Can bankruptcies be removed?
We generally tell our clients they shouldn’t expect their bankruptcy to be removed. This is simply because, bankruptcies are public records, and tend to be in most cases the most difficult to remove if they are still within 7 years.
Our service has been known to remove them with an impressive 35% success rate. Knowing what to do after you have filed for bankruptcy however is more important. Ask your representative for details.
Our advice is if you have a bankruptcy on your credit record, you still will benefit greatly from our service due to the removal of so many other negative items on your report.
However, please understand there is no way to guarantee the removal of such a serious public record—no one can. Any company or individual who promises to remove your bankruptcy (assuming it is recent and has not legally expired) is not being honest with you. We understand and practice every legal method possible—and we know credit repair.
How do you restore bad credit?
Once we have your credit reports, we dispute the credit reporting agencies, court house, and creditors or lenders on your behalf. Any information the agencies or creditors cannot verify is removed. Any dispute not responded to within the allowed response time is removed.
Probably sounds easy, but if you ask someone who has attempted to dispute their own credit, they will tell you it’s actually not. According to federal law, the credit agencies can ignore your dispute under a variety of conditions. A large percentage of dispute letters sent directly from consumers are rejected under one credit agency pretext or another. This makes it a very time consuming and frustrating task.
After we dispute your negative credit, a new copy of your credit report will be sent to your address showing any deletions or improvements. When you receive your new copy you’ll send us the updated version of your credit report, so we can continue disputing the remaining negative items.
Any accurate and verifiable information will remain on the credit report. All too often, disputed credit items cannot be verified or in many instances the creditor will not respond to our dispute due to our approach and the negative item is removed.
How long does it take after I sign up to receive my credit reports?
There is no definite answer. We provide you with up to 6 months of service to ensure that you receive the highest quality of results. We typically suggest that you will receive your reports within 60 days of signing up. If you do not, you can always contact a representative or email us for an update of your service.
There is no definite answer. We provide you with up to 6 months of service to ensure that you receive the highest quality of results. We typically suggest that you will receive your reports within 60 days of signing up. If you do not, you can always contact a representative or email us for an update of your service.
I just signed up, what happens now?
Within 3 to 5 business days from the time you sign up, we will obtain a copy of your three credit reports (which is already included in our fee for no additional charge). Our specialists will begin working with the credit bureaus toward removing the negative items from them.
Please understand that credit repair is a 6 month process depending on your situation. Approximately 60 days from the time you sign up you will receive a new, updated copy of your credit reports from the credit bureaus (Transunion, Equifax & Experian).
When you receive all three of your updated credit reports, just slip them into an envelope and mail them to us so we can continue to work for you toward repairing your credit. All you have to do is continue to send the updated copies of your reports as you receive them. If you have access to a fax machine you may also send your files to us via fax as well.
Many companies do not allow you to fax your reports, however, we believe in keeping the process as simple as possible for you. If it is more convenient, you may fax your updated reports to us as your receive them throughout your entire service, 24hrs a day.
Are all credit reporting agencies 3 important?
Each one of the three major credit bureaus will reflect at least one-third of your total credit history. If you are requesting a credit card, someone can look at your Equifax report and find nothing that would keep the credit card company from issuing you the card.
However, they might also look at your other reports, Transunion and Experian, and find flaws in your credit file. That’s why it is extremely important to use a credit repair service that repairs not one, but all three of your bureaus. (Including CSC)