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--What if items reappear?--
This happens occasionally either by accident or a
creditor has eventually verified a particular item. This
is what is known as a 'soft delete'. The FCRA (Fair
Credit Reporting Agency) has made it much more difficult
for a creditor to replace an item once it has been
removed. Credit Restoration Specialists will
re-challenge the item with the full force of the prior
removal in our favor.
-- Is this legal? --
Yes, you are given the right under the Fair Credit
Reporting Act (FCRA), including the right to challenge
inaccurate, misleading and obsolete items appearing on
your credit report. Credit Restoration Specialists uses
every venue available to you under the law to help you
assert these rights.
Disputing items on your credit report is your legal
right (see the Fair Credit Reporting Act). When you use
Credit Restoration Specialists to help repair your
credit, we are abiding by and using all federal and
regional laws regulating third party credit repair
assistance.
-- What is my credit score based on? --Credit
scoring is based on many factors that may include:
Amount of available credit
Payment history
Recent requests for credit
Amount of credit currently being used
Length of credit history
Under the Equal Credit Opportunity Act, credit scoring
may not use gender, marital status, national origin,
race, or religion as factors.
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-- How can bad credit be deleted? --
Negative credit listings are deleted from peoples'
credit reports each and every day!
Credit Restoration Specialists is hard at work every day
challenging damaging and questionable credit entries on
behalf of its clients. Utilizing proven and absolutely
legal methods, Credit Restoration Specialists is a
professional organization working for you and your
credit.
-- Why do I need to pay my bills? --
When we delete a negative credit report listing, the
actual debt remains. You still owe the same amount of
money that you owed to begin with. If you don't pay the
debt, the creditor or collection agency could always
report the item again. So removing the listing without
addressing the debt is only a temporary solution.
-- How much does bad credit cost? --
The cost of credit repair is small compared to the cost
of living with bad credit.
Below are a few examples of the cost of bad credit.
If you are making vehicle payments, you are most likely
paying between $4,000 and $10,000 more over the course
of the loan just for having credit score issues. This
added interest shows up every month in a higher
payment.
-- How long does it take? --
Everyone wants you to see results immediately. Although
everyone's credit history is different, most people will
see progress within the first 45 days of our service.
The majority of time is spent waiting for the credit
bureaus to respond to requests. We take great effort in
getting our disputes to the bureaus as fast as possible.
As a reference, the average person with 7-10 inaccurate,
misleading or obsolete items on each credit report
should be prepared for a 4 to 12 month commitment.
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-- How do you restore bad credit? --
Once we've received your credit reports, we will analyze
your credit history to identify items that are
responsible for bringing your credit score down. Then we
will draft letters to dispute these negative items on
your behalf. Although we encourage consumers to dispute
their own credit if they have the time and knowledge to
do so it is important to note that, according to federal
law, the credit bureaus can ignore your dispute under a
variety of conditions. In our experience, a large part
of dispute letters sent directly from consumers are
rejected for one reason or another. Credit Restoration Specialists letters are expertly designed such that
credit bureaus will accept the dispute and conduct an
investigation.
A disputed credit listing must be verified as accurate
for it to remain on the credit report. If the credit
listing contains an error, the credit bureau may simply
correct the item. Quite often they are unable to verify
because the creditor no longer possesses the necessary
information or they do not put forth the effort to
verify it. Furthermore, the investigation must be
completed within 30 days or the listing must be removed.
For these reasons, properly disputed credit listings are
removed from your credit report with remarkable
frequency.
At the conclusion of the credit bureau's investigation,
a new copy of the credit report is sent to you along
with any deletions or improvements. You then provide us
with a copy of the new credit report and the cycle
repeats itself at strategic intervals.
Each time an investigation is initiated, the odds of
receiving a particular deletion increases.
-- Do you guarantee results? --
By law, no company can guarantee that they can
have items removed from your credit reports, but we
stand behind our services and our commitment to help you
restore your financial freedom. If you feel you do not
see results, we will evaluate your account and you may
be eligible to receive a portion of your money back if
appropriate progress with your case has not been made.
We want to assure you that our goal is truly to remove
negative / disputed accounts from your credit reports
and if we’re unable, we will gladly remit that portion
of your money that is not a hard cost that has already
been expensed. It’s as simple as that.
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