Question 1

Is Credit Repair legal?

xclfin01 · Accepted Answer

Absolutely! It is your legal right to dispute items on your credit report, and to work actively to obtain and keep good credit. We exercise your legal rights pursuant to the Fair Credit Reporting Act, the Fair Credit Billing Act, Truth in Lending Act, and Fair Debt Collection Practices Act, as well as other applicable Federal statutes.

We recommend you stay away from companies that recommend you attempt to obtain a new/alternate social security number, attempt to create a consumer credit profile using an EIN, or create "fake" credit profiles by intentionally reporting false data. These tactics are illegal and/or unethical and, if caught, can result in significant criminal prosecution to you for fraud.

Although some would like to have you think otherwise, there is absolutely nothing illegal about working to improve your credit report. In fact, it is your explicit right by law to do so.

Question 2

Why do I need to upload my credit reports to you?

xclfin01 · Accepted Answer

With identity theft being the # 1 crime in the United States, credit bureaus will only send credit reports to the person they belong to. A company such as a bank, credit card, or loan company can pull your credit, but that counts as an inquiry, which brings your score down every time someone pulls your credit. By requesting your own credit report, you avoid the inquiries, and it doesn’t drop your score.

Question 3

Should I try to repair my credit on my own?

xclfin01 · Accepted Answer

This really depends on you and the amount of time you're willing to allocate toward repairing your credit.

Most of our clients spent time trying to repair their credit themselves before retaining us to do it for them. Effective credit repair involves much more than writing letters. Writing letters to dispute your credit report is easy. Getting results, however, can often be difficult, complex, and infuriating.

Remember that creditors routinely charge higher rates of interest to those with negative credit histories; so sloppy credit reporting may serve to maximize their profits in the long run. This can make the process of credit repair a difficult and frustrating experience for many consumers.

Restoring your own credit is like repairing your own transmission or representing yourself in court; you can certainly do it (and you have the right), but you must decide if you are willing to take the time and endure the possible frustration of doing it yourself.

Question 4

When I request my report, does it count as an 'inquiry'?

xclfin01 · Accepted Answer

You may request your own report as often as you choose - without affecting your score. You have the right to view your reports as often as you like with no penalty against you.

Inquiries from potential creditors, banks, and businesses do count as an inquiry and pull your score down every time someone pulls your credit report. This is why we have you request your own credit reports and upload them to us. Our goal is to improve your overall score and eliminate credit report errors.

Question 5

How long will it take to repair my credit?

xclfin01 · Accepted Answer

The amount of time it takes is different for every person’s situation. When you sign up for our service, one of the first steps we take is conducting a full credit report analysis for you. One of the things we’ll discuss with you will be the length of time it may take to resolve your individual credit issues.

Our clients typically start seeing results in 45-60 days. Because everyone's case is different, some of our client’s goals are completed in that time, and others can take 3 to 6 months or longer. It really depends on how bad your credit currently is and the number of negative items that need to be addressed in the credit profile.

Successfully repairing credit requires persistence, patience and experience. This is where our expertise saves you valuable time. To effectively dispute incorrect information on your credit report, the key is knowing the 'valid disputes' and understanding the methods used by the credit bureaus in order to submit personalized disputes that meet their requirements and warrant a timely response.

The progress of your case will depend on your timely participation (sending your credit reports on a timely basis), the nature of your case, and the level of credit bureau cooperation.

Question 6

Can’t I repair my credit myself for free?

xclfin01 · Accepted Answer

Of course you could. In fact, most of our clients have unsuccessfully tried to fix their credit on their own prior to hiring us. Most people either don’t have the time it takes to effectively succeed at repairing their own credit, or they lack the expertise and knowledge needed to do it effectively.

Depending on your time, patience, perseverance, and complexity of your dispute, you can successfully dispute inaccurate credit report items on your own. However, credit bureaus' strategies and tactics often make the process very time consuming, overly burdensome, and ineffective for the average person. There’s a lot more to effective credit repair than just writing letters.

