How does the process work?
The process is divided into three parts. The Initial Consultation, the Credit Analysis and the Credit Score Improvement Program. The Initial Consultation is free. This is to determine if you need the service and if we will be able to assist you with your goals. If the service will benefit you then the next step is the Credit Analysis. During the Credit Analysis we will do more than analyze your credit report in order to create a customized action plan for you. We will also teach you how your credit score is calculated, other actions you can take to help improve your credit score and much more. The last step is the Credit Score Improvement program. This is where we create customized letters for each item on your credit report. The customized letters are far more effective at getting items deleted from your credit report because the credit bureaus are not used to receiving these types of letters. During the Credit Score Improvement program we will remain in contact with you every step of the way. You can expect to hear from us at least every three weeks. Our goal is to keep you informed about your progress so you do not have to follow up with us to find out what is going on with your program.
How is this different from the credit repair companies that I used in the past?
Our program is different from other programs because of our process. Other companies take your credit reports and start sending the same dispute letters that they use for all of their customers. This is not effective because the credit bureaus are used to getting these letters and have set up their computer systems to automatically respond to these letters and waste time with confusing responses. We are different because we take the time to review your credit report with you to create the appropriate plan of action for each item on your credit report. This allows us to create customized letters for each item on your credit report. The customized letters are far more effective at getting items deleted from your credit report because the credit bureaus are not used to receiving these types of letters.
Can I repair my credit myself?
You definitely can. I would only suggest hiring a professional like myself if you’re not well-versed in credit laws, you don’t have the time to complete the cumbersome task, or if you can afford to do so. Otherwise, it can definitely be done yourself.
Do I have to pay every month?
We have no monthly fees but what you pay will depend on how many items are deleted from your credit report. The program is designed so that you only pay for items that are successfully deleted from your credit report. The cost to improve your credit score is $50 per deletion per bureau for collections and charge-off’s, $75 for repossessions and child support, and $100 for Judgements, Bankruptcies, and Foreclosures.
How long does credit repair take?
A credit file is like a fingerprint; they are all different. Unfortunately, we cannot give you a set time but we have finished some clients in as little as 2 months while others have been taken more than 12 months.
Anything less than 6 months is unrealistic. A good rule of thumb is 6 to 12 months. But the 6 to 12 months is a generic answer; it truly depends on what your report has or does not have on it. So individual time frames will vary.
Can you remove a bankruptcy?
We work to identify and remove any inaccurate, obsolete, unfair, or items that you feel are questionable on your credit report. So yes, under those circumstances, they can be removed
Can you get my late child support payments off?
Yes. We work to get removals of any information that is in accurate, obsolete, unfair, or questionable. According to the FCRA you have a right to dispute any items that you feel fall into either of those categories.
Do you do credit sweeps?
No, we don’t, and unless its legitimate Identity theft a credit sweep is Illegal and someone or company that is caught giving false information to authorities could face serious consequences.
What if there are no deletions in a month, do I still have to pay?
The program is designed so that you only pay for items that have been successfully deleted from your credit report. You only pay for items that were deleted from your credit report, not a monthly fee.
How much does it cost?
The program is designed so that you only pay for items that are successfully deleted from your credit report. The initial consultation is free. This is to determine if you need the service and if we will be able to assist you with your goals. If the service will benefit you then we conduct a credit analysis that allows us to review your credit report and create an action plan to improve your credit score. The credit analysis/audit is $360 and is due when the credit analysis is complete. During the Credit Analysis, we will do more than analyze your credit report to create a customized action plan for you. We will also teach you how your credit score is calculated, other actions you can take to help improve your credit score, and much more.
What if I’m not satisfied with the results?
You only pay for the successful deletions from your credit report and you can cancel your program at any time. You will be responsible for paying any remaining balance for the items that were already deleted from your credit report. It’s just that simple.
When do I have to pay the $360?
Only after completing your FREE credit consultation and credit report analysis that we perform with you. During the Credit Analysis, we will do more than analyze your credit report to create a customized action plan for you. We will also teach you how your credit score is calculated, other actions you can take to help improve your credit score, and much more.
Why do you charge per deletion and not a monthly fee?
The pay per deletion program is designed so that you only pay for items that are successfully deleted from your credit report. On the other hand, the monthly fee is due every month whether items are deleted from your credit report or not. You have to pay the monthly fee even if no items were removed from your credit report.
Is this legal?
You have a right to dispute anything on your credit report that you feel is an accurate, outdated, or unfairly reporting on your credit report, so yes, it’s legal.
Are you running any specials right now?
Yes. The $360 sign-up is special. Our normal sign-up is $399.
How much do I have to pay monthly?
There is no set monthly fee. We use a pay-per-delete program that allows you to basically only pay for results. The cost is $50 per deletion for collections and charges off’s.
I am trying to get approved for something next month, can you help me?
At this time you would not qualify for our program. To ensure everything is done correctly, you must commit to the process. This usually takes anywhere from 6 to 12 months depending on your specific file.
Do I have to send my own letters?
No, your life is hard enough. We take care of sending all letters.
Should I dispute online?
Not. When you dispute online, you waive some of your rights. Also, you have no paper trail to use as leverage in later rounds if necessary.
Can I remove negative information from my credit report even if it belongs to me?
