Most Common Questions About Credit Repair
What is Credit Repair?
Credit repair is a service provided under the CROA that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated, or unverifiable. Any credit repair agency that claims to be able to remove ANY item other than those identified above is in violation of the Credit Repair Organizations Act.
Our 90-Day Guarantee
We are so confident in our ability to improve your credit that we offer a 90-day money-back guarantee. If we can't improve your credit, we'll refund you everything you've paid us - no questions asked.
We stand behind our work, and that’s why over 5,000 people have trusted us to repair their credit in the first place. We've made our service risk-free. We completely guarantee your satisfaction by allowing you to cancel any time and not only not charge you for that month, but refund your last 90 days as well. When you're paying month by month as you go, you're assured that you'll never pay for anything that you aren't happy with. You can cancel at any time and you will not be charged for that month of service. If you chose our flat-fee pricing, you have a full six-month satisfaction guarantee. Our goal is to make you one of our thousands of satisfied customers and we're willing to go the extra mile for it. That’s our promise to you.
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What items can be removed?
Virtually any item on your credit report carries the possibility of removal, including Bankruptcies, Charge-Offs, Collections, Medical Bills, Late Payments, Repossessions, Cell Phone and Utility Bills, Student Loans and Hard Inquiries.
Credit repair is about creating leverage against the alleged negative items on a credit report by compiling evidence that something (usually multiple things) about either WHAT is reporting (factual disputing) or HOW it was reported (METRO2 Compliance).
Each month, we send out a new round of attack letters, piling on to the evidence for why the credit bureaus or creditors should remove the challenged item, either because of a factual inaccuracy, a reporting violation or a violation of federal law, any of which can be grounds for removal.
How will I see the progress?
Several ways. We send regular updates about what we are doing, including what steps we are taking as what our clients should expect.
We also send each client a progress report each month showing the changes in credit score, how many negative items have been removed or updates, as well as a short list of tasks they can take to help improve their score.
Each client also receives access to their own Client Portal where they can see their current scores, dispute results and send messages back and forth to their account manager.
Trust us, there is a LOT of communication. You won't miss us for long before we are reaching out to you with another update.
How long does this service take?
We provide all our clients with an estimated time frame for service. In general, clients are usually with us from 6 to 12 months. This is just the usual time frame people choose to stay in our program. Since we do not charge deletion fees until we achieve results, we work to achieve those results as fast as possible.
We have a 98% success rate though increasing your credit scores by 40 to 100 points in 90 days or less.
What is our Success Rate?
We help delete over 80% on average inaccurate, outdated or unverifiable items from your credit report.
We have 98% success rate increasing your credit score 40 to 100 points on average on 90 days or less!
What are all the costs or fees involved?
For our credit repair or other services costs, please refer to our pricing page. This section will serve to inform you of all other associated costs. These costs may include:
A credit monitoring account. This will cost roughly $15-$30 per month
The first round of letters are included in the full credit consultation, the cost of each additional round of dispute letters is $65.00
Cancellation Fee $0.00
Our clients are always welcome to cancel at any time with no fee. All we ask is that we are allowed to do your final file review.
Do you have to mail your own letters?
NO!!! That’s insane. We are the experts and will do all the heavy lifting or you. Let us deal with all the credit dispute tactics while you sit back and build new credit with our education plan.
We are a full service credit restoration company to guide and help you succeed every step of the way.
Why do I have to prove my identity?
The simple answer is because the credit bureaus say so. Unfortunately, there is wording in the law to require you to give them information. If you don’t supply the proof of your identity and address, the bureaus will simply ignore your dispute and you will get nowhere. Below is a list of what can be used as proofs.
You must send at least two of the following:
Driver’s License
Social Security number
Cancelled Check
Utility Bill
Pay Stub
W2 Form
Lease Agreement
Bank Statement
How much will my score go up?
As much as we would like to, there is simply no way to know the answer to this question. There are far too many factors involved in the credit scoring model; the biggest variable being the “human factor”. We don’t know what you are going to do during this process. You might get new lates, max out credit cards, get new credit, get new collections, get a judgment placed against you, or one of hundreds of other things that would change the outcome of your service. REMEMBER! Creditfixx.io is hired only to help remove items from your report that you wish for us to work on, the score change is simply a byproduct of our service.
Is there any way to speed up the process?
Short and sweet… NO. . We would love for there to be a legal way to make things “disappear” in seven days. However, it just doesn’t exist.
How long do the bureaus have to respond?
Now for a little more detail… From the time the credit bureaus receive your dispute, they have 30 days to respond. This leads some people to believe that if it has been more than 30 calendar days, then they MUST remove those items. This is simply not the way it works. There are sections of the law that allow them additional time under certain conditions. This is a process and we are experts in identifying all the smoke screens the creditor and credit bureaus send to help maximize your deletion results.
What about “online” disputes?
Some companies try to speed up their service by using online disputes. There are a whole host of reasons NOT to do this. Additionally, you should never dispute online either. Here’s why:
When a dispute is entered online, it goes into EDRP or expedited dispute resolution process. This sounds great until you read a little further unto the FCRA. It clearly states that if a dispute goes into EDRP then the bureaus do not have to comply with certain sections of the FCRA.
Did you hear that? They get to ignore the law!
The sections they don’t have to comply with are also quite handy in the credit repair process. One section is the “Method of Verification” section. If an item comes back as verified, they don’t have to tell you “HOW” it was verified. Another section is the “Re-Insertion Letter” section. Usually, if an item is deleted, there are steps the bureau must follow in order to be able to re-insert that item. One of these steps is to send you a re-insertion letter before placing the item back on your report. The simple cost of creating and sending this letter drastically limits the amount of re-inserted items. If an item is processed under EDRP, THIS LETTER IS NO LONGER REQUIRED! They can just put the item back whenever they get good and ready.
Just take our advice… Don’t dispute online.
Why do I have to have a monitoring account?
Credit repair is kind of like getting your car fixed… The mechanic is going to need to see under the hood. You keeping a monitoring service is our way of looking under your proverbial credit “hood”. It allows us to see exactly what needs to be done and check up on the bureaus and creditors. When they say something has been changed, we want to make sure it is REALLY changed. Keeping a monitoring service is a requirement of our service.
Credit Repair FAQs
