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Tag Archives: FAQ

Why don’t you accept credit cards?

We used to accept credit cards until the bulk of the merchant account processing companies (visa/mastercard) decided that they were not going to allow credit repair companies to process payments any longer. It is our belief that due to the fact that we dispute credit card accounts that the financial industry wanted to do something to push credit repair out ... Read More »

Is my personal information safe?

This is a question that most people don’t think about. We have several security protocols in place to protect your personal data Our office is pretty much paperless all items are stored digitally on 128 bit password protected computers Access to computers is limited to employees only If we receive any paper items we scan it into our computers and ... Read More »

Can I get my credit repaired faster?

There are occasional advanced tactics that allow us and others to repair credit very quickly, the most recent tactic was something called CreditSweep. The credit sweep tactic allowed us to remove EVERY negative item on a credit report almost 80% of the time within 30 days. This tactic’s effectiveness has been greatly reduced since it first came out. We are ... Read More »

Do you process payments automatically?

One of our pet peeves is when a company processes a payment by check or credit card automatically on a regular basis! Our clients will many times have an outstanding invoice and we will have their checking account information in file. Even though we have this information we do not and will not assume that moneys are available in that ... Read More »

Is there a guarantee?

At the time of this writing we are one of the only companies that offer the client the option of paying after they see results, since you are not paying for the deletions until AFTER you see actual results there is no need to guarantee funds paid for each deletion, if you don’t get deletions you won’t have a bill. ... Read More »

What happens if my invoice is too high?

One of the biggest fears we hear from our clients is that they are afraid that their invoice will be too high if we remove a bunch of items in one month. Due to the fact that we are very aggressive and we use advanced tactics this happen quite often. Our pay after deletion program includes a payment plan option. ... Read More »

Is Credit Repair Legal?

We get this question fairly often so i wanted to address it in this section. The concept known as credit repair is when an individual or an organization works at enforcing various consumer protection laws including but not limited to the Fair Credit Reporting Act and Fair Debt Collection Practices Act. If an organization is providing the service they are ... Read More »

Can you delete an item that is mine?

Federal law says that in order for a negative item to be on your credit report it must meet THREE very specific pieces of criteria; CRITERIA ONE – Items shown on your credit report must be “100% True” – This means the account in question must be yours, it is illegal for a credit bureau to report something on your ... Read More »

Can you delete public records such as judgments, bankruptcies, and tax liens?

The law states that for a credit bureau to place an item on your credit report it must be 100% true, 100% accurate, and 100% verifiable. Credit repair companies use this law as the foundation of credit repair. Public records notations on your credit report must be 100% true, 100% accurate, and 100% verifiable in order to be on your ... Read More »

What happens when a previously deleted item comes back on my credit report?

When and if a previously deleted item comes back on your credit report it must be addressed immediately. If you are enrolled in our advanced program we will work on these reinsertions for a period of up to 7 years without charging you another setup fee. All you have to do is call us and we will begin working on ... Read More »

Do you have any samples of your work?

We actually have years of samples but they are in our filing cabinets, we are however in the process of putting these items on a website so people can view them The site we just put up a short time ago is www.CreditrepairSamples.com . This site will house all of the samples that we have available and we will continue ... Read More »

Why am I charged per item per credit bureau?

When we initially put this program together we were going to charge $75 per item but decided that it wasn’t fair that people who only had an item reporting to one credit bureau had to pay the same $75 as someone who had the item reporting to all three bureaus so we decided to break it down to a per ... Read More »

How much will this pay after deletion program cost me?

Due to the unique aspect of everyone’s credit file the overall pricing for each person will be different. However if you have more items deleted than someone else you will pay more than them and if you have less deletions than someone else you will pay less. This is the beauty of our pay after deletion program, people who have ... Read More »

How is pay after deletion different from other credit repair companies?

Our pay after deletion program is different than other credit repair companies in several different ways Pay For Results Business Model Most credit repair companies either charge you entirely upfront for their services or charge a setup fee plus a monthly fee. These 2 business models have nothing to do with results and therefore removes any incentive from a company ... Read More »

Do you limit the disputes when working on my credit file?

Many credit repair companies will only work on 3-4 disputes max at any one time, the reason Results they give you is that they don’t want to raise a red flag on your file by disputing everything. The real reason is that they cheap jerseys are wholesale mlb jerseys probable getting paid monthly and if they disputed everything monthly they ... Read More »

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