Is
Credit Repair legal?
Credit
repair is 100% legal. According to the Fair
Credit Reporting Act, you
as a consumer have the right dispute any information
on your credit report.
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Can
I quickly improve my score to be approved for a loan?
Our
Score Booster is a new, exciting program developed by
our credit gurus specifically with you in mind. Using
specifically designed techniques, we are able to quickly
boost your score by as much as much as 150 points in
15 days*.
(*
Numbers based on actual results of our clients – individual
results may vary)
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Is
it possible to permanently delete items?
Under
the Fair Credit Reporting
Act, credit bureaus must
verify that each item listed on your reports is 100%
accurate and verifiable. Also by law, they have 30 days
to complete their investigation. Should the credit bureaus
fail to comply with these conditions, by law they must
permanently delete the item from your credit reports.
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Is
Credit Repair for me?
Everybody,
at some point in their lives, will be affected by their
credit score. Whether you need to repair your credit,
build and establish credit, or protect your good credit
from identity theft, we have a program for you.
A complete
listing of our various services can be found on our
products page.
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How
can I obtain my credit reports and credit score?
Under
the Fair Credit Reporting
Act, credit bureaus now
must provide consumers with their credit report once
a year, free of charge. Through The Credit Advisor’s
program, we will provide you with credit reports from
each of the three bureaus approximately every 30 days,
free of charge.
Unfortunately,
your credit score is maintained by these credit bureaus,
which are private companies. They keep your score under
lock and key and charge fees every time you wish to
view it.
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What
if you are unable to help me?
At
The Credit Advisors, we pride ourselves on our ability
to provide our clients with quality, effective service.
We believe you shouldn’t have to settle for anything
less, which is why we offer a risk-free warranty
for our services. If for any reason
we are unable to provide results, you won’t have to
pay.
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Can
I repair my own credit?
Absolutely!
Consumers can fix their own credit. It is every consumer’s
right based on the Fair
Credit Reporting Act. With
time and research, you would be able to do some of what
our credit specialists do.
Fixing
your credit on your own is much like representing yourself
in court. While citizens have the right to represent
themselves, many opt to hire an attorney who is more
familiar with the legal system and has experience arguing
cases.
Also,
the amount of time and follow-up required in the credit
repair process is considerable. At the Credit Advisor,
we have trained credit specialists who do the work for
you, so you can spend more time doing what you enjoy.
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How
long does the service take?
The
time-frame for our services varies depending on which
service you receive.
Our
Credit Repair, Inquiry Removal, Personal Information
Correction and ChexSystems Services usually take between
six to twelve months. Most clients are finished within
six months, but certain more difficult items can take
up to one year. If you wish for us to continue working
on any item that still has not been deleted after one
year we will do so.
Score
Boosters take 15 to 30 business days, depending on the
nature of your account.
A description
and cost of each of our products can be found on our
products
page.
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How
much does the service cost?
A description
and cost of each of our products can be found on our
products
page.
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