Frequently Asked Questions
So Why Us?
We’ll give you three reasons:
1. Experience. We’ve been in the credit repair industry for a long time. We understand the laws and how to leverage them to help you attain a healthy, accurate credit report, hopefully worth of getting approved for what you need. We have extensive knowledge of how collection companies and credit reporting agencies work. Not many can fight for you like us because very few understand the competition like we do.
2. We understand that happy customers leads to referrals; the better we do, the more customers we get, and the more our business grows. Most credit repair companies don’t understand this simple concept – they try to make a quick buck without much effort, leaving their clients with broken promises, poor results, and many times in a worse place then when they started!
3. It may not seem like it, but credit repair is fulfilling work. The gratitude we receive on a daily basis from lives we’ve affected is a feeling that’s hard to get anywhere else. This is all to say, we understand our work is important–life changing for many of our clients–and we treat it with the appropriate level of respect and urgency it demands.
Is Credit Repair Worth the Money?
Many people tend to think credit repair is irrelevant until they need it, often times when it’s too late. It’s always better to start trying to improve your credit now than waiting until you need to apply for a loan. Having a subpar score will limit you from competitive interest rates on loans, which can add up to thousands of dollars over the course of the loan. When you compare the price of credit repair to a higher interest rate on a 30-year mortgage loan, it is easy to understand why credit repair may be worth it.
How Long Before I See Results?
We’ve had clients have their credit reports cleared of all negative information in the first month or two because obvious inaccuracies or other errors existed. Sometimes this kind of outcome is accompanied by dramatic scores increases. While that may be you, we want to be clear that most clients won’t see results that fast, and may have to wait longer.
In fact, we’ll be the first credit repair company to be completely honest with you: some clients don’t get any results. Often no inaccuracies or errors exist, and in those cases there’s nothing to be done. But that’s not a bad thing! That’s valuable information–knowing that means you can stop wasting time with this credit repair “thing” and move on to the next solution, which there are many (such as negotiating to settle your debts, paying your bills on time, building new credit, and time itself).
However, given that our service doesn’t always work, we’ve gone above-and-beyond to provide the best guarantee in the entire industry: if you are unhappy with our service in the first 3 days, tell us why and we’ll refund your money in full. Simple and tress-free, right? For more details check our TOS.
If you’re curious, there are credit repair companies out there that claim to get incredible, mind-boggling results in lightning-fast times. It’s true! You may have heard of one. They usually claim they have a “secret”. Their “secret” is that they’re either 1) committing fraud by claiming identity theft on your legitimate accounts using faked police reports, or 2) creating fake credit profiles using stolen SSNs or EINs. That’s a lotto you don’t want to be a part of.
If there’s a secret to credit repair, it’s that you need four things: thoroughness, consistency, persistence, and patience. You pay us to be the first 3 for you, and we require you be patient for us.
What Items Can Be Disputed?
We’ve helped clients dispute all types of negative items that were inaccurate or had other errors, which has included bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, inquiries, credit card debt, late payments, old addresses, judgements, tax liens, student loans, and alot more like hard inqures.
What are Equifax, TransUnion, and Experian (the "Bureaus")?
The Bureaus are what we call Credit (or Consumer) Reporting Agencies.
They’re privately held companies (just like McDonalds or Walmart) that sell your personal and financial information in the form of “credit reports” to businesses who use that information to make an educated decision on whether or not to lend to you.
Due to shady practices by these companies in the past, and the ever-growing importance of credit in the lives of Americans, the government created laws to empower consumers to defend themselves by challenging the accuracy of this information.
Unfortunately, even with these laws, the effort required to challenge these entities and the information they report about you on a consistent basis can be very time-consuming. We like to compare ourselves to a cleaning service- you can certainly clean your own home, but if you don’t have the time or just don’t care to, hiring a professional is far easier.
Do I Need To Do Any Work?
We require that you identify any negative information that is 100% accurate and complete. We cannot dispute this type of information. Otherwise, we do absolutely all of the disputing for you, but we do need your cooperation from time to time, such as providing us with documents for proof of identity and proof of address that the Bureaus may need to fulfill our requests. We also suggest that you keep an active score tracker so we can get fresh credit reports to provide you updates with. However, it’s not a requirement.
Can I Meet You In Person & What Areas Do You Service?
We’ve stopped providing in-person consultations as there is no benefit. We can do everything over the phone–and have for thousands of clients as we service clients nation-wide.
What Is Your Money Back Policy?
If Client is unhappy for any reason within the first 3 days of signing their agreement with Company, Client may request a full refund or if you do not see any questionable items deleted from your credit in 90 days, you will be entitled to a full refund. This does not mean that your credit will be fixed completely during that period but you should see some of your questionable negative items deleted in this period or your money back. To apply for a refund please contact your service specialist by phone, so your identity can be verified.
The company Money back guarantee will be strictly subject to you complying with the following terms and conditions:
- Eligibility for a refund does not start until day 90. You must be an active participant in the program for 90 days.
- Cancellation or failure to pay during the initial 90 days of the program is a void of this guarantee.
- That you do not create or cause any new derogatory trade lines to be added to your credit report after your participation in the applicable program begins
- You make all payments due and owing to company per this agreement in a timely manner.
- You mail, fax or email to company proof of your identity such as a copy of driver’s license and copy of social security card within five (“5”) days of the effective date of this agreement.
- You agree to give company thirty (“30”) days from the date you have requested a refund to allow adequate time to review your credit bureaus and audit your account to verify that no negative items have been removed from your account and to ascertain the reason for this occurring,
What Is Your Monthly Cancellation Policy and How Does It Work?
For all Services that are provided on a month-to- month basis, you may cancel you service at any time at least (3) three days in advance of any upcoming recurring payment. When cancelled according to these terms, the upcoming recurring payment will constitute the final payment due for services rendered. All services are billed in arrears. Contact us to cancel monthly charges according to these terms.
