Here You’ll Find Many Of  The Most Common Questions I Receive Every Day About Credit Repair, How To Fix Bad Credit, Dealing With Bad Credit, And How To Increase Credit Scores.

 

Question: How Long Will The Credit Repair Process Take?

   There are no hard and fast rules and of course everyone’s credit report is different and unique. I have seen some reports boosted in a matter of days, and I have seen others take weeks. I will tell you however that the process does not take as long as some out in the media and credit repair business would lead you to believe.

   You must stay focused and organized while you are fixing bad credit. Remember though, it is not just a simple matter of cleaning up the negative items on your credit report. Would it shock you to know that the highest scoring credit reports are not always the “cleanest”.  We have been led to believe that only if you have no late payments, no collections, and no bankruptcy listings in your report, you will automatically have the elite FICO scores.

Nothing could be farther from the truth!

 

Question: Does Credit Repair Really Work?

   Absolutely! Contrary to what the three major credit bureaus (Trans Union, Experian, and Equifax) would have you believe, credit repair works and is also your guaranteed, protected right to have credit reports with accurate information.

   Anyone with a FICO Credit Score below 750 will benefit longer term and short term from the advice in this blog. Those of you with scores over 750 will learn how to protect and keep those awesome credit scores.

   Make sure that you are getting the best advice from people who have actually been through what you are going through. There are plenty of hucksters out there on the Internet claiming they are experts and professionals. Just remember that it is possible to remove anything from a credit report (even accurate information) if a creditor does not abide by Federal Law.

Question: How Much Do You Charge?

   I have several packages and programs all at different price levels. Some are geared for the “Do It Yourself” types of individuals, and I have “Do It For Me” programs as well. Check out both of my websites for more information:

www.CrushingTheCreditBureaus.com

www.ImproveMyCreditScoreWorkshop.com 

Question: What Can You Do That I Can’t?

   Nothing. Everything I can do, you can do yourself. You can spend the time, effort, and big bucks that I spent on my journey to learning how the credit system works. My knowledge of credit scoring, credit bureaus, and creditors comes from the “School Of Hard Knocks”. My methods are time-tested and prove to work. My team and I are constantly tweaking new methods of increasing your credit scores and removing negative items from your reports.

   Let me save you the time and frustration so that you can get your FICO Credit Scores where you desire quicker than I originally did.

Question: What Is Your Warranty or Money Back Guarantee?

   It is very simple. My e-book is 100% guaranteed. If you truly don’t find value and unique knowledge from the book, then there is nothing I or any other credit repair author can do to help your situation. I stand behind the effectiveness of the information it contains and more importantly, the results that my students and clients receive from it and continue to receive from it.

   For my private coaching and consulting clients, If I don’t remove at least 25% of all the negative items from your report that my team and I work with you on, from all three major credit bureaus, within six months from the time you sign up for the workshops, then you are entitled to a prompt and full refund.

   This guarantee/warranty will only apply if you have at least 4 unique negative items on your reports at the time of sign-up and you have not used a credit repair agency or attempted to remove the items within the last 18 months. The reason for this is simple – if you have had a credit repair company that doesn’t know what they are doing work on your report, I have to let some time elapse so that the bureaus don’t refuse to investigate. If proper techniques and procedures were not followed, the bureaus will automatically refuse and send out a previously verified form letter. Unpaid collections and unpaid charge-offs do not qualify and are not included.

   Students must send in updated credit reports from all bureaus within 5 days of receiving them.

Question: How Long Will It Take To Raise My Credit Scores?

   Every credit report is different and every persons personal situation is unique. Over 95% of our students and clients see FICO Credit Score increases in the first 32 days. Many see score increases over 100 points in 90 days or less.

Question: Why Is Your System And Results So Different Than All Of The Rest?

   I have been where you are, heck my situation was probably MUCH worse than your is now. I constantly research and stay educated on what the current FICO Scoring Algorithm is doing. I make it a point to be constantly testing and tweaking our procedures to get the fastest results.

Question: Will Removed Items Be Placed Back Onto My Credit Reports In The Future?

   No. It is illegal for the bureaus to do that. Now, I have seen it happen from time to time, but when those isolated cases happen, they are removed immediately once they have been brought to the attention of the credit bureau.

 

Question: What Types Of Negative Credit Items Can You Remove?

   Late-Pays, Foreclosures, Tax Liens, Collections, Charge-Offs, Repo’s, Medical Bills, Credit Card Debt, Student Loans, Inquiries, Judgments, Bankruptcies, etc

Question: What Things Can’t You Remove?

   None

Question: Where Can I Get A Copy Of My Credit Reports?