"Millions" of dollars have been spent to convince you that nothing can be done about BAD CREDIT. The TRUTH is you do have rights and you CAN do something right now. It's the LAW! The time is NOW to prepare for tomorrow.
 

FAQ

Frequently Asked Questions.

GOT QUESTIONS? WE’VE GOT ANSWERS!

gute indikatoren für binäre optionen The following is a list of the questions we receive most frequently. If you can’t find the answer to your question here, please contact us, and a representative will be happy to help you. Click HERE to Contact Us.

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Service Fees
  • +How will I be billed for service?
    There is a credit report fee of 25.00 per individual. We do not charge for our credit review, this is included in our program. To get the fee for our services please contact us. We are very affordable.
  • +How long do I have to stay with the program?
    Our clients usually stay enrolled for 12 months (in some cases 6 months) to ensure they get the most out of the process. But you will start to see results in as little as 30-45 days!
  • +If I cancel right before my monthly billing date, do I owe anything?
    Yes. Also Your file will be placed on hold until payment is made or you request to re-activate your account. Until then all processing services will cease. We are here to help you succeed so we are open to talk about your situation and help you succeed.
  • +What do I get for my service fees?
    1) Continuous investigations into the erroneous, inaccurate, unverifiable data identified on your credit report with all three credit bureaus through our credit dispute and bureau verification process. 2) One on One & Unlimited positive credit consultations/support with our personal team of credit specialists. You will access to us throughout the process.
  • +What forms of payment do you accept?
    We accept Checks & most all major credit cards.
  • +Will anyone help me understand what I need to do to post good positive accounts?
    Absolutely! You will be assigned a personal credit expert who will use their knowledge to guide you through all the steps you can take to set yourself up for success during and after the correction process is complete. Adding recent, positive, active and available credit to your profile is a MAJOR action step you will need to take in order to achieve and maximize your credit score potential if you do not have and or very little open and active accounts. If you have no or very little open accounts rebuilding credit history is a necessary action step you will need to take. It's quite EASY. We will show you how.
  • +What is the First Step in this Process?
    It all starts with a credit review, which you can get by visiting our Contact Us page or calling us Toll-Free at 1-877-567-4529. We’re different from our competition in that every one of our clients receives individual attention from our staff. We formulate a customized plan of action based on your specific needs. No two clients are alike but everyone gets the "red carpet" treatment!
  • +How do you restore bad credit?
    Once we’ve received your credit reports, we will analyze your credit history to identify inaccurate items that are responsible for bringing your credit score down. Then we will draft special custom letters to dispute these erroneous, outdated, inaccurate, incomplete or unverifiable data on your behalf. Although we encourage consumers to dispute their own credit if they have the time and knowledge to do so, It is important to note that, according to federal law, the credit bureaus can ignore your dispute under a variety of conditions and even responding to you that your credit dispute if "Frivolous"!. In our experience, a large part of dispute letters sent directly from consumers are rejected for one reason or another. Credit Smart Repair's custom dispute letters are expertly designed such that credit bureaus will accept the dispute and conduct an investigation and get passed their super computer and we will keep the investigations and re-investigations going. We also dispute directly with the Collections agencies and Original creditors when necessary as part of the process. A disputed credit listing data must be verified as 100% accurate for it to remain on the credit report. If the credit listing contains an error, the credit bureau may simply correct or delete the item. Unfortunately, very often disputed credit items cannot be verified because either the creditor no longer possesses the necessary information, or that creditor will not go to the effort of verifying it even if they have the information in question. Furthermore, the investigation must be completed within 30 days or the listing MUST be removed. For these reasons, properly disputed credit listings are removed from your credit report with remarkable frequency and as result your credit will improve in most cases almost instantly.

    At the conclusion of the credit bureau’s investigation, a new copy of the updated credit report is sent to you along with any deletions, updates, corrections and improvements. You then provide us with a copy of the new updated credit report(s) and the cycle repeats itself at strategic intervals.

