Frequently Asked Questions
FAQs
Most frequently asked questions and answers
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.
Every credit report is different and no credit report is the same but on average 95% of our clients see a score increase within the first 90 days.
Our team will guide you through the entire process from start to finish and prepare all your documents for you. Our team is knowledgable and certified to assist any client and their needs. We have experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and federal and state regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report. You will have a dedicated team of experts behind you every step of the way.
No, Items on individuals credit report may in fact be accurate. We are simply disputing the reporting of the item which ultimately helps us remove negative items.
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 70-80% of the negative items from a credit report.
Paying ALL of your bills when they are due and on time is very important, before time is even better! I like to advise to keep balances below 20-25% on your credit cards, this means don’t utilize more than 20-25% of the funds available of your credit cards within a month’s time. Banks like to see that you can properly handle the funds available without maxing your cards out and paying what’s due when its due.
If you feel you cannot manage your credit cards efficiently, a good starting point is to use them for something that’s needed, such as utility bills or gas, and then pay off the balance in full each month on time. As long as you keep to the habit of paying the cards off in full and keep your utilization below a certain threshold your score will continue to rise. Exciting right!
Yes! Our document processing services coupled with the education we provide will help use the law in your favor. The CCPA (Credit Consumer Protection Act) includes several important laws, including the Truth in Lending Act, Fair Credit Reporting Act, and Fair Debt Collection Practices Act. Plus, many more!
The Truth in Lending Act (TILA) protects you against inaccurate and unfair credit billing and credit card practices.
The Fair Credit Reporting Act (FCRA) is a federal law that helps to ensure the accuracy, fairness, and privacy of the information in consumer credit bureau files.
The Fair Debt Collection Practices Act (FDCPA) was designed to eliminate abusive, deceptive, and unfair debt collection practices.
Yes, you can. There is technically nothing a credit repair agency can do that you can’t do yourself. However, you need to be willing to put in the work and educate yourself about credit laws. In fact, you can find DIY kits and other resources like books online that will give you the tools necessary to begin yourself. The process of trying to work out settlements and verify information can be daunting. For this reason, many people choose to have a credit repair company to do this work on their behalf. Not only are they diligent in their work, they also know the ins-and-outs of credit repair better than anyone.
No, but if it is past the statute of limitations for the creditor to file a lawsuit it will be much harder for them to try to collect it from you