Frequently Asked Questions about Credit Repair

Question #2:
How long does it take to repair a person's credit?

Answer:
Nearly all of our clients have seen positive results within the first 45 days of our review of your credit reports, however some more severly damaged credit does take much longer. Understanding the timeline the 3 major credit bureaus use will be imperative to your understanding of how quickly your credit will improve. Credit bureaus have 30 days to investigate inquiries and reply.

Our goal is for you to see results as quickly as possible. After all, we have been where you are and realize how important it is to restore your credit standing. Each client's credit circumstances are different, individual results and timelines may vary.

Question #3:
How much will repairing my credit cost?

Answer:
As little as 149$- $695 per couple for the initial set-up, thereafter if necessary 49.95 month each until you are completely satisfied.
You can save many hundreds, and even many thousands, of dollars in unfair interest charges by engaging Dedicated Credit Repair to repair your credit today!!!
With Dedicated Credit Repair, you can save a great deal of money instead of paying an expensive legal firm to do the work for you.
Credit repair costs can be truly reasonable when considering the price of bad credit. The savings enjoyed by those with good credit greatly offset credit repair fees.
Trust our individual and personalized services to help get your credit repaired today!

Question #4:
What does it mean to enroll?

Answer:
At Dedicated Credit Repair, our ultimate goal is to restore your credit and increase your quality of life through the improved purchasing power of a higher credit score. With that in mind, we carefully evaluate your situation through a thorough investigation of your credit circumstances.

Since it is our desire to provide with excellent service and a fast turnaround, we must "set-up and enroll" you properly.

Question #5:
How does the process of restoring my credit work?

Answer:
Our consultants are fully versed with the laws that protect consumers from information that gives potential lenders inaccurate representations of you. Our advocacy of the Fair Credit Reporting Act and other applicable laws as well as our expertise and experience afford proven methods for restoring your credit.

Understanding your role in the process is critical. Timely information from you will help us to help you more quickly. Each investigation, challenge, or audit may result in a favorable change in your credit through a series of bureau contacts and clarity on the laws protecting consumers.

Question #6:
Can bankruptcies be deleted?

Answer:
Federal laws also protect lenders. It will be important for you to recognize that bankruptcies are routinely removed from credit reports according to dates of discharge. They may remain on your report anywhere from 7-10 years depending on the type of bankruptcy filed.

This by no means implies that they cannot be deleted sooner. It only means the bureaus look to remove them after about 10 years. Dedicated Credit Repair investigations have been able to remove numerous bankruptcies from individual credit files.

Dedicated Credit Repair helps restore your bad credit or poor credit by correcting or deleting tax liens, charge offs, bankruptcy, late payments, collections, medical bills, old accounts, erroneous accounts, delinquent accounts, bad accounts, and negative accounts.

Question #7:
Do you charge in advance?

Answer:
No.

We believe so strongly in our advocacy that one our main programs we do not charge you unless we have been successful in our guarantee and only then after the set up and guarantee period of 90 days are you on a credit repair for fees basis of $49.95 monthly.

Dedicated Credit Repair can remove from your credit report:

Repossessions
Judgements
Late Payments
Collections
Bankruptcies
Charge-Offs
Student Loans
Inquiries
Foreclosures
Tax Liens
and more.

Question #8:
Will I be tied into an exclusive contract?

Answer:
No. We will repair, update, and delete erroneous, inaccurate and derogatory accounts from your credit bureau. If at any time for any reason you would like to discontinue our services, simply contact us and we will stop immediately.

We're here to help you repair your credit. We hope to guide you on the path to fixing errors from the past. Our personalized service can assist you in targeting reasonable things you can do to improve your scores and pay down debts along the way. Enrollment let's you take advantage of our expertise in repairing your bad credit and getting items deleted from your credit report.

Question #9:
What is a credit score and what kinds of information are on my credit report?

Answer:
A credit score is a number between 350 and 900 that is found on your credit report. This number advises lenders of your credit worthiness.

Your credit report will contain information on your credit history, address history, active and inactive accounts, derogatory items such as collections, liens, and late payments. It will also indicate your limits and balances and determine what kind of spending habits you have and if you are a risk for repayment to lenders.

Credit history or credit report is, in many countries, a record of an individual's or company's past borrowing and repaying, including information about late payments and bankruptcy. The term "credit reputation" can either be used synonymous to credit history or to credit score.

When a customer fills out an application for credit from a bank, store or credit card company, his or her information is forwarded to a credit bureau, along with constant updates on the status of his or her credit accounts, address or any other changes you may have made since the last time he or she applied for any credit.

This information is used by lenders such as credit card companies to determine an individual's or entity's credit worthiness; that is, determining an individual's or entity's means and willingness to repay an indebtedness. This helps determine whether to extend credit, and on what terms.

Question #10:
Who looks at my credit report?

Answer:
Many people can view your credit report from lenders to insurance companies to potential employers.

A thorough background check on an individual may result in access your credit report.