    Each time an investigation is initiated, the odds of receiving a particular deletion increases but we are aggressive and persistent to get you positive results we are looking for.
  • +How long does it take?
    Everyone wants you to see results immediately. Although everyone’s credit history is different, most people will see progress within the first 30 to 45 days of their enrollment and deployment of credit disputes. The majority of time is spent waiting for the credit bureaus to respond to requests. We take great effort in getting our disputes to the bureaus as fast as possible. As a reference, the average person with 7-10 erroneous, Inaccurate, Incomplete or Unverifiable items on each credit report should be prepared for a minimum 6 month commitment. Keep in mind that if you have 10 items we are challenging and they are reported to all 3 credit credit reporting agencies: then you really have 30 items we are having to work on not just 10! Some clients are with us for 8-12 months in severe cases. 10 Items we consider severe. Our credit consultants can advise and consult you on this matter during your zero cost private credit review.
  • +I keep receiving credit reports from Experian, Trans Union and Equifax in the mail. What do I do with them?
    Simply fax ALL Pages Front & Back to 661.215.5147, mail to 15981 Yarnell Street, Suite 103, Sylmar CA 91342 or email them to us at creditsmartrepair@gmail.com, and we will interpret them for you and update your file and proceed with followup credit disputes.
  • +How do I get an update from your company about my credit wile in your program?
    Simply call our office or email us and we will update you on your file.
  • +How do I get my credit score?
    Often receiving an accurate credit score will create a HARD credit inquiry in some cases (not all) possibly lowering or effecting your credit score. However, we have suggested websites where you can easily obtain your scores, or if we feel that enough improvement has occurred on your reports we will suggest to your loan broker to have a new credit report pulled to see if you are financeable or we can run a follow up report. You get 1 FREE Follow up credit report as part of our program. We recommend waiting to use this complimentary report after being 6 months in to our program to allow us enough time to impact your overall credit report and scores. You can also go to www.myfico.com and get your credit FICO scores on a monthly basis with NO HARD inquiry but it is subscription based and the cost for this will be billed monthly by www.myfico.com (their pricing can be found on their website) We are NOT affiliates of this company BUT they do provide the correct scores most lenders use so that is why we recommend them. They are the ones that gather all your personal credit history and come up with your FICO scores. It's up to you of you want to monitor your credit and FICO scores each and every month. We think pulling it every 6 months is just a good.
  • +What is my credit score based on?
    Credit scoring is based on many factors that may include:

