Frequently Asked Questions
- Is credit Repair legal?
- Is Credit Repair and Education worth my time and money?
- What can I expect when I enroll in Credit Education?
- What is your 100% Guarantee?
- How long will it take to raise my score?
- Why are your results different?
- Will the removed items come back?
- What items can you help me to remove and improve?
Is credit repair legal?
Yes, credit repair is legal. Individuals have the right to dispute inaccurate or incomplete information on their credit reports under the Fair Credit Reporting Act (FCRA). Credit repair companies operate within the framework of these laws, assisting consumers in identifying and addressing errors, outdated information, or discrepancies in their credit reports. It’s essential to note that while legitimate credit repair services are legal, consumers should be cautious and choose reputable companies. Some fraudulent entities may make false promises or engage in unethical practices. It’s recommended to research and select a reputable credit repair service, or individuals can take steps to dispute inaccuracies on their own by directly contacting the credit reporting agencies.
Is Credit Repair and Education worth my time and money?
Credit repair and education can be worth your time and money, especially if you have inaccuracies or negative items on your credit report affecting your creditworthiness. Legitimate credit repair services can assist in addressing errors, guiding you through the process of improving your credit score. Concurrently, investing time and money in credit education can empower you with valuable knowledge on managing credit responsibly, preventing future issues, and making informed financial decisions. However, it’s crucial to choose reputable services and resources. While these efforts may involve some cost, the potential benefits, such as improved credit scores and financial literacy, can positively impact your overall financial well-being in the long run.
What can I expect when I enroll in Credit Repair?
When you enroll in a credit repair program, you can expect a systematic and personalized approach to improving your credit profile. The process typically begins with a thorough analysis of your credit reports to identify inaccuracies, outdated information, or negative items impacting your score. The credit repair service will then work on your behalf to dispute and rectify these issues with the credit bureaus. Throughout the program, you can anticipate regular updates on the progress made, providing transparency and keeping you informed. While timelines can vary, many individuals see improvements in their credit scores over the course of the program. Additionally, reputable credit repair services often offer educational resources and guidance on responsible financial habits to help you maintain a positive credit history beyond the program. It’s essential to choose a reliable and transparent credit repair service to ensure a successful and ethical credit improvement journey.
What is your 100% Guarantee?
You are entitled to a 100% refund on all monthly payments if:
– You do not remove more than 25% of all the negatives worked on.
– You have had six months from the time you retain our services.
– You have at least four negatives on the credit report at the time of sign-up.
– You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
– You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
(Clients should receive updated credit reports every 15-45 days. It is the client’s responsibility to make us aware if updated reports have not been received).
– You do not remove more than 25% of all the negatives worked on.
– You have had six months from the time you retain our services.
– You have at least four negatives on the credit report at the time of sign-up.
– You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
– You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
(Clients should receive updated credit reports every 15-45 days. It is the client’s responsibility to make us aware if updated reports have not been received).
How long will it take to raise my score?
Through our services, 93% of our clients see their credit score increase 10 points or more in the first 35 days. Over the full 180-day term of the contract, the average credit score increase is 80 points. See full statistical breakdown.
Why are your results different?
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.
Will the removed items come back?
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
What items can you help me to remove and improve?
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.