Essentially, anyone who has a permissible use can obtain and view a copy of your credit report.

Where it once was only credit grantors who were interested in your credit report today it is used for many additional purposes and is often viewed as a measure of your character. It is increasingly common for insurance companies to review your credit before extending auto or health insurance. In the same vein, many employers now check your credit before they consider you for a position. If you rent, you have probably already experienced a credit check to determine your worthiness as a renter... and the list goes on.

Here at Dedicated Credit Repair, only our processing staff and management are permitted to look at your actual report unless you request otherwise.

Question #11:
Can bad credit items really be deleted?

Answer:
Yes! Bad credit items can be deleted as long as we are able to establish a case that demonstrates that the credit grantor or the credit reporting agency itself has been responsible for outdated, inaccurate, unverifiable, misleading or obsolete information, items can be removed and/or deleted from your file raising your credit score by getting rid of bad credit items.

These are just some of the items that Dedicated Credit Repair can help to remove from your credit report:

Repossessions
Judgements
Late Payments
Collections
Bankruptcies
Charge-Offs
Student Loans
Inquiries
Foreclosures
Tax Liens
and more.

Question #12:
What kind of items CAN be removed from my report?

Answer:
Anything on your credit report that is misleading, obsolete, inaccurate, unverifiable, erroneous or outdated is subject to investigation and potential removal. Again, each client's circumstances are unique so it becomes impossible to guarantee that absolutely all negative information will be removed from your credit report.

Dedicated Credit Repair will work to remove all negative items from your credit report.

Question #13:
Can I restore my own credit?

Answer:
Yes, you can restore your own credit. Just as in a court of law, you may represent yourself. This may or may not be a good idea if you want to restore your credit.

Having an experienced advocate who is well versed in the process of restoring credit (much like being represented by a lawyer in court) may be the fastest way to achieve results.

Let Dedicated Credit Repair help you get a new lease on life.




