Common Questions About Our Credit Repair Services

Question: How much does it cost?

Answer: The setup fee is normally $499 and billed after we complete the setup work. The monthly fee is $139 and will continue on the following month on same day of the month for services performed the previous month. We often have special discounts available depending on your situation. Call us for a quote.

 

Question: How long does it take?

Answer: Our service is a 6 month minimum unless you finish sooner. If so, we contact you and congratulate you and stop your billing; otherwise, we ask that you give at least 6 months to do the best job we can. Some clients only take a few months and others take over a year. It really depends on the severity of your credit, the number of items and how far you want to go with it. Our process is not a miracle cure and does not solve all of your credit issues overnight. It takes time, persistence and pressure to show you the best results.

 

Question: How can I trust you?

Answer: Fortunately, you have found a company that you CAN trust. Unlike most of the competition, we are established and have been in business for nearly a decade. We are also accredited with the Better Business Bureau with the highest rating possible. Our service agreement outlines our program and responsibilities and we give you access to monitor your progress, so everything is full transparency.

 

Question: How do I get started?

Answer: Your enrollment can be completed in just a few minutes. First, call us so we can determine if you are a good candidate. If so, we will walk you through the setup process in a matter of only a few minutes.

 

 

Question: How do I track my progress?

Answer: We give you full transparency. For one, you will receive (3) updated credit reports in the mail every 30-45 days. The credit reports will each include an “Investigation Results” page that clearly shows a list of the items investigated along with the result for each investigation. We ask that you email, fax, mail or upload the results to us. We provide you with a real-time online portal and post the results for you so you know exactly where you stand.

 

Question: Can you help me build credit?

Answer: Absolutely! We our experts and will strategically guide you through the process of building new credit. If you ever want your FICO to get up there over 720, it is imperative you start with a strong foundation of revolving and installment trade lines. Our network provides free referrals to lenders, local banks, realtors, mortgage brokers and auto dealerships ready and willing to help you build and optimize your credit.

 

Question: Is credit repair legal?

Answer: Yes, credit improvement is legal if you follow the guidelines of the Fair Credit Reporting Act and the Credit Repair Organizations Act.

 

Question: Do you guarantee my credit will improve?

Answer: No one in this business can guarantee that but we are confident that with time and persistence we are usually able to delete the majority of harmful items affecting your credit. The longer you remain a client, the more likely it will be that more of the harder to delete items are eventually removed.

 

Question: I have a creditor reporting a debt with an inflated balance, can you help me?

Answer: Similar to the audit and verification process, we use our knowledge of consumer protection laws and dispute the accounts. In most cases we not only contact the credit bureaus, we also contact the creditor or collection agency directly. We place the burden of proof squarely on their shoulders and are often successful in resolving some of the most difficult problems quickly and inexpensively.

 

Question: Can you delete inquiries?

Answer: Yes, inquiries are part of your credit history and impact your credit scores. We can challenge questionable and excessive inquiries.

 

Question: How do you help with inflated or expired debt?

Answer: Similar to the audit and verification process, we use our knowledge of consumer protection laws and dispute the accounts. In most cases we not only contact the credit bureaus, we also contact the creditor or collection agency directly. We place the burden of proof squarely on their shoulders and are often successful in resolving some of the most difficult problems quickly and inexpensively.

 

Question: I have old collection accounts, should I pay them?

Answer: Sometimes paying off old debts can reduce your credit score. When you make a payment, it restarts the statute of limitations and creates a new entry scheduled to stay on your credit for an additional 7 years. We would like to review your credit reports and make recommendations based on our findings. Chances are we may be able to remove the majority of the outdated information saving you hundreds or even thousands of dollars. If the accounts are verified and we hit a roadblock, we will assist you in settling the debts. Keep in mind, we are not a debt settlement company and do not handle any of your settlement funds and we do not physically call your creditors to negotiate, rather; we will discuss the individual situation with you and based on our recommendations and your budget, we can offer settlements by mail. If the creditor accepts the offer, we will walk you through settling the debt legally and correctly.

 

Question: How long have you been in business?

Answer: We have been in business since June 2004.

 

Question: What is the difference between a debt management company and your services?

Answer: Debt Management is often referred to as consumer credit counseling services, debt consolidation or debt settlement. That is not what we are about. They work with creditors to negotiate interest, balances or to negotiate a re-payment plan. A monthly debt payment is established and the 3rd party handles the disbursement of payments. Essentially, debt management companies are in charge of your debts. We on the other hand, are in charge of your credit. We are here to help eliminate questionable negative information and consult you regarding every aspect of your credit, however; if you are seeking a debt management program, we can certainly point you in the right direction. Chances are with a little bit of good advice you can handle the situation on your own.

 

Question: I have a recent foreclosure, can you delete it?

Answer: Foreclosure rates are soaring and a lot of good people have been the ones taking the brunt of the losses after the recent mortgage meltdown. Results have shown that foreclosures have been extremely difficult to delete from credit reports if they are recent. If the foreclosure is 100% accurate we will not challenge it. If there are nay discrepancies, we will be happy to see what we can do to help. Also, if you have recently been foreclosed on we recommend you allow 6 months before addressing the issue to increase your probability of a positive result. 

 

Question: Are you a member of the Better Business Bureau?

Answer: Yes, we are accredited members of the Better Business Bureau and have held the highest rating possible since July 2004.

 

Question: Do you have any online reviews?

Answer: Yes, please visit trustlink.org to check out what our clients have to say about us.

 

Question: I’m in a hurry to get a mortgage; can you help me improve my credit in 30 days?

Answer: Unfortunately, the answer is NO. We are using consumer protection laws and drafting audit and verification disputes which take time and often a lot of persistence to achieve results. Most of our clients see the majority of their progress within the first 90-180 days, but in some cases it may take even longer depending on your situation. If you are trying to get a home loan within the next 30 days, it is unlikely you will see major changes that are enough to impact the loan you are applying for.

 

Question: Do you offer a discount if my spouse or friend enrolls with me?

Answer: Yes, we do offer a discount on the monthly fee if another person enrolls with you.

 

Question: Do you dispute with the credit bureaus or do you dispute with the creditors?

Answer: Both! Unlike most “credit repair” companies, we go above and beyond by not only disputing items with the 3 major credit bureaus, we do direct creditor interventions with creditors and debt collection agencies which often yields for better results.