q&a
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Why Should I Choose Your Company?
We don’t only work to remove the negative, inaccurate information from your credit report. We also give you the information you need to increase your credit score. How Long Does it Take to See Results?
Prior to the pandemic, most clients were able to see results in as little as 30 days. Presently during this pandemic you can expect to see results between 45 - 90 days in many cases. How Much Will I Have to Pay?
You will need to pay a credit analysis fee of $249 in the beginning. During this process, we will give you a detailed report that explains what is lowering your credit score and what can be done to increase the score. If you decide you like the direction outlined, the fee is $199 per month. You are not obligated to sign up and you can cancel your service at any time. You are not charged a fee until work is performed. Based on your situation we will give you an expectation of how long you may need to be in the program between 6 to 12 months. The credit building tools are separate fees that are sold in packages based on your situation and if they will apply to you. What Will I Get When I Sign Up for the Program?
Once you complete the sign-up process, we will begin working on your credit report to remove any inaccurate, incomplete, and unverifiable information. The program also provides you with the information you need to keep working on raising your credit score. You will have portal access to your account to see what's happening in real time. We will communicate with you during the entire process via email, text, and phone call. How Long Will I Need to Stay in the Program?
Most people find a period of at least three months is necessary while some stay in for up to 6 - 9 months to effectively increase their score. The time has extended for many between 9 - 12 months due to the Pandemic. How Will You Get My Credit Report?
The way we access your reports and scores is with a partnering monitor service. In order for us to create your analysis report to go over with you during your FREE consultation, you will receive the link to create your account. Once you're set up, you will give the login information to us and we take it from there. Is a 3 in 1 Report Better?
Yes, it allows you and us to see what all three of the major bureaus have reported in a single report. You can start with getting your reports with all three scores here: https://www.myscoreiq.com/get-fico-preferred.aspx?offercode=432121D7. Can You Work On More than One Inaccurate Account at a Time?
Absolutely! We do have several ways of tackling items. Many times we will group the various types of accounts in several correspondences. Who Qualifies for the Family Plan?
Anybody who lives in the same household can get the family plan. You do not have to be married. Who Will You Share My Information With?
Your personal information will not be shared with anybody. The only time information is shared would be with an affiliate partner who is a part of the dispute process and or real estate professional that you've authorized us to speak with regarding your account. Will Your Service Help Me Get a Home Loan?
By increasing your credit score with the removal of inaccurate, incomplete, unverifiable information, along with decreasing your Debt-to-Income ratio, you will have a better chance of being approved for a home loan. There are other criteria you will have to meet that credit is dissociated with during the loan process. Do You Dispute with Collection Agencies and Creditors?
Yes, when necessary we will dispute inaccurate, incomplete, and unverifiable information with collectors and creditors. We hold them accountable to follow the consumer protection laws that govern their business and agencies. Can I Call if I Have More Questions?
Sure, call (704) 680-6355 or fill out a form on the website and we will get back to you. Can I Start Now?
Yes! Click this link and complete the form on the website. Book your appointment within 24 - 48 hours, thereafter, we will go over the details of your credit analysis and we can then provide the plan of action for your situation along with giving you an average of how many months we'll need to work with you. |
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