412-701-9815
hillandlevy@gmail.com
Have Questions About Our Credit Repair Services? Find Answers To Most of Your Questions Here!
It typically takes 60-90 days to remove items from your credit report. When we initiate the process, they have time to respond. This is why it is not instant. If we do not hear from them after 3 weeks of submitting your file, we start the process again. Keep in mind that by law, they must respond within 30 days.
If the credit bureaus have not contacted you and it’s been more than 30 days please send us an email letting us know. Due to COVID-19 response time is slower, but we will follow up and demand a response immediately. This is in compliance with Federal Law.
Yes we remove items from all 3 bureaus, but we charge you only per account not per bureau.
That is absolutely fine. We work alongside other credit repair companies if necessary and also after. It doesn’t have any negative effect on the client at all. In fact, in some cases it may help.
This is a huge issue with all of the bureaus. They report incorrect information all the time. They do not fact check before reporting and there are laws to protect you against that. That’s where we come in. We get those items off and help restore your credit.
Deleted items usually come back only after the creditor has sold the debt to a collection agency. Then that collection agency has the right to report that information to your credit report. However, they must operate under a strict set of laws. 95% of them don’t, and we get it off again!
If after 120 days the item does not come off any of the 3 credit bureaus, we will refund you for that item.
We can remove collection accounts, repos, foreclosures, credit cards, loans, charged-off debts, lines of credit, medical bills, child support, liens, judgements, and we can also take off credit inquiries.
No, bankruptcies cannot be removed from your credit report if they are accurate. According to credit reporting laws, all information on your credit report must be factual. If a bankruptcy is correctly reported, it will remain on your report for a set period (typically 7-10 years).
We can not delete individual late payments. If the account is something a client needs/wants removed, we can delete the entire account.
If items do belong to you, we can still remove them. The credit bureaus and creditors have the burden of proof . . . not you!
Tradelines are credit cards or loans that report to our credit report. Tradelines that belong to you directly boost your credit score.
You have some options. You can:
● sue them in federal court for your actual losses or for what you paid them, whichever is more
● seek punitive damages — money to punish the company for violating the law
● join other people in a class action lawsuit against the company, and if you win, the company has to pay your attorney’s fees
Yes, there are several credit repair practices that are prohibited under the Credit Repair Organizations Act (CROA). These include tactics that mislead the credit bureaus or lenders or attempt to hide accurate negative information on your credit report. Some examples of credit repair practices that violate the CROA include:
● Creating a new credit identity: Some illegitimate companies may suggest that you can start fresh by using a credit privacy number (CPN) or an alternate Social Security number. This practice is illegal, as using false information to apply for credit is considered fraud.
● Disputing everything on your credit report: While it’s legal to dispute inaccurate information on your credit report, it’s illegal to dispute negative but accurate items in an attempt to remove them.
● Filing false identity theft reports: Credit bureaus are required to remove fraudulent information resulting from identity theft. However, filing false identity theft reports to have legitimate negative items removed is illegal.
It’s essential to work with a reputable credit repair service that follows the law and ensures transparency in its processes. Engaging in these illegal practices could result in significant legal consequences, and in some cases, it could worsen your credit situation.
we have been in business for over 5 years, and our experienced team works with intelligence and an efficient approach to go over the specific details of your credit history and help recover your credit.
Copyright 2024. All rights reserved.