Question 7

Do you guarantee to give me perfect credit?

xclfin01 · Accepted Answer

No company can guarantee they’ll be able to wipe everything off your credit, especially if you have legitimate debts on your credit report. Any company that makes such a claim is lying to you. It’s even against the law for a credit repair company to make such a claim. A few years ago, it was scams like these that forced the government to crack down on dozens of credit repair companies nationwide who were ripping thousands of consumers off with these bogus claims and fake guarantees

Question 8

How long have you been doing credit repair?

xclfin01 · Accepted Answer

We have over 20 years experience in the real estate/ financial industry. Our company was founded by real estate agents who got started in this business because they needed to help increasing numbers of their clients fix credit issues so they could qualify for home mortgage loans and along the way our services have expanded to being able to assist people just like you reach their credit/ financial goals such as buying homes, new automobiles, or getting approved for better financing.

Question 9

Why choose us instead of another credit repair firm?

xclfin01 · Accepted Answer

There are several factors that set us apart from our competitors. We pride ourselves on our results, superior customer service and utmost respect for clients.

There is much more to effective credit repair than writing letters to credit bureaus. We stay current on the latest legislation, consumer credit laws and economic issues, and we utilize the newest technology and proven techniques to ensure successful removal of inaccurate credit report information for our clients. We are also very experienced in helping our clients boost their scores with new, positive credit if doing so will improve their situation.

And since we work in the real estate/ mortgage industry, we know exactly what a credit report needs to look like in order to qualify for financing in today’s market.

Question 10

Can I talk to someone before I make a decision?

xclfin01 · Accepted Answer

Absolutely! We encourage you to contact us and ask any questions that may help you determine the best solution for your credit repair needs. To reach us at any time, visit our Contact page.

Question 11

Do you offer any guarantees?

xclfin01 · Accepted Answer

It’s illegal for any credit repair company to offer performance guarantees. However, we are so confident in our customer service and credit repair abilities, we offer a 100% no-strings-attached cancellation policy and our service is month-to-month. For full details, just review our cancellation policy.

Question 12

How does our credit repair process work?

xclfin01 · Accepted Answer

There are multiple steps that make up our credit repair process and we create a personalized roadmap for every individual client. For a brief overview of how it all works, you can learn about our credit repair process by clicking here.

Question 13

What if me AND my spouse need credit repair?

xclfin01 · Accepted Answer

We are proud to offer a couples' discount for those that seek our services.

Even if you sign up as a couple in order to take advantage of our discounted pricing, we will set up each individual with their own separate account to ensure the best service, privacy, and results possible.

View our Pricing page for details.

Question 14

Will you work directly with creditors?

xclfin01 · Accepted Answer

Yes! To provide the best results for our clients, we also interact with creditors. Our program includes the creation and distribution of custom dispute letters to the three major credit bureaus: Equifax, Trans Union, and Experian. We also send letters to your creditors, requesting verification of the information listed on the credit reports, or disputing the information they’re reporting to the bureaus, if needed.

Question 15

How do you dispute joint accounts?

xclfin01 · Accepted Answer

As we deal with information on your credit reports, we handle joint accounts in the same meticulous manner as individual accounts and we will dispute the information in your name only. Keep in mind deletions resulting from your disputes may be deleted from the other person’s credit report as well.

If you intend to apply for credit together in the future, make sure both of your reports are in good standing.

Question 16

How can your disputes succeed, when mine don’t?

xclfin01 · Accepted Answer

Our experience in working with credit bureaus facilitates our credit repair process because we are more likely to anticipate responses and tactics used by credit bureaus. We have years of experience in interacting with the bureaus and creditors, and have gained insight into how to efficiently and effectively disputing credit report errors.

We stay current on consumer credit laws and economic issues, and we utilize the latest technology and proven techniques to ensure the successful removal of inaccurate credit report information for our clients.

Question 17

What Type of Information Do We Collect?

xclfin01 · Accepted Answer

The personal information we collect is limited to the information you provide to us when you sign up for and use our service. This information consists of such items as your name, address, email address, phone number, social security number, date of birth, and billing information. Additionally, you will provide the information contained on your credits reports to us in order for us to effectively provide our service.

