What is a credit report?
Credit report is document that shows your individual credit history. It contains information about debts, previous and current, any past due amounts and late payments, payment amounts and other information about every credit source the client has used.
Do I have a credit report?
You have an opportunity to get credit report in that case if you have ever applied for it or even if you enquired about any financial product: store credit card, credit card, mobile phone contract or if you enquired about insurance product.
How does my credit rating affect me?
Any information in credit report, like details about how you opened an account, paid a bill late or applied for credit, influences on your rating. If in report was mentioned that you have “late payment”, “defaults” or other negative information, you may pay more for your loans and credit cards, you can also be refused credit altogether. All this is because you’ve been considered a “bad” credit risk.
How can I get a bad credit rating?
Bad credit rating is result of late payments %u2013 you could simply forget to pay bill on time or by simply assuming you have paid an account in full or by disputing a bill. Or if you’ve changed address but forgot to divert your mail and inform your credit provider. Bad credit rating could be also a result of too many applications for credit, no matter if you even got a broker, who made numerous credit applications on your behalf.
What exactly do you do?
Our program is very easy and clear. Firstly, by signing up, you give us some limited right to carry out credit repair work. We do it on your behalf, and then, upon receiving your credit reports, we provide an examination according to laws that manage behavior of all participants in credit process. We will check everything that isn’t in compliance and will care about clearing derogatory information from your reports by sending letters to relevant parties. Our way of solving is very effective and even more, with us you can use valuable counseling services, which will insure you that you have all necessary details to maintain and maximize your credit scores.
How long will it take to repair my credit report?
First results you can see after 35-40 days. But you should remember that any individual situation is different and can be more complicated. All process can take as less as 60 days and as long as 6 months or longer. It depends on type and number of items that should be addressed. And you should also keep in mind that credit bureaus have right to not remove an item after first request, so it may need additional actions from our part. But don’t worry, we’ve been dealing with credit bureaus since 1989 and we know how they operate! So it’s our job to do everything necessary, to re-address any oversights to give you expected result.
Should I sign up my spouse at the same time?
We invite you both to sign up, because we will offer you great discounts in this case. Being couple you can create a significant number of joint accounts or share none. Or in other way, we will set up individual files for both of you and you both will get all possible individualized attention. To prove that you are couple you should have the same mailing address.
How do you dispute joint accounts?
Service for joint accounts is the same like for individual ones. If you will use all advantages of our 50% spousal discount, it’s our job to create individual files for both of you and every dispute will be solved methodically. Probably we will dispute the same information for you and your spouse at the same time and this is appropriate. Important thing is that you both will have own credit report and will get equal personal attention.
Can you help us build new credit?
When our job is done, you feel like you will be left with insufficient credit. But we offer you our help with getting one or two new credit card, because it’s important step in building great usable credit - all creditors usually look on open accounts with good standing. This new secured credit card usually needs a small savings deposit which will secure you entire credit line on MasterCard or Visa. Information about these credit cards will be in your report. We invite you to do a small purchase with new card and make the minimum payments monthly. Notice that we aren’t in any relationships with credit card companies, so we make our recommendations only caring about your benefit.
What should I do while you are repairing my credit?
You join us to get good credit and all possible benefits, and we work very hard to give you the best results. But there are some things you also have to do to help us. Firstly, pay all your bills in time, because late payments have very negative impact on your score. Secondly, don’t max out your credit cards. Remember, that you can loose over 100 points by running your cards up to the max, so approaching the credit limit will cost you a lot. And the last advice is %u2013 open your accounts only when it’s really necessary, don’t accept every offer you get on mail. New credit lines decrease your score. So, according to these advices, you will build effective credit.
Do you share our personal information with anyone?
No, never! In any situation, we do not share, sell or publish your information. It should be super clear for you: we will never sell or give your name to anyone and be sure that no one will see your information. And of course, we do not discuss your situation, never, in any circumstances.
How do I send you my credit reports?
After signing-up you will get detailed step-be-step instructions about obtaining your credit reports and giving them to us. Firstly, if you haven’t requested your free report from annualcreditreport.com %u2013 you can do like this. Or if you have credit report which isn’t older than 60 days, you can send it to us by mail or e-mail. If your credit report older than 60 days, you should purchase new reports. Notice, please, that using our service you will receive updated reports from every credit bureau %u2013 it will be result of our work. After you will see them, you will need to resend these reports to us for we can monitor the results.
When I request my report, does it hurt my credit scores?
No, it doesn’t affect on your score. In general, your credit could be run by someone only because you’ve applied for new financing. Your score could be impacted when inquiry shows that you are going to make new debt. But impact of inquiry is small and disappears after few months. There are few cases when your credit may be run without changing your score. These exceptions are about situations when you make direct inquiry by yourself or potential creditors make it without your knowledge (like these offers about new credit card offers in your mailbox). These inquiries don’t influence on your score simply because they don’t show that you are going to make new debt.
Can you order our credit reports for us directly?
No, we can’t do this. Such credit repair companies aren’t allowed to apply for credit reports for clients. Law says that credit reports may only be run for the purpose of determining credit worthiness. But we believe that law should allow to credit repair companies to run credits for clients, our service is important for millions of people so that legislation could help us to make process more easy. Any way, until this exists you will have to obtain your credit reports by yourself. After signing up we will give you super simple and clear instructions about how get your reports easily - step by step, to make this process fast and hassle-free.
