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Frequently Asked Questions
Is credit repair possible?
Contrary to what the credit bureaus would like you to believe, credit
repair does work and can work for 100% of people in most circumstances.
This is, of course, provided you are getting the best advice and have an
experienced professional working on your case. Anyone with a credit score
below 720 can benefit long-term from the advice and information provided
through credit repair; however, there are times when your own limitations
make adhering to this advice impossible. The two limiting factors are: (1)
your financial situation and/or (2) the time-frame in which you need to
reach your results. It is possible to remove anything from a credit
report, even accurate items, if the creditor does not adhere to the law
that outlines what needs to be done within a specified time period.
What can you do that I cannot?
We act as your representative due to our working knowledge of
credit
scoring and experience working with creditors and
credit bureaus. It may
often be difficult for an individual to communicate with creditors and
bureaus without an adept understanding of their techniques and regulations
in place for credit reporting.
What is your warranty?
Our money-back warranty is easy to understand and is the best in the
business.
We will refund all monthly payments if we do not remove more than 25% of
all the negatives we work on, from all three major credit bureaus, within
six months from the time our services are retained.
In order for the warranty to apply, you must have at least four negatives
on the credit report at the time of sign-up and may not have used a credit
repair agency nor attempted to repair his or her credit two years previous
to our retainer.
Unpaid collections and unpaid charge-offs do not qualify
for the warranty. . Clients also agree to send updated reports from each
of the three credit bureaus to us within 5 days of receipt. Updated
reports should be received by the client every 15-45 days. It is the
client's responsibility to make us aware if updated reports have not been
received.
How long will it take to raise my score?
Through our services, 93% of our clients see FICO score increases of 10
points or more in the first 35 days. Over the full 180 day term of the
contract, the average FICO score increase is 50 points.
Why are your results different?
There are two sides to the credit score battle. Sometimes, your creditors
and the bureaus have done absolutely everything right and we have no case
against them. On average, First Choice Credit is able to remove 70% of the
negative items from a credit report.
Will the removed items come back?
Items cannot come back as long as the item is current or paid at the time
of removal or if the collection is older than three years. This holds true
except in very rare circumstances.
What items can you remove?
Through our services, we can normally remove the following: bankruptcies,
foreclosures, collections, charge-offs, repossessions, medical bills,
credit card debt, inquiries, late payments, old addresses, judgments, tax
liens, and student loans. Check your credit
reports.
What items can't you remove?
None.
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