frequently asked questions
Frequently Asked Questions
Standard Program: You only pay for what we delete. (Only one-time enrollment fee of $347 due in the beginning)
Premium and Gold programs are consulting services and a retainer fee is due to begin these consulting services.
Your free consultation is provided to explain the services we offer, what affects your credit either positively or negatively, and how your credit score is determined. This is also a great opportunity to ask questions. If you choose not to use our services after your free consultation you are not liable for any charges.You should note that we create your software on our development server. We provide you its username and password; thereby, you can log in to get aware of the progress of your software anytime.
Credit Repair is actually the process of removing inaccurate, unfounded, out of date, false, and erroneous information from your credit report. Your credit report dictates your credit score. The 3 major credit bureaus collect information from lenders, creditors, and debt collectors and apply it to your credit report. Based on that information, your credit score is determined. This information could include the balances on loans or credit cards, credit inquiries, debt to income ratio, and most importantly, credit utilization (the percentage of debt you have to available credit)
We can only fight to remove any items that fall under the guidelines of the FCRA (www.ftc.gov/os/statutes/031224fcra.pdf). These are items that should be removed due to being inaccurate, unfounded, out of date, false and/or erroneous.
While we try to remove inaccurate, unfounded, out of date, false, and erroneous information as quickly as possible, it is impossible to give an exact timeline as each case is different. The more items we are fighting to remove, the longer it might take. A general timeline is between 3-9 months, though sometimes it may take a bit longer or even shorter timeframe. Ask your sales representative about our priority service that can potentially reduce the repair time needed.
This is determined by what your goal is. Perhaps you are trying to buy a house. If this is the case, you might want to get started at least 6-9 months before you plan on purchasing. If you plan on purchasing a car, then you might want to opt for our Priority Service which can potentially improve your credit in just a few months.
You have the ability to dispute any information on your credit report you deem as inaccurate, unfounded, or incorrect. Many of our customers have tried doing this themselves only to find out that the process takes too long, is confusing, and full of challenges they deem too stressful to deal with themselves. We take the burden of disputing off your hands and have the ability to speed up the process through experience as well as techniques that are unique to us. Think of our service like you would think of a Tax preparer, Legal Service, or even a plumber. You could probably do it yourself, but perhaps not with the same end results. We highly suggest that all of our clients and prospective clients take some time to learn about their credit, credit reports, as well as the process of repairing their own credit. You may feel doing it yourself is the better route for you and your situation. This is personal decision and we will never pressure you into using our services over doing it yourself.
Though you do sign a customer contract, they do not have mandatory service terms. We strictly provide a monthly service that you may cancel at anytime. Please remember, we only bill you once we have already worked on your service for any given month. Just like a water or utility provider, you are liable for your final months payment after cancelling our service.