process as simple
as possible for you. If it is more convenient,
you may fax your updated reports to us as your
receive them throughout your entire service,
24hrs a day! (See "contact" on our home page
for where to send your reports)
Back to Top
How long
does it take after I sign up to receive my credit
reports?
There is no definite
answer. We provide you with up to 6 months of
service to ensure that you receive the highest
quality of results. We typically suggest that
you will receive your reports within 60 days
of signing up. If you do not, you can always
contact a representative or email us for an
update of your service.
Back to Top
Does paying
off my bills repair my credit?
Unfortunately, the
credit reporting system just doesn't work that
way. When you pay your debt, the negative
credit listing doesn't disappear. There is little
difference between a paid negative item on your
credit report, or an unpaid one. In most cases,
you won't get much further by paying the old
debt. We can recommend a debt negotiation service
to help you in that situation...simply ask your
representative.
Back to Top
Who can see
my credit reports?
Our credit service
specialists are the only ones who will see your
credit reports.
Back to Top
How do you
restore bad credit?
Once we have your
credit reports, we dispute the credit reporting
agencies, court house, and creditors or lenders
on your behalf. Any information the agencies
or creditors cannot verify is removed.
Any dispute not responded to within the allowed
response time is removed.
Probably sounds easy,
but if you ask someone who has attempted to
dispute their own credit, they will tell you
it's actually not. According to federal law,
the credit agencies can ignore your dispute
under a variety of conditions. A large percentage
of dispute letters sent directly from consumers
are rejected under one credit agency pretext
or another. Making it a very time consuming
and frustrating task.
After we dispute your negative credit, a new
copy of your credit report will be sent to your
address showing any deletions or improvements.
When you receive your new copy you'll send us
the updated version of your credit report, so
we can continue disputing the remaining negative
items.
Any accurate and
verifiable information will remain on the credit
report. All too often, disputed credit items
cannot be verified or in many instances the
creditor will not respond to our dispute due
to our approach and the negative item is removed.
Back to Top
How Does
Your Company Do this Legally?
Disputing your credit
report is your right according to the Fair Credit
Reporting Act and FACT act. Credit repair is
a completely legal and necessary service. We
hold the credit reporting agencies accountable.
Simple as that.
Back to Top
Can late
payments be removed?
Yes, our methods
of disputing have proven to remove any type
of late payment whether it is 30,60,90,or 120
days late. We see more late payments being removed
than any other negative item.
Back to Top
Can collections be removed?
Yes, we also can
recommend a great debt negotiation service that
can have your collections and other outstanding
debts negotiated in most instances by 50%!
Back to Top
Can repossessions
be removed?
Yes, our proven methods
of dispute can remove repossessions. Repossessions
are difficult to remove, so the percentage of
removals would not be as high as a simple late
payment for example. However, there is no action
step or approach that we won't take.
Back to Top
Can foreclosures
be removed?
Yes, Foreclosures
can be removed. Although they are very difficult,
we again take every step possible to do so.
Back to Top
Can bankruptcies
be removed?
We generally tell
our clients they shouldn't expect their bankruptcy
to be removed. Simply because, bankruptcies
are public records, and tend to be in most cases
the most difficult to remove if they are still
within 7 years old. Our service has been known
to remove them with an impressive 35% success
rate. Knowing what to do after you have filed
for bankruptcy however is more important. Ask
your representative for details. Our advice
is if you have a bankruptcy on your credit record,
you still will benefit greatly from our service
due to the removal of so many other negative
items on your report. However, please understand
there is no way to guarantee the removal of
such a serious public record—no one can. Any
company or individual who promises to remove
your bankruptcy (assuming it is recent and has
not legally expired) is not being honest with
you. We understand and practice every legal
method possible—and we know credit repair.
Back to Top
Can student
loans be removed?
Late payments on
student loans can be removed, although student
loan debt can not be settled.
Back to Top
Can inquiries
be removed?
Yes, a creditor must
provide documentation showing you applied for
credit with their company, if they do not provide
proper verification then the item is removed.
Back to Top
What items
can be removed?
A better question
would most likely be "what item cannot be removed".
We can remove everything you can imagine, here
is a list of some:
Back
to Top
How much does
your service cost?
We have two payment
options:
You can pay for your entire credit
repair service in full for only $267, or you can
also choose our payment plan, which is only three
payments of $89 and a $19 setup fee. The setup fee
is added to your first payment making it a total
of $108. This first payment is due at the date of
enrollment. Your second payment of $89 is due 30
days from the date of sign up. (30 days after your
first installment was made.) Your third, and final
payment of $89 is due 30 days after your second
payment. All together once you have completed your
payments the total is $286. The payment plan will
provide you with the same service and benefits you
would receive if you paid in full. The only difference
is the $19 setup fee. By choosing to pay for your
service in full ($267) however, we waive your $19
setup fee.
Regardless of which payment
option you choose, everything is covered, including
the initial copies of your credit reports needed
to begin your service. We acquire them for you,
so you don't have to, and we're the only company
who does this for you.
Back
to Top
How does your
guarantee work?
It's a simple "satisfaction
guarantee". You really don't see that kind of
confidence from most credit repair companies. If
you are not satisfied with the service, you are
entitled to a full refund. However, we do ask that
if you are not satisfied you bring this matter to
our attention so that we can attempt to resolve
your concerns. Simply put, we are a fair and honest
company. You will receive the service you
pay for, if you do not, all we ask is a fair opportunity
to satisfy you. We will not tolerate any client
trying to take advantage of our good faith guarantee
by trying to receive a "free" service.
We in return will always provide
our clients with the highest level of results possible.
We do not consider one or two items corrected the
"highest level of results possible" either, unless
those are the only two negative items within your
entire credit history. We are one of the most aggressive
companies out there, we will do everything possible
to provide you with the greatest improvement to
your credit reports. We have no challenge offering
a full refund if we were not able to help you.
Keep in mind however, no
one can promise or guarantee the removal of any
specific item on your reports within a given time
frame. No one. The methods, techniques, loop holes,
used to repair your credit simply do not allow for
such a bold statement. Any reputable credit repair
company will tell you the same. If they don't, then
they are more interested in your money rather than
their own integrity. The only approach a legitimate
company can make is to exhaust every legal angle,
loop hole, and gray area possible. This is how credit
repair works.
Back to Top
How will I know
it works?
Easy! Every time you
receive updated credit reports throughout your service
you will see items that have been changed, updated,
or removed. If an item is changed or updated, it
generally means that there was negative information
associated with that account (such as a late history)
that has now been removed. If an account was removed
all together from your credit report, it means that
the item was a negative listing against you. Usually
these items are collections, chargeoffs, foreclosures,
etc. Every report you receive as a results of our
efforts means your credit is improving and your
score is increasing!
Back to
Top
|