Credit report is document that shows your individual credit history. It contains information about debts, previous and current, any past due amounts and late payments, payment amounts and other information about every credit source the client has used.
Do I have a credit report?
You have an opportunity to get credit report in that case if you have ever applied for it or even if you enquired about any financial product: store credit card, credit card, mobile phone contract or if you enquired about insurance product.
How does my credit rating affect me?
Any information in credit report, like details about how you opened an account, paid a bill late or applied for credit, influences on your rating. If in report was mentioned that you have “late payment”, “defaults” or other negative information, you may pay more for your loans and credit cards, you can also be refused credit altogether. All this is because you’ve been considered a “bad” credit risk.
How can I get a bad credit rating?
Bad credit rating is result of late payments %u2013 you could simply forget to pay bill on time or by simply assuming you have paid an account in full or by disputing a bill. Or if you’ve changed address but forgot to divert your mail and inform your credit provider. Bad credit rating could be also a result of too many applications for credit, no matter if you even got a broker, who made numerous credit applications on your behalf.
What exactly do you do?
Our program is very easy and clear. Firstly, by signing up, you give us some limited right to carry out credit repair work. We do it on your behalf, and then, upon receiving your credit reports, we provide an examination according to laws that manage behavior of all participants in credit process. We will check everything that isn’t in compliance and will care about clearing derogatory information from your reports by sending letters to relevant parties. Our way of solving is very effective and even more, with us you can use valuable counseling services, which will insure you that you have all necessary details to maintain and maximize your credit scores.
How long will it take to repair my credit report?
First results you can see after 35-40 days. But you should remember that any individual situation is different and can be more complicated. All process can take as less as 60 days and as long as 6 months or longer. It depends on type and number of items that should be addressed. And you should also keep in mind that credit bureaus have right to not remove an item after first request, so it may need additional actions from our part. But don’t worry, we’ve been dealing with credit bureaus since 1989 and we know how they operate! So it’s our job to do everything necessary, to re-address any oversights to give you expected result.
Should I sign up my spouse at the same time?
We invite you both to sign up, because we will offer you great discounts in this case. Being couple you can create a significant number of joint accounts or share none. Or in other way, we will set up individual files for both of you and you both will get all possible individualized attention. To prove that you are couple you should have the same mailing address.
How do you dispute joint accounts?
Service for joint accounts is the same like for individual ones. If you will use all advantages of our 50% spousal discount, it’s our job to create individual files for both of you and every dispute will be solved methodically. Probably we will dispute the same information for you and your spouse at the same time and this is appropriate. Important thing is that you both will have own credit report and will get equal personal attention.
Can you help us build new credit?
When our job is done, you feel like you will be left with insufficient credit. But we offer you our help with getting one or two new credit card, because it’s important step in building great usable credit - all creditors usually look on open accounts with good standing. This new secured credit card usually needs a small savings deposit which will secure you entire credit line on MasterCard or Visa. Information about these credit cards will be in your report. We invite you to do a small purchase with new card and make the minimum payments monthly. Notice that we aren’t in any relationships with credit card companies, so we make our recommendations only caring about your benefit.
What should I do while you are repairing my credit?
You join us to get good credit and all possible benefits, and we work very hard to give you the best results. But there are some things you also have to do to help us. Firstly, pay all your bills in time, because late payments have very negative impact on your score. Secondly, don’t max out your credit cards. Remember, that you can loose over 100 points by running your cards up to the max, so approaching the credit limit will cost you a lot. And the last advice is %u2013 open your accounts only when it’s really necessary, don’t accept every offer you get on mail. New credit lines decrease your score. So, according to these advices, you will build effective credit.
Do you share our personal information with anyone?
No, never! In any situation, we do not share, sell or publish your information. It should be super clear for you: we will never sell or give your name to anyone and be sure that no one will see your information. And of course, we do not discuss your situation, never, in any circumstances.
How do I send you my credit reports?
After signing-up you will get detailed step-be-step instructions about obtaining your credit reports and giving them to us. Firstly, if you haven’t requested your free report from annualcreditreport.com %u2013 you can do like this. Or if you have credit report which isn’t older than 60 days, you can send it to us by mail or e-mail. If your credit report older than 60 days, you should purchase new reports. Notice, please, that using our service you will receive updated reports from every credit bureau %u2013 it will be result of our work. After you will see them, you will need to resend these reports to us for we can monitor the results.
When I request my report, does it hurt my credit scores?
No, it doesn’t affect on your score. In general, your credit could be run by someone only because you’ve applied for new financing. Your score could be impacted when inquiry shows that you are going to make new debt. But impact of inquiry is small and disappears after few months. There are few cases when your credit may be run without changing your score. These exceptions are about situations when you make direct inquiry by yourself or potential creditors make it without your knowledge (like these offers about new credit card offers in your mailbox). These inquiries don’t influence on your score simply because they don’t show that you are going to make new debt.
Can you order our credit reports for us directly?
No, we can’t do this. Such credit repair companies aren’t allowed to apply for credit reports for clients. Law says that credit reports may only be run for the purpose of determining credit worthiness. But we believe that law should allow to credit repair companies to run credits for clients, our service is important for millions of people so that legislation could help us to make process more easy. Any way, until this exists you will have to obtain your credit reports by yourself. After signing up we will give you super simple and clear instructions about how get your reports easily - step by step, to make this process fast and hassle-free.
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