FAQ
1. Why do you charge a flat fee instead of monthly fees?
Your one time initial investment is the only fee you pay for a value –added credit report repair and restoration service. This deposit is earned as we repair, restore and delete negative items in all three credit files. Initial implementation of a customized strategy using manual submissions along with our proven state of the art customized electronic solution removes many negative items at the first submission to the credit bureaus. 92% percent of our clients see as high as 70% of negative items removed in the first 30-45 days after submitting all the requested paperwork and the initial credit reports to us. A onetime processing process helps us to reduce our expenses, and we pass the savings to our clients and keep the fees affordable to many prospective clients.
2. Why the service fee is considered as a deposit?
The onetime fee you pay is earned as we repair, restore and delete negative items in all three credit files. If the fee is earned in the first submission, we still continuously remove negative items for a continuous six months. Most of our clients’ needs are solved in the first 60 to 90 days.
3. How can you guarantee that the negatives items will be removed?
Federal and State guidelines do not allow us to guarantee any consumer that any specific item or any records in your credit report can be removed or any other items to be restored positively. Our analysts have an average of 10 years industry experience in credit report repair, and restoration service. If we do not remove negative items within 6 months your deposit will be returned promptly with an additional 10% more for your trouble.
4. How soon can I see significant results?
We have removed on average 70% of negative items in 30-45 days after we have received all your initial paperwork and the initial credit reports. This result is for the very first submission we make on your behalf to the credit bureaus. We use handwritten letters along with proven electronic communication tools to communicate with the credit bureaus .
5. What type of items have you deleted?
Bankruptcies, tax liens, foreclosures, collections, late payments, inquiries, and other public and private items which negatively affect your credit report and credit score.
6. I am confused. What is your 110% money back guarantee?
We believe this is the first in the industry. If we do not remove negative items within 6 months your deposit will be returned promptly with an additional 10% more for your trouble. In other words your initial investment is a deposit to remove items which negatively affect your credit reports and credit scores. This deposit is earned as we repair, restore and delete negative items in all three credit files. We offer this to earn your trust and offer you the best service and fast results in the industry.
7. Can I request to remove negative items or repair and restore my credit by contacting the credit bureaus myself?
Yes. Consumers can directly contact the credit bureaus directly to dispute their credit files. Nearly one third of our clients have tried to accomplish this before they contact us. Our experience and expertise will benefit you to expedite the process in a convenient, time saving, and an affordable manner.
The Federal Fair Credit Reporting Act (FCRA) provides the guidance and valuable information to consumers to achieve this. It is a lengthy document and our credit repair analysts have studied it over many years(Each of our analyst have at least 10 years of experience helping consumers to have an optimized credit report and credit scores). We use the information provided by the FCRA to rigorously implement and expedite the credit repair process on behalf of our clients. You can contact the Federal Trade commission (FTC), which oversees the FCRA and the credit bureaus as follows:
FEDERAL TRADE COMMISION
Federal Trade Commission
Consumer Response Center
Room 130
600 Pennsylvania Avenue, N.W.
Washington, D.C. 20580
www.ftc.gov/credit
CREDIT BUREAUS
Equifax
P.O. Box 740256
Atlanta, Georgia 30374
Phone 1-877-576-5734
Equifax – www.investigate.equifax.com
Experian
P.O. Box 9554
Allen, Texas 75013
Phone 1-888-397-3742
Experian – www.experian.com
TransUnion
P.O. Box 6790
Fullerton, CA 92834
Phone 1-800-680-7289
TransUnion – www.transunion.com
8. What is the best way to learn about my rights as a consumer and more details about the credit repair process?
We have a section in our website. There are numerous sources online. The most up to date information is provided by the FTC’s website.Here are some of the best links with valuable information:
To learn about the FCRA;
http://www.ftc.gov/os/statutes/031224fcra.pdf
To learn about the FTC and other relevant information;
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre35.pdf
To learn how to obtain your free annual credit report (Credit report is also known as credit disclosure file);