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                 Your service has been out of this world. My credit reports have been cleaned up and I cannot believe it. I have new credit cards and higher lines of credit because of your efforts. The money I paid your company was the best money I ever spent. I will recommend you to everyone.
Paul K.
Costa Mesa, CA |
FAQs
Q. Is it legal to remove negative or derogatory items from my credit report? A. Absolutely. Your right to dispute items on your credit report is explicitly granted by the United States Congress in the Fair Credit Reporting Act (and other laws). Unfortunately, because it requires extra work to investigate as the law mandates, the credit bureaus would have you falsely believe that there is something wrong with disputing items on your credit report. Q. How long does this process take? A. You should see your first results within 21 to 35 days. We feel confident that a significant portion of your results will appear within the first 60 days. However, your participation in this process is equally important. This is a detailed and skilled procedure which may take up to 180 days to achieve the results you are seeking. Q. Is it really possible to repair credit? A. Technically, no. For example, Federal and State laws prohibit us from saying that removal of all negatives can be guaranteed. Yet, any information, no matter how accurate, which cannot be verified within a reasonable amount of time according to law, CANNOT be included on your credit report. Q. Will deleted items reappear? A. While rare, there are times when a credit will eventually verify information that has already been deleted from your credit report. The federal law requires a credit bureau to inform you prior to re-listing a previously deleted item. This same federal law makes it more difficult than ever for a credit bureau to re-list a deleted item. Therefore, although it is technically possible for a deleted item to reappear on your credit report, it is highly unlikely. If an item reappears on your credit report we can again dispute it at a future date and work towards a permanent deletion. Q. Can I apply for new credit during this process or should I check my credit regularly? A. We ask that you do not apply for new credit unless it is absolutely necessary during this process. In addition, you will be supplied with updated credit reports as the negative items are removed. Q. Should I continue to pay my bills? A. Whether an item is deleted from your credit report or not, if the underlying debt is still owed you are still responsible for it. Removal of such an item from your credit report is only a temporary solution. If the debt is still accurate and owed, the creditor or collection agency can, and most likely will, re-report the item to the bureau. Q. If I pay my bills, will my credit improve? A. Unfortunately, it doesn’t work this way. When you pay down an existing debt the negative item in your credit report doesn’t go away with the debt. Instead, when you pay this debt the creditor will report this payment as late and the seven-year time period will re-start. So, even though you have paid, they will report it as a late payment. Even worse, generally a current negative listing is not treated any better than an unpaid negative listing. Therefore, you get no bonus points in respect to your credit report for doing the right thing and bringing your account current. Q. Are there any items which are hard to remove, such as bankruptcies, repossessions and foreclosures? A. No. Any unverifiable, inaccurate, outdated or misleading item can be removed. Bankruptcies, repossessions and foreclosures are considered negatives and derogatories just like a late payment, though more severe in the amount of points deducted from your credit score. Often times these items can also be removed. Q. Do you guarantee your work or warranty your services? A. Yes, we do. If we don’t improve your credit positioning with all three credit bureaus within 180 days then we will return our fee. We guarantee that we will work your case with maximum diligence. Q. How will I find out about my results? A. You will receive all results first-hand by mail from the creditors and the credit bureaus. You will need to forward the originals to us by fax, e-mail or U.S. mail. Q. Do I need an attorney to represent me? A. No. However, we work with many attorneys and if a situation arose that required legal counsel we have experts we refer our clients to.
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