FAQ | Credit Repair by Attorney | Rancho Cucamonga, CA, Upland, CA

FAQ

 
The amount of time it takes is different in every circumstance. Many of our clients see tremendous results within the first 30 - 45 days. Of course items like a bankruptcy or repossession take longer but any derogatory item can be removed. The progress of your case will also depend on you forwarding all correspondence to us as soon as you receive it.
 
 
An average of 70-90 points within the first 30-45 days. We have been as successful as 200 points on many occasions. There are many factors that affect a credit score besides derogatory items although derogatory items are usually the major factor. For example, length of credit history, types of credit, outstanding balances, even the number of inquiries.
 
 
The answer is easy, first off negative information will remain on your credit report for 7 to 10 years from the last date of activity and will cost you thousands of dollars in higher interest rates. Also it's embarrassing when you go to apply for financing and get turned down because of something on your credit file. Everything we do nowadays is somehow related to information contained in our credit file, renting a house, buying a car, getting credit cards, even getting a job. People are now getting turned down for jobs because of information contained in their credit file. By signing up with us you will save not only thousands of dollars in high interest rates, but the headache, stress and embarrassment of being turned down wherever you go.
 
 
Bankruptcies, collections, charge offs, foreclosures, repossessions, medical bills, credit card debt, inquiries, late payments, judgments, tax liens, child support cases, student loans & more.
 
 
There is not one type of derogatory item that cannot be removed from a credit report. Items like a bankruptcy or a repossession are more difficult to remove, but it is possible to remove them.
 
 
680 and above is considered "A" credit.
 
 
None. The worst we can do is not improve your credit or your score and you just take advantage of our money back guarantee. The best we can do is permanently delete all derogatory items off all three bureaus and improve your credit score tremendously and save you thousands in interest charges over the next several years.
 
 
35% Payment History 30% Account Utilization (balances being carried) 15% Length of Credit History 10% Types of Credit (mixture is best) 10% Inquiries (only first 10 count)
 
 
From 350 up to 850 points. 580 is where you start qualifying for loans, although the interest rates may be pretty high, over 680 points usually gets you a much lower interest rate.
 
 
Our first step will be to draft letters to challenge the creditors & the credit bureaus on your behalf. Credit Repair By Attorney uses the Fair Credit Reporting Act and/or The Fair Credit Billing Act when helping our clients improve their credit. The truth is you can do this on your own. It's the same thing as representing yourself in court. If you are in a car accident, you have the right to sue the opposing party for damages and represent yourself. Would you really do that if you wanted to win or would you hire an attorney that does it on a day-to-day basis and knows instinctively what to do when a problem arises. We do this a hundred times a month and know exactly what to say to get great results. A disputed credit listing must be accurately reported and verifiable for it to remain on the credit report. If the credit listing is not accurate or verifiable then it must be deleted. Because of our extensive knowledge of the Fair Credit Reporting Act we know that properly disputed credit items are easily removed. Anything that is on your credit report can legally be removed.
 
 
For an extra fee we will work on removing all the inquiries from your report.
 
 
Only if it is a credit card. Try to get your revolving credit balances to 50% of the credit limit or less. Paying collections usually decreases the credit score due to the date of the last activity becoming recent.
 
 
50% of the credit limit or less if possible, ideally as close to zero as possible, especially if you are planning to apply for credit in the near future.
 
 
In the long run yes, but in the short term it doesn't have much of an effect at all, unless the amounts have a balance listed in the "past due" section of the report. In that case I suggest to pay the balance in the past due column if it is less than two years old, but remember; whenever you make a payment on a collection or a charge off, the seven year clock starts all over again and the item will be reported for seven more years from the date of payment. If you never pay a collection then it will disappear seven years after the time you last made payment on the credit card that resulted in the collection.
 
 
NO, NO, NO. Closing credit cards will only decrease your score due to your debt ratio increasing as a result of the closed account and also can decrease the average length of time an account was open. Never close a credit card is the best advice you can give someone.
 
 
Even one late payment can sometimes get a person denied for new credit. There are many factors like income, credit history, balances being carried on credit cards and number of credit cards that can result in a denial even if you have almost perfect credit, but getting the derogatory items removed is the most important step you can take in increasing your chances of approval.
 
 
You will receive updated credit reports from all three credit bureaus after 30. At that time you will see what was deleted, omitted, and amended. You will also need to mail, fax or email copies of these reports to us so that we can continue working on the remaining items. You will actually know what was deleted before we do, which is why it is so important that you forward all credit bureau correspondence within a few days of receiving it Always forward front and back pages of the reports you have received.
 
 
Yes, unlike other Credit Restoration Firms, our money-back guarantee is easy to understand and is the best in the business. Credit Repair by Attorney agrees to give a refund to our Client after 12 months if you are not completely satisfied for any reason, provided you follow all the instructions on the sign up form and return all correspondence you receive from the creditors within ten days of their receipt. There will be a processing fee per client and a fee per item successfully removed or corrected taken out of what you paid.
 
 
Although the credit bureaus would like to have you think that our service is illegal, they are wrong. Fixing your credit is your right under Federal Law and we at Credit Repair by Attorney will make sure that your rights are invoked to their fullest extent. You have the right to disagree with the results on your credit report just as you have the right to plead "not guilty" in a court of law.
 

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