	Why is a credit score so important? How long does it take to repair a person's credit? How much will repairing my credit cost? What does it mean to enroll? How does the process of restoring my credit work? Can bankruptcies be deleted? Do you charge in advance? Will I be tied into an exclusive contract? What is a credit score and what kind of information is on my report? Who looks at my credit report? Can bad credit items really be deleted? What kind of things can be removed from my report? Can I restore my own credit?
Question #1: Why is a credit score so important? Answer: Credit scores are the industry standard in determining credit worthiness. The lower the score the harder it is to obtain funding. In cases where credit scores are higher, lenders not only offer competitive interest rates, but often offer incentives which save you money and increase your buying power. Increasingly, credit scores are being used for purposes other than determining whether you will default on a loan or make late payments. For example, some insurers are using low credit scores as indicators to identify individuals they believe are more likely to make claims against their insurance policies. These insurance companies maintain that there is a correlation between poor credit and filing multiple insurance claims. An accurate credit score can make the difference not only in interest rates charged on loans, but also on the availability and cost of insurance, an important essential for most families. Credit scoring takes a total picture of a person's creditworthiness. Scores analyze a credit history, in comparison to other debtors, and gauge the likelihood of financial risk. The higher the score, the better the credit history and the higher the probability that the loan will be repaid on time. When creditors report an excessive number of late payments, or trouble with collecting payments, a "hit" on the score is suffered. Similarly, when adverse judgements and collection agency activity are reported, even bigger "hits" on this score are suffered. Repeated hits can lower the score and trigger what is called a negative credit rating or adverse credit history. Question #2: How long does it take to repair a person's credit? Answer: Nearly all of our clients have seen positive results within the first 45 days of our review of your credit reports, however some more severly damaged credit does take much longer. Understanding the timeline the 3 major credit bureaus use will be imperative to your understanding of how quickly your credit will improve. Credit bureaus have 30 days to investigate inquiries and reply. Our goal is for you to see results as quickly as possible. After all, we have been where you are and realize how important it is to restore your credit standing. Each client's credit circumstances are different, individual results and timelines may vary. Question #3: How much will repairing my credit cost? Answer: As little as 149$- $695 per couple for the initial set-up, thereafter if necessary 49.95 month each until you are completely satisfied. You can save many hundreds, and even many thousands, of dollars in unfair interest charges by engaging Dedicated Credit Repair to repair your credit today!!! With Dedicated Credit Repair, you can save a great deal of money instead of paying an expensive legal firm to do the work for you. Credit repair costs can be truly reasonable when considering the price of bad credit. The savings enjoyed by those with good credit greatly offset credit repair fees. Trust our individual and personalized services to help get your credit repaired today! Question #4: What does it mean to enroll? Answer: At Dedicated Credit Repair, our ultimate goal is to restore your credit and increase your quality of life through the improved purchasing power of a higher credit score. With that in mind, we carefully evaluate your situation through a thorough investigation of your credit circumstances. Since it is our desire to provide with excellent service and a fast turnaround, we must "set-up and enroll" you properly. Question #5: How does the process of restoring my credit work? Answer: Our consultants are fully versed with the laws that protect consumers from information that gives potential lenders inaccurate representations of you. Our advocacy of the Fair Credit Reporting Act and other applicable laws as well as our expertise and experience afford proven methods for restoring your credit. Understanding your role in the process is critical. Timely information from you will help us to help you more quickly. Each investigation, challenge, or audit may result in a favorable change in your credit through a series of bureau contacts and clarity on the laws protecting consumers. Question #6: Can bankruptcies be deleted? Answer: Federal laws also protect lenders. It will be important for you to recognize that bankruptcies are routinely removed from credit reports according to dates of discharge. They may remain on your report anywhere from 7-10 years depending on the type of bankruptcy filed. This by no means implies that they cannot be deleted sooner. It only means the bureaus look to remove them after about 10 years. Dedicated Credit Repair investigations have been able to remove numerous bankruptcies from individual credit files. Dedicated Credit Repair helps restore your bad credit or poor credit by correcting or deleting tax liens, charge offs, bankruptcy, late payments, collections, medical bills, old accounts, erroneous accounts, delinquent accounts, bad accounts, and negative accounts. Question #7: Do you charge in advance? Answer: No. We believe so strongly in our advocacy that one our main programs we do not charge you unless we have been successful in our guarantee and only then after the set up and guarantee period of 90 days are you on a credit repair for fees basis of $49.95 monthly. Dedicated Credit Repair can remove from your credit report: Repossessions Judgements Late Payments Collections Bankruptcies Charge-Offs Student Loans Inquiries Foreclosures Tax Liens and more. Question #8: Will I be tied into an exclusive contract? Answer: No. We will repair, update, and delete erroneous, inaccurate and derogatory accounts from your credit bureau. If at any time for any reason you would like to discontinue our services, simply contact us and we will stop immediately. We're here to help you repair your credit. We hope to guide you on the path to fixing errors from the past. Our personalized service can assist you in targeting reasonable things you can do to improve your scores and pay down debts along the way. Enrollment let's you take advantage of our expertise in repairing your bad credit and getting items deleted from your credit report. Question #9: What is a credit score and what kinds of information are on my credit report? Answer: A credit score is a number between 350 and 900 that is found on your credit report. This number advises lenders of your credit worthiness. Your credit report will contain information on your credit history, address history, active and inactive accounts, derogatory items such as collections, liens, and late payments. It will also indicate your limits and balances and determine what kind of spending habits you have and if you are a risk for repayment to lenders. Credit history or credit report is, in many countries, a record of an individual's or company's past borrowing and repaying, including information about late payments and bankruptcy. The term "credit reputation" can either be used synonymous to credit history or to credit score. When a customer fills out an application for credit from a bank, store or credit card company, his or her information is forwarded to a credit bureau, along with constant updates on the status of his or her credit accounts, address or any other changes you may have made since the last time he or she applied for any credit. This information is used by lenders such as credit card companies to determine an individual's or entity's credit worthiness; that is, determining an individual's or entity's means and willingness to repay an indebtedness. This helps determine whether to extend credit, and on what terms. Question #10: Who looks at my credit report? Answer: Many people can view your credit report from lenders to insurance companies to potential employers. A thorough background check on an individual may result in access your credit report. Essentially, anyone who has a permissible use can obtain and view a copy of your credit report. Where it once was only credit grantors who were interested in your credit report today it is used for many additional purposes and is often viewed as a measure of your character. It is increasingly common for insurance companies to review your credit before extending auto or health insurance. In the same vein, many employers now check your credit before they consider you for a position. If you rent, you have probably already experienced a credit check to determine your worthiness as a renter... and the list goes on. Here at Dedicated Credit Repair, only our processing staff and management are permitted to look at your actual report unless you request otherwise. Question #11: Can bad credit items really be deleted? Answer: Yes! Bad credit items can be deleted as long as we are able to establish a case that demonstrates that the credit grantor or the credit reporting agency itself has been responsible for outdated, inaccurate, unverifiable, misleading or obsolete information, items can be removed and/or deleted from your file raising your credit score by getting rid of bad credit items. These are just some of the items that Dedicated Credit Repair can help to remove from your credit report: Repossessions Judgements Late Payments Collections Bankruptcies Charge-Offs Student Loans Inquiries Foreclosures Tax Liens and more. Question #12: What kind of items CAN be removed from my report? Answer: Anything on your credit report that is misleading, obsolete, inaccurate, unverifiable, erroneous or outdated is subject to investigation and potential removal. Again, each client's circumstances are unique so it becomes impossible to guarantee that absolutely all negative information will be removed from your credit report. Dedicated Credit Repair will work to remove all negative items from your credit report. Question #13: Can I restore my own credit? Answer: Yes, you can restore your own credit. Just as in a court of law, you may represent yourself. This may or may not be a good idea if you want to restore your credit. Having an experienced advocate who is well versed in the process of restoring credit (much like being represented by a lawyer in court) may be the fastest way to achieve results. Let Dedicated Credit Repair help you get a new lease on life.