All personal information is only used for us to provide credit repair services and is strictly kept confidential. We never sell or provide our clients’ information to third parties.

Question 18

Why Do We Collect Personal Information?

xclfin01 · Accepted Answer

We collect personal information to enroll you in our service and to provide our services to you. Once you have retained us, we use your personal information to correct inaccuracies, mistakes, and misleading items on your credit reports.

Additionally, we use your personal information to provide you with superior customer service and to communicate with you regarding your case. We also use your information when working with your creditors and credit bureaus.

Question 19

How Do We Collect Personal Information?

xclfin01 · Accepted Answer

We collect information about you at the time you sign up for our service, and any time we enter information from your credit reports into our database in order to facilitate your service. All personal information our clients provide is stored in a secure database for the sole purpose of rendering our services to you.

Question 20

How Do We Protect Your Personal Information?

xclfin01 · Accepted Answer

We safeguard the security of the data you send us with physical, electronic, and managerial procedures. We urge you to take every precaution to protect your personal data when you are on the Internet. Change your passwords often, use a combination of letters and numbers, and make sure you use a secure browser.

Our web site, database, and customer log-in systems use industry-standard Secure Sockets Layer (SSL) encryption on all web pages where personal information is required. To sign up for our service you must use an SSL-enabled browser. This protects the confidentiality of your personal information while it is transmitted over the Internet.

Question 21

How are credit scores affected during the repair process?

xclfin01 · Accepted Answer

As we are engaged in the dispute process with the credit bureaus, your score may change periodically. When disputing 'negative' information on your credit report, the credit bureaus will remove the item(s) in question until it is verified, modified, or deleted.

Since we are disputing 'negative' items on your report, your score may increase during the process because the negative item is removed until it is verified. This temporary score is not necessarily an indicator of your final credit score. (Disputing personal information such as an incorrect address or date of birth will not affect your credit score.)

Upon completion of the dispute process, your credit report will then show the new score. Keep in mind each credit bureau has different criteria for determining your score, which is why your score will vary from bureau to bureau.

Question 22

How long before I can apply for new credit and what are my rights?

xclfin01 · Accepted Answer

Each creditor has different requirements and receives their credit report updates on different schedules. Therefore, your responses from creditors will vary.

You have the right to be considered fairly, without discrimination when applying for credit. The Equal Credit Opportunity Act (ECOA) ensures that all consumers are given an equal chance to obtain credit. This doesn't mean every consumer who applies for credit will receive it. Factors such as income, expenses, debt, and credit history are considerations for creditworthiness.

The law protects you when you deal with any creditor who regularly extends credit, including banks, small loan and finance companies, retail and department stores, credit card companies, and credit unions.

As your negative credit report item(s) is being disputed, your scores can fluctuate, so it is in your best interest to wait until the disputing process is complete before you apply for additional credit.

Question 23

How do I send you my credit reports?

xclfin01 · Accepted Answer

Once we have you signed up and activated into our system, the most efficient way to submit your reports is to upload them directly into your client portal. Your personal credit advisor will walk you through how to submit information to us so we can get to work.

Question 24

Can I get a free credit report?

xclfin01 · Accepted Answer

Every consumer is able to get a copy of their credit report mailed to them for free each year. Each credit bureau has to provide you with a free copy of your credit report, at your request, once every 12 months, from annualcreditreport.com.

Question 25

Can you remove bankruptcies from my credit report?

xclfin01 · Accepted Answer

In certain instances, we’ve been able to successfully remove bankruptcies from our clients' credit reports. Because of the complexity of the process, this will be analyzed on a case-by-case basis during your personal consultation.

Question 26

Should I file bankruptcy?

xclfin01 · Accepted Answer

It would be irresponsible for anyone to recommend bankruptcy to you without an in-depth, qualified evaluation of your situation. Many bankruptcy lawyers offer a free initial consultation, so if you are seriously considering it, shop around and meet with a few lawyers to see which firm you feel would most effectively serve your needs.

