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  • How long does the process take to complete?
    Our program and services are for 6 months. The entire process can take anywhere from 3 to 6 months or more to see your entire credit profile completely cleaned (depending on how much work needs done). However, you can see results in as little as 30 to 90 days. Every credit profile is different and so is every outcome and time frame.
  • How much do you charge for your services?
    We normally charge a one time fee of $699 or w payments of $350. However, for a limited time, we are offering the next few people the opportunity to get started for only $299 (then just $99 a month) and you can cancel any time at no extra charge.
  • What services do you offer with your program?
    Some of the services we provide include: Credit Report Analysis: Thoroughly reviewing clients' credit reports to identify inaccuracies, errors, and negative items affecting their credit scores. Dispute Assistance: Preparing and submitting dispute letters to credit bureaus and creditors to challenge inaccurate or outdated information on clients' credit reports. Credit Score Monitoring: Regularly monitoring clients' credit scores and providing updates on any changes or improvements. Debt Management Guidance: Offering advice and strategies to help clients manage and reduce their debts effectively. Credit Education: Providing educational resources and workshops to help clients understand credit, budgeting, and financial management. Negotiation with Creditors: Negotiating with creditors on behalf of clients to arrange payment plans or debt settlements when necessary. Credit Building Techniques: Advising clients on how to establish and build positive credit history through responsible credit usage. Financial Goal Setting: Assisting clients in setting realistic financial goals and developing plans to achieve them. Customer Support: Offering ongoing support and assistance to clients throughout the credit repair process. Compliance with Regulations: Ensuring that all services offered comply with applicable laws and regulations, such as the Credit Repair Organizations Act (CROA).
  • What dispute method do you use?
    We employ a variety of dispute methods. From factual, to consumer law (FCRA), Metro2, EOSCAR, FTC, CFPB, Pre-Litigation and whats called the Arbitration Dispute Method. Which uses the FCRA (sections 1681e, 1681i and 1681s2 particularly), the CDIA Metro2 compliance standard and consumer case law to dispute and build a case against the credit bureaus for either arbitration or a lawsuit in the event that they do not comply with our disputes. We use the factually inaccurate, incomplete or unverifiable information that is reporting on your negative accounts to get them deleted.
  • What happens if the credit bureaus keep verifying the disputes?
    If they continue to verify inaccurate information, update information that we are not asking them to delete, ask us to provide more identification information after we already have or if they do not respond in the 30-day time period that they are supposed to, then they are using stall tactics and are actually proving that they are in violation of the FCRA. Which then gives us the standing to move forward with assisting you in arbitration or connecting you with one of our network of attorneys to submit the necessary complaints to the various enforcement agencies and help you sue the credit bureaus for up to $1,000.00 per violation.
  • Do I need to freeze my secondary credit bureau reports?
    No. It is not necessary to freeze your secondary credit reports (LexisNexis, SageStream, LCI, Innovis, CoreLogic, ARS, etc.). Doing so does not stop the bureaus from verifying the disputes directly with the creditor or collection agency via eOSCAR and Metro2. And you cannot freeze either of these two systems. Freezing your secondary reports only stops lenders and unauthorized individuals from accessing those reports without your express authorization. And in order to apply for most new credit accounts, you will eventually need to unfreeze them anyway. Unless you are really the victim of fraud or have a hard time yourself, with applying for random credit, then I would not recommend freezing your secondary reports.
  • Do I need to maintain a monthly credit monitoring program?
    Yes, because they provide us with an easy to analyze credit report that shows you all three credit bureaus reporting on the same page/screen. Also, in order to continue the dispute process and get the desired results that you seek, we will need to access a new monthly updated credit report to be able to see what changes, if any, happened to your reports from the previous dispute letters that we send out.
  • Do I need to sign a Power of Attorney Agreement?
    The purpose of a Financial Power of Attorney Agreement is to grant us the legal authority to act on your behalf in financial matters related to credit repair services. More than anything, it allows us to effectively communicate/negotiate with your creditors, collection agencies and credit bureaus on your behalf.
  • Do I have to mail my disputes or will you?
    You do not have to mail your dispute letters. We will mail and submit all disputes for you on your behalf.
