FAQS

Good to Know

HOW MUCH DOES YOUR SERVICE COST?

In order to give you a price, first, we have to do a personalized credit analysis. Credit repair is not a one size fits all, the cost will depend on what we see on your credit reports, it's based on the types of negative items and the strategy to help you improve your credit scores. With your credit consultation, you’ll know exactly what you need to do to achieve your goals and get results We have different pricing options and packages to make sure it fits your budget.

WHY DO I NEED CREDIT MONITORING TO COMPLETE MY CREDIT CONSULATION?

You will need to set up a credit monitoring account with one of our approved providers so your credit advisor can analyze your credit history, payment history, and overall financial situation. 

 

That way when you’re done with your consultation, you’re going to know exactly what it’s going to take to get you to an “Excellent” Credit Score

IS CREDIT REPAIR LEGAL?

The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act. The FCRA provides additional measures of consumer protection in the areas of fairness, accuracy, and privacy of the information collected by the credit bureaus. It also allows you to personally engage in credit repair and maintenance processes, verifying that the information in your credit report is correct.

 

Federal consumer rights under the FCRA include:

  • Access to your credit report.

  • Access to your credit score.

  • Notification when your credit information is used against you.

  • The right to dispute information on your credit report.

  • The right to delete outdated information.

  • The right to decide who views your credit report.

  • The right to opt out of unsolicited offers.

HOW LONG WILL IT TAKE TO IMPROVE MY CREDIT?

Through our services, 93% of our clients see their credit score increase 30 points or more in the first 30-45 days. Since the staffing shortages at the credit bureaus (due to COVID-19), they have an additional 15 days to respond. Once a credit analysis is performed one of our experts can give you a better idea of what to expect.

WHAT ITEMS CAN YOU HELP ME REMOVE?

With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.

WHAT CAN I EXPECT FROM THE CREDIT CAMELEON™️ AS A CLIENT?

We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting.

WHAT ARE THE HOURS I CAN SPEAK WITH A CREDIT ADVISOR?

Sometime you just want to talk to somebody - to ask questions, get encouragement or understand the process better. And we'er here to talk to you, during the following hours:

Monday-Friday:  10AM - 6PM CST

Saturday:  10AM - 2PM CST

Toll Free: 888-325-7675

Local: 281-729-9900