Filing for bankruptcy is a legal proceeding that’s available to a person in severe financial distress. For qualified applicants, bankruptcy can mean a fresh financial start and an opportunity to build a secure future. But remember, bankruptcy does have far-reaching and long-lasting effects and should be considered only as a last resort. For best results, contact a qualified bankruptcy attorney in your area.

Question 27

Should I pay off accounts?

xclfin01 · Accepted Answer

Paying an outstanding collection doesn’t remove it from your credit report. Most creditors will leave a previously negative account sitting on your credit report for up to 7 years, even after you pay it. And even though you paid it, it still hurts your score.

It’s usually not wise to start paying off old accounts as your primary credit repair strategy. Even after you pay off all your old accounts, you’ll still be left with bad credit and low scores. Let us put our strategies to work to not only get old debts settled but also removed from your credit reports so your scores will increase. Feel free to discuss your options with your credit advisor for the best possible solution to your situation.

Question 28

Do you bill in advance for service?

xclfin01 · Accepted Answer

In compliance with the Credit Repair Organizations Act, we only charge for credit repair services after they’ve been fully rendered. Your initial payment to us is only made after we’ve completed your customized case set-up, assigned your personal credit advisor, completed your initial phone consultation, comprehensive credit report analysis, and prepared the first round of custom dispute correspondence for mailing.

Question 29

Does paying my bills restore my bad credit?

xclfin01 · Accepted Answer

You would think that would be true, but the credit reporting system doesn't work that way.

When you pay an old debt, the negative credit item doesn't disappear. Once paid, it will usually be reflected on your credit report as a paid delinquency, charge off or collection (which is still very negative and will pull your scores down).

You won't get very far paying old debts unless you also work to restore your credit at the same time. We’ll assist you with ensuring these items are removed from your report whenever possible.

Question 30

How much does your service cost?

xclfin01 · Accepted Answer

For detailed information regarding costs for our services, please visit our pricing page.

Question 31

Are you affiliated with a network marketing company that sells credit repair?

xclfin01 · Accepted Answer

Absolutely Not! We are not affiliated with any of the credit repair scams, network marketing, or MLM companies pretending to do credit repair. We know which companies you’re likely referring to and have seen the hundreds of complaints and bbb reports on these companies and their shady business practices.

Our company was founded by real estate brokers who began offering credit repair to our clients years ago to help them qualify to buy homes. Because of our experience helping clients repair credit issues in order to qualify for mortgages, we know exactly what it takes to fix credit issues of all types.

We have been licensed real estate professionals since 2001 and our primary goals are still the same, helping our clients repair credit-related issues from the past so they can walk into a better financial future.

Is Credit Repair legal?

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Why do I need to upload my credit reports to you?

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When I request my report, does it count as an ‘inquiry’?

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Is Credit Repair legal?

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Why do I need to upload my credit reports to you?

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Should I try to repair my credit on my own?

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When I request my report, does it count as an ‘inquiry’?

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How long will it take to repair my credit?

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Can’t I repair my credit myself for free?

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Do you guarantee to give me perfect credit?

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How long have you been doing credit repair?

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Why choose us instead of another credit repair firm?

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Can I talk to someone before I make a decision?

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Do you offer any guarantees?

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How does our credit repair process work?

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What if me AND my spouse need credit repair?

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Will you work directly with creditors?

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How do you dispute joint accounts?

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How can your disputes succeed, when mine don’t?

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What Type of Information Do We Collect?

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Why Do We Collect Personal Information?

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How Do We Collect Personal Information?

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How Do We Protect Your Personal Information?

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How are credit scores affected during the repair process?

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How long before I can apply for new credit and what are my rights?

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How do I send you my credit reports?

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Can I get a free credit report?

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Can you remove bankruptcies from my credit report?

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Should I file bankruptcy?

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Should I pay off accounts?

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Do you bill in advance for service?

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Does paying my bills restore my bad credit?

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How much does your service cost?

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