Questions & Answers
Can I do this myself?
What can you delete?
Can you remove every item?
Will my credit report improve
About credit report repair
How are negative items removed?
Is repairing my credit legal?
Does paying off bills repair credits
Can you really clear my credit?
How long does it take?
Is my information is safe?
Can I do this myself?
Yes, you have the right and privilege to do this yourself, just as it is your right to represent yourself in court. However, the Credit Bureaus know that the average consumer does not know the laws governing this process or comprehend the amount of time and determination it will take. The vast majority of our clients are consumers who have attempted to do this on their own and could not achieve the desired results. They find that our experience is much more successful in removing negative items from their credit report.
Can you remove every item?
We have had excellent success in deleting negative credit from our clients' credit reports. We use every legal remedy available under the law on your behalf. No one can honestly guarantee you that every negative item will be removed. If that were possible, consumers would never have to be concerned about maintaining good credit again.
Will my credit report improve?
Yes. Our experience includes knowledge of lots of factors that lenders look at when making credit decisions. We use that experience to ensure your reports are presented in the best possible light.
Is repairing my credit legal?
Surprisingly, this is the number one question we are asked. Credit Repairs Unlimited is 100% legal. In fact, the government recognized that many consumers were being financially burdened because errors were appearing on their credit reports. As a result, the government passed the Fair Credit Reporting Act (FCRA), which allows consumers to legally challenge information on their credit report on the basis of completeness and accuracy. The government has also passed an act, which authorizes a third party to assist you in challenging inaccurate credit reports. Credit Repairs Unlimited is in fully complies with this act.
How are negative items removed?
The credit bureaus and financial institutions must comply with over 200 legal provisions when reporting information on your credit reports. They commonly fail to follow The Fair Credit Reporting Act and Fair Debt Collection Practices Act. When this happens, we demand the removal of information that was illegally added to your credit reports. When the credit bureaus and creditors realize that they have been caught violating these laws, they would rather change the information on your reports than risk a lawsuit or a fine.
Can you really clear my credit?
Through years of experience in dealing with the credit bureaus, financial institutions and collection agencies, we have developed relationships with these groups that enable us to get things done. They have learned that we know the credit laws and can enforce those laws for our clients. The credit bureaus don't want to be fined for not following these credit laws and the banks and collection agencies can also be fined or put out of business if they are caught violating consumers' rights. Through diligent follow up, these groups have learned that we will enforce the law and their business can suffer greatly if they ignore our demands.
Does paying off bills repair credit?
Paying off your bills is a step towards better credit. However, the credit reporting system doesn't recognize it. When you pay an old debt, the negative credit listing doesn't disappear. In fact, it may reactivate the seven-year reporting clock of that negative listing.
How long does it take?
Each case is unique. The speed of progress will depend on your participation, the nature of your case and the level of credit bureau cooperation. We do, however, work on your case for a full twelve months if required, although we anticipate results within 3-9 months.
Is my information is safe?
Under the powerful attorney client privilege any information disclosed to Credit Repairs Unlimited: will remain private. As our client you have the ability to share any necessary information without any hesitation.
