Frequently Asked Questions (FAQs)
How do I get started?
Sign up is easy. You can complete your sign-up in minutes and get started with your first steps. The first thing you will receive from us is an email with easy to follow instructions on how to access and share your 3-bureau credit report with us. Once we have your report we will give you a call to complete our analysis and start working for you through the dispute assistance process.
What is the cost?
Some really good news! We do not charge any upfront fees for our dispute assistance services. Our credit repair service fees are $49.99 every 2 weeks. Your first charges will occur around 6-20 days after you enroll and only when we have completed a certain amount of work on your account. You can cancel anytime with no further obligation. Sign up at the same time with your spouse, roommate, or partner and the second person will receive a discount of 50% off our regular monthly dispute service price.
Can I have a discount for my friends and family?
Sign up at the same time with your spouse, roommate, or partner and the second person will receive a discount of 50% off off our regular monthly dispute service price.
I’ve heard that credit repair can pay for itself?
It’s a fact that consumers with better credit and credit scores may qualify for lower interest rates on loans such as your home, cars, appliances, credit cards and more. The reason is simple. A higher credit score indicates that you manage your credit well and therefore are a lower risk in not paying your bills. As a result, you may get lower interest rates on loans and credit cards. Lower interest rates on large items like your home, car and credit cards can equal out to thousands of dollars in savings on the interest you pay over just one year. For many people, it can even represent hundreds of dollars in savings per month.
How long before I see results?
Generally, you will start to see results within 30-45 days after your first phone meeting with your Account Manager. After that meeting, your Account Manager will get started initiating communications, on your behalf, between the credit bureaus and/or creditors and us. Once communications are processed by the credit bureaus and creditors, they have about 30 days to process them and reply. We usually see our first response coming back to you around 30 to 45 days afterward. From this point forward, each member situation is typically a little different. Some members have many accounts to address while other only have a few. Sometimes additional information is requested from creditors as well.
How long will the program last?
Everyone’s credit situation is a little different but the average member works with us for about 4-6 months. The duration of the program really depends on the number of items you are disputing, how fast the credit bureaus and creditors respond and if they ask for other information in their responses.
How many items can you dispute?
Anything that you feel is inaccurate on your credit report can be disputed. To deliver optimum results to you, we try to limit the number of disputed accounts we send out to around five or less at a time.
How do I get my credit report to you?
This is real easy! When you first sign-up you will be contacted by our Account Representative by phone. They will discuss our services with you, then help you to access your credit report through a partnered credit provider. Once you have access to the report, you will simply upload a .PDF version to us through our secure member website. If you don’t know how to do that, our Account Representative will help you.
How do I know you are working for me?
Once you sign-up, you will be provided with a secure member website where you can track which accounts we are working on, your instructions on how you want them handled and all the activity that occurs during the service process. Additionally, we will keep you updated on important changes or needs by text, email and your dedicated Account Manager.
How many people will be working on my account?
Unlike some other services, you will have a permanently assigned and dedicated Account Manager once you sign-up. They will work with you from the beginning to the end of your services.
Does my account with you also cover my spouse’s credit report?
Credit reports are issued from the credit bureaus individually for each person. For this reason, your account would not include your spouse. However, any account we dispute on your behalf where your spouse is a joint signer will benefit from the work. Additionally, we may offer discounts if your spouse, roommate or partner enrolls when you do. Ask your Account Representative when you sign-up.
Why should I use a credit dispute assistance company?
Even though you can dispute your credit on your own, getting help from an experienced company is a good consideration. It’s sort of like any specialized service such as fixing your refrigerator, car or going to your doctor. If you know what you’re doing, then it should work out. However, there could be negative results and lots of frustration. Our job is to assist you by providing fair and honest dispute assistance on your behalf. This includes helping you to understand how to read your credit report, how credit scores work, why your personal score is not higher and what you can do about it. Most importantly, we take the burden of working with the credit bureaus and/or creditors on your behalf to address and resolve inaccuracies on your credit report. We perform our duties around the provisions of the Federal and state consumer protection laws to help you achieve the credit related goals.
Can we communicate with you by email?
Absolutely. Communication is extremely important as we provide dispute services to you. That’s why we make it easy to keep you updated by communicating through your Account Manager via text alerts, phone and your secure member website.
Why do I need a 3-bureau credit report?
3-bureau credit report (also known as a tri-merge or 3-in-1 report) provides your credit information from the three major credit bureaus which are TransUnion, Equifax and Experian. It’s important for you and your Account Manager to see all three bureau reports, as the information reported on one is not always the same as the other. This will help you identify any potential inaccuracies that exist on your credit reports. Using only one of the three reports means that other potential inaccuracies may be overlooked. That can negatively affect you when you go to apply for a loan, credit card or other lending services.
What are the three credit bureaus?
There are three major credit bureaus or companies in the United States. They are TransUnion Equifax and Experian. A credit bureau – sometimes called a “consumer reporting agency” – is a business that collects consumer credit information from lenders, collectors, banks, and governmental agencies. It then sells that information to interested parties with a right to access your credit such as potential lenders, credit card companies and banks. Such information is sold in the form of a credit report.
What is the Fair Credit Reporting Act and why was it created?
The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act. The FCRA provides additional measures of consumer protection in the areas of fairness, accuracy and privacy of the information collected by the credit bureaus. It also allows you to personally engage in credit repair and maintenance processes, verifying that the information in your credit report is correct.
Will ordering my credit report hurt my credit score more?
No, when you order your own credit report you get what is called a “soft pull” report. This type of report will not hurt your credit score and may be updated as often as needed.
What keeps my credit from ending up right back where I started?
This is a great question. Unlike many programs, we offer Credit Restart Advisory Services. Our average advisor has well over 18 years of credit experience. They will review your entire report with you by phone near the end of your dispute assistance service. During their personalized phone meeting, they will provide more information on how credit and scores work, how to further improve your credit score as well as personalized tips and information that will help you manage your credit report and score.
What if negative items on my credit report are accurate?
We will review any credit that is negatively affecting your credit report and score with you to identify how we can assist you. However, our program does not provide services for legitimate accurately reporting accounts.
Do you share my personal information with others?
What if I’m going through a bankruptcy?
Using our services as you are going through a bankruptcy can actually be a very good decision. When bankruptcy is filed, the rating of accounts on your report will be changed by some of your creditors. It’s easy for some of these changes to be inaccurate resulting in lingering negative changes to your credit score that can get progressively worse. Staying on top of these changes, as they occur, can be very reassuring.
Where are your offices located?
We are proud to say that all our service are provided in the U.S.A.! Our operations center has been located in Rancho Cucamonga CA since 2007.
What if I want to cancel my services?
Even though Federal and state regulations only give you three to five days to cancel your services with us from the date you agree to the service contract, we allow you to cancel anytime for any reason. Additionally, we don’t make it hard to cancel. You can call, email or send us a cancellation notice by mail of you wish
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