Frequently Asked Questions
Contrary to what the credit bureaus would like you to believe, credit repair does work and can work for 100% of people in most circumstances. This is, of course, provided you are getting the best advice and have an experienced professional working on your case. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit repair; however, there are times when your own limitations make adhering to this advice impossible. The two limiting factors are: (1) your financial situation and (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items, if the creditor does not adhere to the law that outlines what needs to be done and by when. Our clients vary from having a few late payments to having collections, charge offs, repossessions, bankruptcy, foreclosure, liens, judgments, and inquiries. Therefore it will be quoted on a case-to case basis. Contact us for your free credit review. What can you do that I cannot? Nothing. We act as your representative due to our knowledge of credit scoring and our experience working with your creditors and the credit bureaus. I will say that our methods are tested and proven. You can try yourself, but mistakes on your part will make it harder for us to achieve optimal results. Our performance based warranty is easy to understand and is the best in the business. If we do not remove more than 25% of all the negatives we work on, from all three major credit bureaus, within six months from the time you sign up, then you don't owe us a dime.In order for the warranty to apply, you must have at least four negatives on the credit report at the time of sign-up, and may not have used a credit repair agency nor attempted to repair his or her credit in the past two years. Unpaid collections and unpaid charge-offs do not qualify for the warranty and are not included. Client must send in updates credit reports from all three credit reports within 5 days of receiving them. Updated reports should be received by the client every 15 to 45 days. How long will it take to raise my score? 93% of our clients see FICO score increases of 20 points or more in the first 35 days. Over the 90 day term of the contract, the average FICO score increase is 50 to 100 points. Why are your results different? There are two sides to the credit scoring battle. Sometimes your creditors and the bureaus have done absolutely everything right and we have no case against them. On average, we are able to remove 80% on negative items from a credit report. Will the removed items come back? No, as long as the item is current or paid at the time of removal or the collection is older than three years. This holds true except in very rare circumstances. Bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans. None. Where can I get a copy of my credit report? By law, all consumers are entitled to a free copy of their credit report once a year. Visit www.annualcreditreport.com to get your FREE copy. (This report does not include your score.) We recommend using ReliaCredit and ordering the FICO credit complete. It has all three scores, which will help track your progress. |
