FREQUENTLY ASKED QUESTIONS
Q. Can I rehabilitate my credit myself?
A. Yes, but you can also fix your own car, represent yourself in court, or even be your own doctor; however will you obtain the same results as a professional?
Q.How does it benefit me to use your Credit Rehabilitation Services?
A. It has gotten to the point where almost everything is based on your credit history. With a better and more accurate credit file, you can receive lower credit card and home mortgage interest rates, lower automobile finance charges, lower down payments, lower insurance rates, and more pre-approved credit. Foremost, restoring your credit will give you more peace of mind and will also eliminate certain stress. Therefore you can benefit greatly by taking advantage of our professional services.
Q. How do you restore consumers’ credit?
A. To ease some of your curiosity, our strategy involves us using on your behalf the Fair Credit Billing Act, Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. True knowledge and understanding of all these pieces of legislation gives us the ability and the confidence to legally challenge items in your credit reports. Each one of these acts can be viewed at www.ftc.gov.
Q. How can I obtain copies of my credit reports from all 3 of the major credit reporting agencies (Equifax, Experian, and Transunion)?
A. This can be done by contacting the agencies directly by phone or going to their websites. If eligible, you may be able to obtain a FREE copy of your credit report from each credit bureau by logging onto www.annualcreditreport.com. If you are not eligible for FREE credit reports, you will be responsible for the cost of generating these reports.
Q. Do I need proof of address and identity to enroll in your Credit Rehabilitation Services?
A. Yes. Upon signing up for our Credit Rehabilitation Services you will be asked to provide two or more of the following documents to verify your address and identity- Bank or Credit Union Statement,Driver License or State Issued ID, Pay Check Stub, Social Security Card, Utility Bill, or Form W-2.
Q.What items on my credit reports can and can not be disputed?
A. Any item in your credit file can be disputed. Such items include, but are not limited to; Bankruptcies, Charge Offs, Collection Accounts, Foreclosures, Inaccurate Information, Judgments, Late Payments, Outdated Information, Repossessions, Tax Liens, etc.
Q.How long does it take for me to see results from your services?
A. Once you receive your credit reports from all 3 credit bureaus, and after the (1) free item has been removed from your credit file we will work for you on a retainer / contractual basis. We would then send off additional dispute letters on your behalf, to collection agencies, credit bureaus, and original creditors. By law, the credit agencies must respond to your dispute letters within 30 days from their receipt; and in saying that, you should definitely see results in your credit file within 30-45 days.
Q. How much do your Credit Rehabilitation Services cost?
A.The total cost of our Credit Rehabilitation Services is as follows: The client(s) would retain our services as per our consumer services contract. The "client(s)" are invoiced $50 and $60 respectively, on a per deletion or, per credit file adjustment basis; as per the payment option previously chosen by the client(s). The removal of public record information would be invoiced / billed to the client(s) at a flat rate of $300.00 per deleted item.
Q. Do you offer any guarantee to your Credit Rehabilitation Services?
A. Definitely yes! “If no negative items in your credit files are deleted or updated to reflect the most positive bill payment history possible; then you will not be invoiced / billed.
Q. What forms of payments do you accept for your Credit Rehabilitation Services?
A. We accept cash, checks by phone, and money orders. We also accept payments via secured pay pal.
Q.How long do I remain a client once I sign the consumer services contract for the Credit Rehabilitation Services?
A. Your agreement with us and our commitment to you will last for a period of (1) year.
Q. Should I wait to receive all correspondence in the mail before I forward them to your office?
A. No. Each company that we draft dispute letters to on your behalf, is independent from the other. We assist you in communicating with each one separately and at different times. The moment you receive any single document from a collection agency, credit bureau, or original creditor; fax it to our office immediately.
Q. What do I do if I have not received a response from the credit agencies within the 30-45 days time period?
A. By all means, contact us immediately! We use the Fair Credit Reporting Act to dispute inaccurate, negative, outdated, and unverifiable information in your credit files. This law requires the credit agencies to respond to the dispute letters if they want to or not. It’s the law! With the FCRA as our weapon, and their obligation to abide by this act; we doubt that this would happen.
Q. Can the credit agencies mail your company my updated credit reports?
A. No. They can only mail it to the current address they have on file for you; the consumer. It is imperative that the moment you receive any documents from the credit agencies that you make yourself copies and then, e-mail, fax, or, US mail us the original within 5 days of receipt.
Q.What do I do with any correspondence that I receive from collection agencies or creditors?
A. If the documents they send you are a response to letters we sent to them, make copies of the originals and then e-mail, fax, or US mail to us the copies within 5 days of receipt.
Q. What do I do if someone from the collection agency, the credit bureau, or a creditor calls me in response to documents or letters that we sent them?
A. Very important! Say nothing but, “Can I get your name, phone number, company you are calling from, and the nature of your call today”. Also end the conversation with, “I will only communicate with you via mail, please mail me out a letter stating the purpose of you calling today”. You have to understand that their job is to intimidate you. Even a good lawyer recommends that you do not talk to anyone without consulting with them first. If this situation occurs, answer with the above response and notify us immediately.
Q. Can items that were deleted off my credit report reappear later?
A. It is very rare that an item that is deleted from your credit file will be reinstated at a later time. In addition, the Fair Credit Reporting Act also covers this topic strictly. The credit bureaus must notify you in writing within 5 days in such a case. If you receive such correspondence, forward it to us immediately so we can dispute the item again to attempt to have it removed.
Q. Can I apply for any type of credit while using your Credit Rehabilitation Services?
A. As outlined in the terms and conditions of our contract, you are not to apply for any type of credit, promotion, or services that require a need for your credit file(s) to be requested from any one credit agency without first notifying and consulting with us prior to submitting the authorizing application.
Q. Are there any risks that I will be taking using your Credit Rehabilitation Services?
A. Absolutely none! as mentioned earlier, we use the consumer protection remedies enacted by congress to work for you.
Q. I have debt collectors calling me all day and everyday. Is there anything I can do to end these harassing phone calls?
A. Definitely yes! as one of our Credit Rehabilitation Services, we will draft and send to collection agencies on your behalf; Cease Contact Letters to stop annoying debt collectors.
The Fair Debt Collections Act dictates that no debt collector can call you before 8 a.m. or after 9 p.m., call you at work if it is prohibited by your employer, or make harassing and false statements to you. By law, upon receipt of these Cease Contact Letters, debt collectors are to automatically cease all contact with you. Remember, these letters are FREE for using our services.
Q. Can I cancel my Agreement with you for the Credit Rehabilitation Service?
A.Yes. You may cancel our contract, without any penalty or obligation at anytime before midnight of the 3rd business day after the agreement is signed by you
Q. Does Credit Rehabilitation Services need my social security number?
A. No!!
Q. Is the credit rehab service the only service that you offer?
A. No, we offer numerous other services, please feel free to ask about the other services.
We conduct conference calls monday thru friday to anwser any questions you may have.