  • How should I mail my dispute letters to the credit bureaus?
    Here's what you need to do: Notarized and Signed Dispute Letters: Please make sure that each dispute letter is notarized and signed by you. This adds an extra layer of authenticity to your dispute and enhances its effectiveness. Attach Copies of Identification and Proof of Address: Along with each dispute letter, please attach clear copies of your identification (such as a driver's license or passport) and proof of address (recent utility bill or bank statement). This helps verify your identity and address. Include a Copy of Your Social Security Card: To further validate your identity, include a copy of your Social Security card with each dispute letter. Certified Mail with Return Receipt: Send each dispute letter via certified mail with a return receipt requested. This provides proof of delivery and ensures that your dispute is tracked and received by the credit bureaus. These steps are crucial to the success of your dispute process. By following these instructions, you are demonstrating your commitment to resolving inaccuracies on your credit report.
  • Are there any documents that I need to include with my dispute letters?
    Each time you send out a dispute letter to the credit bureaus, you want to attach copies of your ID (state ID, Passport, Driver's License), proof of address (recent utility bill, bank statement, pay stub, W2), social security card and your Credit Repair Power of Attorney Agreement (if you are a client of ours).
  • Is there anything I can do during the dispute process to improve my credit?
    Yes. There are a few things that you can do. One is pay off revolving credit card debt. Two, keep your utilization ratio on any open credit cards below 10% by the statement close date. Three, request higher credit limits on any open credit cards that you have. Four, apply for a secured card or secured loan if you need to. Five, become an authorized user on an already aged account/tradeline. Six, limit unnecessary hard inquiries. And last but not lease, make sure you pay all of your bills that are reporting to the bureaus on time and not late. You also want to make sure that you have more than 5 positive accounts reporting to the credit bureaus monthly.
  • What work during this process will I be required to do on my own?
    During this process you will be required to contact (by phone) all of your current lenders that you have any open accounts with that are reporting to the credit bureaus every month and update your personal information (even if you owe a debt with them - you are not calling concerning the debt and they know what's up). Everything that these lenders have on file for you will need to make sure that it is all up to date and current. And if it is not then you need to request that they update it immediately. You will then be required to contact the credit bureaus (by phone - sending letters will take unnecessary time) and then update your information on file with them as well. They may require you to mail or fax certain other information but that is fine. You also will need to freeze your secondary bureau reports with LexisNexis, ARS, SageStream, Corelogic and Innovis. You will be provided with a pin from each of them. Do not lose or misplace your pin number.
  • What can I do to maintain my good credit?
    Here are some things you should be doing to improve your credit and overall financial situation: Contact Creditors: Reach out to your creditors to update your personal information, such as your current address, phone number, and email. This ensures that important communication reaches you promptly. Pay Bills On Time: Set up reminders or automatic payments to ensure all bills are paid on time every month. Timely payments positively impact your payment history, a significant factor in your credit score. Reduce Credit Card Balances: Develop a plan to pay down credit card balances, focusing on high-interest debts first. Keeping credit card balances low relative to your credit limit (credit utilization ratio) can boost your credit score. Debt Management: Work on developing a debt management strategy, focusing on paying off high-interest debts and avoiding additional debt whenever possible. Create a Budget: Develop a detailed budget that outlines your monthly income and expenses. Prioritize spending and allocate funds towards debt repayment and savings. Savings Fund: Start building an emergency savings fund to cover unexpected expenses, allowing you to avoid relying on credit for emergencies. Limit New Credit Applications: Avoid opening new credit accounts unless absolutely necessary. Multiple credit inquiries can temporarily lower your credit score. Credit Card Usage: Use credit cards responsibly and avoid maxing out your credit limits. Demonstrating responsible credit card usage enhances your creditworthiness. Monitor Credit Score: Regularly check your credit score to track progress and identify any changes or improvements. Educate Yourself: Stay informed about credit management, financial literacy, and credit repair strategies. Educating yourself empowers you to make informed decisions and maintain a healthy credit profile. By following this checklist and making proactive efforts to improve your credit profile, you will set yourself on the path to better financial health and a stronger credit standing. Remember that credit repair is a gradual process, and consistency and patience are key to achieving your credit goals.
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