WHAT IS QUESTIONABLE CREDIT?

A resent government study reported that up to 80% of all credit reports may contain errors. Therefore, please don’t assume that the derogatory information on your credit report is correct.

We will demand that the credit bureau research it, if you honestly do not recognize an item or information on your credit report :

· This is not a frivolous dispute, and we are here to assist you in removing all errors.

· All that we will ask of you is complete honesty and to think carefully about every derogatory item on your credit, before we dispute it.

· If you are convinced that the report is wrong, then all you need to do is point that out to us with proof, and we will dispute it.

· Once we submit a dispute to the credit bureau, they have 30 days to verify that the information is correct: If they cannot verify the item in that period of time they are required to delete the item.

· The burden of proof is on them: this is as it should be and it maximizes the probability of a valid and accurate result.

Q: What exactly is credit repair?

A: Credit repair is a general term that refers to the practice of a consumer challenging inaccurate, misleading or unverifiable information on their credit report to improve one’s inaccurate credit standing.

Q: IS Credit repair legal?

A: Yes, although it depends on the method. For example, while it is legal to challenge negative items on your credit reports which you believe to be inaccurate, misleading, or unverifiable, accurate information is supposed to remain on your credit report.

By contrast, it is entirely illegal to create a “new” identity by applying for an Employer Identification Number to use instead of one’s Social Security Number (a process known as file segregation) in order to escape responsibility by hiding one’s credit history. File segregation is a serious crime and can result in fines or imprisonment.

Q: Will this service improve my credit score?

A: The goal of our service is exactly that. If you follow the guidelines laid out in our service agreement your scores will improve. Please review the simple steps below to learn how easy it is to get started today.

Q: How does credit repair work?

A: We dispute all negative items including collection accounts, late payments, charge offs, etc. Any creditor who has placed negative items on your credit has 30 days to respond and verify that the account belongs to you. If the investigation is not completed within the prescribed 30 day period: then, by law the account has to be deleted. If the account is verified we repeat the process until it is removed.

Q: How long does this process take?

A: While our credit agency does work quickly to begin the credit repair process, the credit world moves more slowly. Most of our customers see results within the first 30 days, but the full impact of your new, higher credit score may not become apparent for a few months: realistically within 60 to 90 days.

Q: Why should I pay you do clean my credit when I hear I can do it myself?

A: We have been working with credit repair for a number of years; we are very familiar with credit and how to effectively repair the different aspects of it. You could do this yourself but it is very time consuming and can get very confusing. Proper follow up is critical, and a clear understanding of the law regarding your credit report is imperative.

Our service does not do anything you could not do for yourself. The difference is, we have years of experience, the people, and the technology to do it better and faster. When you sign up with us, you join a team whose main concern is the accuracy and fairness of your credit reports. We strictly follow the Fair Credit Reporting Act, as well as similar laws

Q: I’ve already been approved for my loan why should I spend the money to have my credit repaired?

A: You could save yourself hundreds of dollars each month by increasing you score which could lower your interest rate. We will work together with your lender to achieve the best loan possible.

Q: WILL YOU SELL MY INFORMATION?

A: We maintain strict privacy policies and will never sell your information.

Q: HOW MUCH DOES CREDIT REPAIR COST?

A: For up to three months of work, we charge a low, one-time fee. Most credit repair companies charge thousands of dollars to work on their client’s file. We charge a one-time fee. (call for this month’s special pricing.) The terms of the contract are for 100 days. The services include an analysis and evaluation of your credit report, and set up of your dispute letters in our state-of-the-art database.

Q: WHY DOES CREDIT REPAIR CARRY A NEGATIVE CONNOTATION?

A: Credit repair’s reputation can be traced directly to exploitative and predatory companies operating within the credit repair arena, such as those advocating file segregation. Many are reckless fly-by-night operations seeking a quick profit. Unsuspecting consumers are the unfortunate victims of such operations, and the damage inflicted upon them reflects negatively on the industry as a whole.