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Juan Pablo, 100PercentFinanced.com
“All I can say is Jerry's an expert at what he does. I can personally say that the information he provides in his eBook is priceless. On top of that he and his staff are A-1 when it comes to customer service and making sure you understand exactly how the credit repair process works.“
Here's What You Get When You Order Today:
- How To Remove Any Type Of Inaccurate & Unverifiable Information Off Your Report
- Make Sure Collection Agencies Are Following FDCPA/FCRA Laws
- Opt Out Pre-Screen & Stop Credit Bureaus From Profiting From Your Personal Information
- A List Of Some Of Our Most Effective Dispute Letters For Any Situation You Encounter
- Get 24 Hour Access To Our Facebook Group Page
Plus These Amazing Bonuses:
- How to legally remove Credit Inquiries off your credit report
- Know What A Credit Sweep Really Is, In Detail
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Q.How long does each round take?
A.Each round takes 30 days. On the 30th day, we will pull your credit report and draft together the next round of disputes.
Q.Do we fill out anything we receive in the mail from the credit bureaus?
A.No, do not fill out any correspondence you receive from the credit bureaus, collection agency or any creditors.
Q.How often should I expect to get mail from the credit bureaus?
A.You should receive letters from the credit bureaus and creditors about every two-three weeks until your credit repair is completed.
Q.I received a credit report from Experian notifying me that they will no longer investigate items on my report without documentation to prove the items we are disputing are being reported incorrectly. I want to understand what the next steps?
A.That is one of the various stall tactics the credit bureaus use in order to discourage consumers to continue disputing with them. When this happens, just stick to the plan and continue with the dispute process.
Q.My credit score went down after my dispute, why is that?
A.There is a possibility that your score can go down while working on your file. There are a variety of reasons that this may happen such as new negative information reporting on your file, falling behind on payments, being above on your debt to credit ratio or not having enough positive tradelines on your credit report to make up for the negative accounts you have reporting.
These are some of the most common factors. We cannot control these factors so we ask for your patients and after repairing your credit, we can work with you on ways to improving your credit score.
Q.My mortgage broker pulled my credit score and it is different than the one on the website I signed up for, why is that?
A.That is because there are 49 different scoring models out there. That means you can have one credit score showing on Credit Check Total as a 650 and show up on Privacy Guard as 700. As confusing as it may sound, the only scoring model you need to focus on is the FICO model, which is used by almost every industry. The FICO model runs on a scale of 300 to 850 with a 720+ considered as an excellent credit score. You can get this scoring model on myfico.com and also www.creditchecktotal.com has also added this scoring model in 2015 as well.
Q.If I pay a collection account off, will it come off my credit report?
A.Simply paying off an account or collection does not guarantee that it will be deleted from your credit report. It will stay on your credit report as a “paid collection” which will remain on your credit report for up to 7 years. You can get the collection account removed off your report legally if you catch the collection agency in violation. We can assist you with this process.
Q.How long is it going to take to repair my credit?
A.Credit repair can typically finished between 3-6 months on average if done right. Results may vary depending on your situation. Check out our testimonials for some of our client results.
Q.Will signing up with privacyguard.com or creditchecktotal.com lower my credit score?
A.When you request your own report, which is considered a soft pull, it has no impact on your credit scores. When you are applying for financing and the company requests a hard pull, then that will generate an inquiry on your credit report. Too many hard inquiries will lower your credit score because it shows other companies that you are shopping around for credit and may be a risk.
Q.Should I just pay off my credit card and close the account?
A.We do not recommend closing credit card accounts. This will NOT improve your credit scores. A huge part of your credit score is the length of credit history in your file so closing a credit card account will not help your situation at all. Pay off the cards and keep them open. If you have a few late payments, that’s okay. After a year, they will not affect your score as much.
Q.Can I apply for credit during this process?
A.You MUST NOT apply for any credit whatsoever during this process. This can result in minimal to no results and/or the credit repair process may take longer. If you apply for any new credit during the process, we are not responsible for any lack of results on our end.
Q.When should I expect everything to be removed and fixed on my report?
A.We cannot guarantee that your file will be completed in a specific period of time; however, we are committed to work on your file until we obtain 100% satisfactory results. Our goal is to complete your file as soon as possible, but there are factors beyond our control. This program is for 3 months but the best results usually take between three (3) to six (6) months.
Q.Do I still owe the debt once the account has been removed off my credit report?
A.Once the account has been removed off your credit report and stature of limitation has been reached, legally the company cannot collect the debt anymore. Every state may vary. With that said, we are not consulting you to not pay the debt or to intentionally default on your bills. The company does have the right to sue you in certain situations.
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