Yes. The FCRA allows you to challenge any information that is being reported on your credit file. The information must be 100% accurate. Statistics show that 7 out of 10 consumers have inaccuracies in their credit files.
If items are removed do I still owe the debt?
Yes, you do, we just remove it from your credit report so you can enjoy life.
If I sign up for your service can you guarantee me that these items will come off my report?
No, I cannot, it is illegal for us to guarantee you any results, but what we can guarantee you is that we are working hard on your behalf to have these items removed, so far we have been successful at removing student loans, and late payment, etc.
Why do I have to pay for my credit monitoring each month?
Paying for credit monitoring is a great benefit for you. The software that we use helps to keep the cost of the program low because the software automatically downloads your credit report into our system each month. This allows us to track the changes to your credit report and send updated responses to the credit bureaus in real-time without a lot of manual labor. Unfortunately, free credit reports like Credit Karma do not allow automatic downloads and only limit you to two credit bureaus.
Can I use Credit karma?
Unfortunately, free credit reports like Credit Karma do not allow automatic downloads into our software system.
Do I need to send you the letters that I receive from the credit bureaus?
Yes, you must upload every letter that you receive from the credit bureaus as soon as possible. We need to know every action that the credit bureau has taken so we can quickly respond to get the items deleted from your credit report.
How do I send the documents that I received from the credit bureaus to you?
You can upload the documents using the same website that you used to upload your driver’s license photo and utility bill. We can also send you an email with the upload instructions.
Do I have to mail my own dispute letters?
No, we handle all of the letter mailing for you. We do require that you upload every response that you receive from the credit bureaus as quickly as possible.
How much will my score increase?
That depends on what items are deleted from your credit report and if there are any additional steps that you need to take to help increase your credit score, like improving your payment history or keeping your utilization low on credit cards as well as how long you participate in the program.
How often will I hear from you?
We will remain in contact with you every step of the way. You can expect to hear from us at least every 45 to 55 days. Our goal is to keep you informed about your progress so you do not have to follow up with us to find out what is going on with your program.
Once items are removed from your report can they come back?
9 times out of 10, no. We work to ensure that we work on factual disputing. This way once they are removed they cannot re-report.
Do you guarantee that you can get all items removed?
We guarantee that we will work our best to get you excellent results but there is no guarantee of what items will be removed.
What can I do during the process to help improve my credit?
We will ask you to open credit builder’s accounts if needed
Pay down open credit cards down to 10% of the available balance
Do not apply for credit (even Cosigning is applying for credit) or refinance anything.
How do I choose which card to pay down first?
There are two different approaches. You can give pay down the ones with the highest interest rates first which will save you money over the long run. Or you can pay the ones with the smallest balances first. You’ll get some quick wins and motivate yourself to pay down the higher balances while improving your utilization.
Why do I need to pay for credit monitoring?
I already use Credit Karma. 1 reason is Credit Karma only pulls the Vantage Score from 2 of 3 common credit bureaus (TransUnion and Equifax) Another reason is that 90% percent of banks and lenders use your FICO score. You may not be getting the most accurate scores when only using Credit Karma.
What do I say to a debt collector when they call?
The goal is to GET OFF THE PHONE. The collector’s job is to get you to admit to the fact that you owe the debt, essentially making you do their job for them. Try saying “I don’t discuss my personal financial matters over the phone with people I don’t know. “ Please send any correspondence of this matter to the mailing address you have on file”. Then hang up!
How can you remove items from my credit report?
We actually use the law to our advantage by disputing the errors on your report by sending in dispute letters on your behalf to get those errors removed from your credit report.
Can I just pay the debt and have it removed from my credit?
Yes, some companies do pay per delete, but I recommend first disputing the item to see if they can prove it’s yours, if they prove it then we do pay per delete.
What if nothing gets removed from my report?
We have a money-back guarantee policy, if nothing is removed within 90 days, we give you your money back minus the processing fee at the time of startup.
Can you remove Student Loans?
Yes, they can be removed but keep in mind that even if removed that does not remove the debt obligation.
Do you sell trade lines?
No never. We will help you establish credit builder accounts under your name.
How is my credit score calculated?
35% Payment History 30% Utilization 15% Credit Age 10% Inquiries 10% Mix of Credit
Should I close a card account I’m not using?
If you have a long-standing card account in good standing, keep it open so you can keep the credit history. You may need to confirm with the creditor how often you need to use it to keep it open. You may need to make small purchases ever so often and pay them off.
Will inquiries hurt my credit score?
There are two types of inquiries. Hard inquiries and soft inquiries. Hard inquiries can ding your credit. Examples would be inquiries for a car or a bank loan. Soft inquiries do not harm your credit. An example would be when you pull your own credit file or when a potential employer pulls your credit for employment purposes.
I just paid off my bank loan. Why did my score go down?
typically, this decrease in the score is temporary. If this bank loan was the only installment account on your credit report, you do not have as much of a credit mix as you once had. Your mix of credit is 10% of your score.
I went to a car dealership and they ran my credit. I now have a bunch of inquiries on my file. Why did this happen?
Typically when you apply for credit at a dealership and get denied, the system often automatically sends your information to other lenders attempting to get you approved. It may be best to work through a bank or your credit union for an auto loan to prevent multiple inquiries from appearing on your credit file.