    • Amount of available credit

    • Payment history

    • Recent requests for credit

    • Amount of credit currently being used

    • Length of credit historyv


    Under the Equal Credit Opportunity Act, credit scoring may not use gender, martial status, national origin, race, or religion as factors.
  • +I have received a one-page letter from each bureau asking for additional information. What do I do?
    The credit reporting agencies have numerous DELAY and STALL tactics to slow the process down, and anything from discouraging documents to asking for a variety of information. We automatically handle all these issues, so there is NO need for you to do anything until you receive your actually credit reports. Either way ALL documents per our agreement must be SENT back to us so our professionals can respond and follow up on your case and those documents. NEVER complete any forms that are mailed to you. This will be used against you in most cases and you could harm your efforts to fix the issues being reported on your credit reports.
  • +How long will this process take?
    You have to remember this is a process NOT an event. Credit reports are like fingerprints, everyone is different. Your assigned credit expert will be able to give you the best idea depending on the many factors involved and what is currently being reported on your credit reports. But again you will see results of the investigations in 30 to 45 days of enrolling into our program.
  • +How much does bad credit cost?
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    If you are making vehicle payments, you are most likely paying between $4,000 and $10,000 more over the course of the loan just for having credit score issues. This added interest shows up every month in a higher payment.
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    Damaged credit on a vehicle is nothing compared to the effect of damaged credit on a home loan. A typical home can cost between $90,000 to $180,000 and $300,000 more in interest over with the 30 year mortgage loan, if you are buying the home with damaged credit. Also 1% in your interest rate can cost you to lose $50,000 LESS in your buying power/ home loan approval. So taking the step to fix your credit could be difference in settling for a home you are not in love with and getting your dream home.
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    It is not unusual to not be able to get an unsecured credit card with damaged credit. The accounts you may be approved for will typically have higher rates, low credit limits and have higher than normal penalties and fees for things like late payments and over the limit fees.
  • +What should I pay off?
    Credit reports can be very difficult to read and even more difficult to navigate properly. Please consult with your credit expert before applying funds to any past unpaid debts including outstanding/unpaid collection & charge-off accounts. If not you may damage your credit score unintentionally. DO NOT pay or contact older unpaid Collection accounts without contacting one of our credit experts first. The action of paying off older unpaid Collections will damage your credit.
  • +What if I am currently using another company but see no results and want to use your now?
    Please be sure to CANCEL your subscription with the other company and notify them that you are unsatisfied and you would like to cease any further services on your credit. This is very important and counter intuitive because the processing we do on your case may be jeopardized if two companies are working on your credit at the same time. Even if you have used another company we can still help you get the results you desire in most cases. Especially because we use MANY MORE dispute methods then most any other company in our industry. Over 20 years of experience will be working for you.
  • +Will the accounts you have deleted reappear?
    This is highly unlikely. The Fair Credit Reporting Act and FACTA (Fair And Accurate Credit Transaction Act) make the re-insertion of deleted account more difficult for the credit bureaus to do this. In the extremely rare case it does happen, our company will re challenge the item and force them to remove it. If they Ever did by LAW they would have to notify you in writing 5 days before they do. The credit bureaus are known to 99% of the time NEVER do this and that means they are violating the FCRA (Fair Credit Reporting Act) and will need to remove it again since they can be sued for the violation.
  • +How can bad credit be deleted?
    Negative credit listings are deleted from peoples’ credit reports each and every day!
    Our firm is hard at work every day challenging damaging, Inaccurate, Incomplete & Unverifiable credit entries on behalf of our clients. Utilizing proven and absolutely legal methods, Our firm is a professional organization working for you and your credit to help you save money and start winning the credit game.
  • +Is credit restoration legal?
    Yes, you are given the right under the Fair Credit Reporting Act (FCRA), including the right to challenge Erroneous, Inaccurate, Incomplete or Unverifiable data appearing on your credit reports. Our firm uses every venue available to you under the consumer laws to help you assert these rights.
  • +How is this done legally?
    Disputing items on your credit report is your legal right (see the Fair Credit Reporting Act).
  • +What is a credit score?
    A credit score is a numerical ranking system that lenders use to determine how much of a credit risk you are. A credit score is a numeric indication of how likely you are to repay debts such as loans or lines of credit. Lenders use this number to determine how much of a credit risk you are. Credit scores also are designed to indicate your creditworthiness in comparison with other consumers.

    Credit scores are based on the data in your credit report and are generated by computers using artificial intelligence "algorithms". Usually a credit score is between the numbers 300 to 850. The higher your score, the more “creditworthy” you are to lenders. Unfortunately credit scores are not used for determining risk factors for insurance, employment and may even determine if you get a job promotion or not. It's that important!!
  • +Will I get results?
    Yes. We know from experience that due to our one on one personal approach, our clients experience tremendous positive results. The ranges of success are as endless and unique as our clients. We partner with our clients, giving them every advantage they can have in the credit world. Yes, achieving results requires that we work in partnership. Your results will reflect that partnership. Don't worry we will guide you every step if the way.
  • +Do you offer a money back guarantee?
    YES! There is a best in the business 90 money back guarantee . This Guarantee states that if within the first 90 days in the program after receiving your updated credit reports in the mail, you do not see any results which include: account updates, corrections, deletions on erroneous, unverifiable, Inaccurate, Incomplete or Unverifiable accounts (data/information/items being reported) You will provide proof to our firm and you will get a full refund (less credit report cost of $25.00 per individual) within 30 days of your request if deemed valid and accepted by our company.
    Yes! I get it and want to Get Started Now!
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