Does paying my bills restore my bad credit?
You would think that would be true. But, again, the credit reporting system just doesn't work that way. When you pay an old debt, the negative credit listing doesn't disappear. Once paid, it may appear on your credit report as a paid delinquency, charge off or collection (whatever the case may be.) That is, you won't get very far paying your debts unless you also work to restore your credit at the same time.
What if deleted items reappear on my credit report?
On occasion, a negative listing that was recently deleted may eventually be verified by the creditor. The Fair Credit Reporting Act requires that the credit bureau inform you before the re-report a previously deleted listing. The FCRA also makes it more difficult for credit bureaus to re-report listings. Because of these factors, it is fairly rare for listings to come back on once they've been deleted.If a questionable credit item is re-reported, it is a simple matter to challenge the listing again at a future time to press for permanent deletion.
Do I need to see my credit reports first?
Most people request a copy of their credit reports after they have been denied credit. Most don't even know what questionable negative listings are likely appearing on their credit report. One amazing thing about bad credit is that almost any small amount of bad credit will trigger credit denial. A little bad credit isn't much better than a ton. So, if you believe that there might only be a couple of questionable negative listings on your credit report, it still makes sense to retain us for the time it takes to remove them.
In any case, if your credit comes back all positive or you decide all items are accurate and verifiable, we generally refund any fees.
How do I get updates on casework?
Credit reports will arrive first at your home and then you will forward photocopies of them to us. So, when we accomplish deletions and improvements, you will see them first on your credit report. Additionally, you are always welcome to call or email your personal credit advisor and request an update of the progress of your case.
How long does credit repair take?
It is inappropriate for any legal credit repair service to promise a particular result within a certain time frame. We can no more do that than we could promise a client that he or she would prevail in a court of law. Though we can give you an idea as to how we have performed in the past, your personal experience may vary. When credit reports are promptly sent to us, many clients have seen exhilarating progress within the first 60 days.
Statistically, our participating clients have seen an average of 8.7 deletions (or 25.7% of their presenting negatives) from their combined credit reports by month 3, and 28.6 deletions (or 84.7% of their presenting negatives) by month 12.*
The progress of your case will depend on your timely participation (sending in credit reports on a timely basis), the nature of your case, and the level of credit bureau cooperation.
Because Advanced-level clients are provided expanded legal services that include additional interventions, their cases may proceed even more quickly. However, it is important to remember that a law firm cannot promise a particular result within a certain time frame since every case and credit report is different
Is Credit Repair Legal?
Absolutely! It is your legal right to dispute items on your credit report. Fix Credit Right exercises your legal rights pursuant to the Fair Credit Reporting Act, the Fair Credit Billing Act, Truth in Lending Act, and Fair Debt Collection Practices Act, as well as other applicable Federal statutes.
We recommend that you stay away from services that recommend that you attempt to obtain a new/alternate social security number, attempt to create a consumer credit profile under a EIN, or create "fake" credit profiles by intentionally reporting false data. These tactics can be illegal and/or unethical and, if caught, can result in significant personal liability.
Why Do We Collect Personal Information?
We collect personal information to enroll you in our service and to provide our services for you. Once you have retained Fix Credit Right, we use you personal information to correct inaccuracies, mistakes, and misleading items on your credit reports. Additionally, we use your personal information to provide you with superior customer service, and to communicate with you regarding your case. We also use your personal information to keep you up to date on the latest service announcements, feature updates, special offers, and other information we think you would like to hear about.
How Do We Collect Personal Information?
We collect information about you at the time you sign up for our service, and any time we enter information from your credit report into our database in order to facilitate your service, particularly for our Online Credit Management Database where you may continually update your information and review the status of your case. All personal information our clients provide is stored in a secure database for the sole purpose of rendering our services to you.
When you browse Fix Credit Right web’s site, you are able to do so anonymously. Generally, we don't collect personal information when you browse - not even your email address. Your browser, however, does automatically tell us the type of computer and operating system you are using.
When I request my report, does it hurt my credit scores?
No. When you request your own report it has no impact on your credit scores. Generally speaking, when someone else runs your credit it is because you have applied for new financing. Since an inquiry usually indicates that you are about to incur new debt it is somewhat reasonable that your score is adversely impacted. It is worth noting however that the impact of an inquiry is small and vanishes in a number of months. There are several instances when your credit may be run without affecting your score. These exceptions include direct inquiries by you as well as inquiries that are made without your knowledge by potential creditors (think of those unsolicited credit card offers that arrive in your mailbox). The reason that these inquiries don't count against your score is simply because they don't indicate any intention on your part to incur new debt.
