 |
|
Our Expertise... |
|
 |
Bankruptcies
|
|
 |
|
Late Payments
|
|
|
|
Charge Offs
|
|
|
|
Foreclosures
|
|
|
|
Judgments/Liens
|
|
|
|
Repossessions
|
|
|
|
Identity Theft
|
|
|
|
Collections
|
|
|
|
Inquiries
|
|
|
And much more...
|
|
|
| |
FAQ's
How do you clear negative listings from my credit files?
Upon retaining us for service and receiving your credit reports from the national credit bureaus, our Credit Experts will speak with you on which negative items are going to be targeted for deletion or need to be updated. We then will analyze the best method of dispute and draft letters on your behalf. These letters which are carefully worded are sent to the credit bureaus, creditor, court, etc to initiate your dispute and start an investigation.
While this may seem mindless, ask any person who has attempted to repair their own credit, how many problems they have run into with bureaus not conducting proper investigations on their disputes. An improper investigation generally means a disputed item will result in “Verified or Remains.” If that is the case, many bureaus do NOT give you a second chance to re-investigate that same item. That’s where our specific wording of letters allows us to go back in and re-investigate that same item for a different outcome.
At the conclusion of each credit bureau's investigation (30 – 40 days), a revised copy of the credit report is sent to your home address showing any changes. Make a copy of that report for your files and send the originals in to us. We will look over the changes and begin the next dispute cycle to remove or update more information.
Don’t be alarmed if a disputed negative item returns an accurate or verified result. This can happen often, but the chances of that item remaining after each dispute cycle become less. Good news for our client though is that very often disputed credit items cannot be verified as creditors do not hold negative information for a long period of time thus resulting in a deletion of negative information.
Isn’t Credit Repair Illegal?
Although you read many stories from the credit bureaus stating that credit repair is illegal; there is nothing wrong or illegal about disputing inaccurate information about your files. In fact, the FCRA (Fair Credit Reporting Act), encourages you to dispute this information that is inaccurate.
How long does the credit repair process take?
There is NO real way to give a definite answer on how long your file will take. As each individual has different items on their files, time frames vary. Keep in mind you should see the most drastic changes, in the first 60 days. Your cooperation on getting us the reports in a timely manner should also be factored in the time equation.
We like to stress to clients that it takes longer to remove negative information from credit file then it does to have it put on your file. It can take only 30 days to incur a late payment on your files while it might take 60 days to have it overturned.
Do Deleted Items Re-Appear?
It’s very rare that deleted item re-appear on a credit file, yet there are times in which it happens. Based on the revised FCRA (Fair Credit Reporting Act), a creditor must inform the consumer in writing before re-inserting a deleted item to their file.
The way we like to see it is that if an item is re-reported, it is just a minor task to go back in and request permanent deletion. This is at NO additional charge to our client.
Do you guarantee your service?
As one must understand, there are no guarantees when dealing with vicious credit agencies. Despite that, we are confident enough in our work to offer a Money Back Guarantee. See conditions
Can I restore my own credit?
By all means one can restore their own credit free of charge and we highly encourage it. Keep in mind, that if you attempt this task, you should try to grasp an understanding of how the bureaus work, keep up to date records, and utilize the numerous different tactics to remove negative information. Timing is also a key to determine when you can re-dispute an item. If you feel that it’s just too overwhelming, our professional staff would be more then happy assist you for a low monthly fee.
When can I call to speak to someone?
After retaining our company, you will be contacted within 3 to 5 days by your case manager. He or she will make contact via Telephone or email and at that time, you will be given all information to contact tem at any time you please. Unlike other online credit repair services, we like to give each client our personal service.
How do I get updates on casework?
Keep in mind that the client will receive all documents first. Once you receive your reports, you will be able to see the investigation results. Please make a copy and send the report into us to continue the process.
Should you not understand the results or simply have a question, you may contact your case manager at any time during business hours.
What is a FICO score?
A FICO score is a credit scoring system developed by Fair Isaac & Co. Credit scoring is a method of determining the likelihood that credit users will re-pay their debts. A credit scoring system attempts to condense a borrowers credit history into a single number (Usually 300 - 800). While many of us would like to determine our scores if we remove certain items, Fair, Isaac & Co. and the credit bureaus do not reveal how these scores are computed.
In a gist, Credit scores are calculated by using scoring models and mathematical tables that assign points for different pieces of information which best predict future credit performance.
Credit scores analyze a borrower's credit history considering numerous factors such as:
-Late payments
-The amount of time credit has been established
-The amount of credit used versus the amount of credit available
-Length of time at present residence
-Employment history
-Negative credit information such as bankruptcies, charge-offs, collections, etc.
There are really three FICO scores computed by data provided by each of the three national bureaus (Experian, Trans Union and Equifax). Some lenders use one of these three scores, while other lenders may use the middle score or sometimes two scores.
|
|
 |
|
|
"This program is amazing. In the last 60 days, my my FICO score has been raised 65+ points and I have turned many of my friends on to your company. Currently, I am getting the home loan that I needed with succes. Thanks CreativeNote"
Liz
Hollywood, Calif.
|
|
|
|
In most cases, bankruptcies will remain on a credit report for 10 years following the discharge of the bankruptcy. Some entries remain for years from the date of the last activity. Once the account has gone and remained delinquent, the FCRA states that the clock cannot be reset. Some creditors will try to reset the clock by reselling the account to a collection agency, but this is a violation of the FCRA. The Federal Trade Commission has made it clear that this is not a legal action.
|
|
|
