Frequently Asked Questions
What areas do you service?
We are licensed to provide credit repair services throughout the state of New Mexico. If you live outside of the state, please phone us and we will let you know if we are able to assist you based on the scenario. When it comes to credit repair, each state has its own set of rules.
How much do you charge for credit repair?
We are one of the few businesses that uses a correct expense model. We don’t bill on a monthly basis because companies who do so usually prolong the interaction in order to build up their invoices to you. That is an unworkable situation that we prefer to avoid. We offer an assortment of bundles to look over, and which one is best for you relies upon your present circumstance and objectives. Call us for a free meeting and we’ll give you our well-qualified assessment on what’s best for you.
Do you only dispute a certain number of negatives per month?
No. We see no reason to postpone your acknowledgement fix because we charge a proper one-time fee. From that point forward, it is in our best interests to provide you with the most comprehensive support in the shortest time possible. Without mentioning names, some of the larger credit repair firms that charge monthly fees only discuss two or three things per month, hauling your monthly costs and outcomes out. That is not something we do. Every month, we chase every negative aspect, ensuring that you get through the cycle as quickly as possible. It’s a moral decision, but it’s also a profitable one, as far as we can determine – our customers are happier, and they refer additional consumers to us, supporting our business’s growth.
Do you guarantee improvements in credit score?
We have a very high success rate in assisting our clients in improving their credit ratings. That being said, we are legally not authorized to make guarantess in this service industry – us or any other legitimate organization. However, we can confidently predict that we will be able to significantly enhance your credit score.
How long does all of this take?
There is no definitive answer to this question. Each person’s situation is one-of-a-kind. We’ve seen huge improvements in FICO scores in under 90 days, but we’ve also seen cases where the client’s credit was so bad and full of errors that we had to spend several months repairing everything. Whatever the case may be, what matters is the message we send.
Couldn’t I just do this myself for free?
It’s possible. We’ve developed very focused discussion letters for every case and type of negative thing under the sun throughout time, vastly increasing the likelihood of really long-lasting cancellations when compared to normal letters most people write for themselves. After all, if you’re constantly on the move and need to save money, doing it without spending any money is a good idea. Our typical customer wishes to obtain a home loan as well as a vehicle advance, as well as lower financing costs on Visas and other credit cards. Such folks would like to go through a modest investment to guarantee the activity gets finished as swiftly and efficiently as could really be predicted, as the reserve money in concern are in the numerous thousands and it does not merit the danger to do it without anyone’s help.
Am I expected to do anything?
We need that you transmit us updated credit reports in some format (often via score trackers) and that you submit us any responses to the Bureaus’ debates that they send you. Otherwise, we’ll take care of everything.
Is this process legal and ethical?
Indeed. Albeit the Bureaus would extraordinarily would rather that you accept in any event so they don’t need to manage debates, you are engaged under the Fair Credit Reporting Act (FCRA) to question any data on your credit reports. Credit repair is a legal business that is regulated by the Credit Repair Organizations Act (CROA).
Is this process legal and ethical?
The “Departments,” TransUnion, Equifax, and Experian, are publicly traded companies that store financial data about you, similar to Walmart or Amazon. Banks and other lending specialists pay them a yearly fee to get access to this information as credit reports, which helps them make better decisions about who to lend money to, who to deny, who to give reduced financing costs to, and who to charge higher loan fees to. This is why you must guarantee that any data the Bureaus have about you is accurate and as complementary as possible. That’s where we’ll be arriving!
Still Have Questions?
Don’t hesitate to reach out to us anytime