Frequently Asked Questions

Is Credit Recovery legal?

Yes, credit recovery is legal and our credit education and credit coaching services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore, most credit reports improve immediately. For items that are disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified but not offer proof. It is our job to prepare documents that challenge this and we are very skilled at these type of situations.

Is Credit Recovery and Education worth my time and money?

Contrary to what credit reporting agencies want you to believe, credit recovery does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.

What can I expect when I enroll in Credit Recovery?

We will guide you through the process from start to finish and prepare all your documents for you within our six sessions. We have a superb knowledge of credit scoring and experience working with creditors and credit reporting agencies. It may be difficult for an individual to communicate with creditors and credit reporting agencies without an adept understanding of the techniques and regulations they have in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.

What is your 100% Money Back Guarantee?

You are entitled to a 100% refund on all monthly payments within three days of signing up for our credit recovery program.

How long will it take to raise my score?

Through our services, 93% of our clients start seeing their credit scores increase in the first 30-60 days.

Will the removed items come back?

The credit reporting agencies will often delete a negative listing if they haven’t heard from the credit grantor after approximately thirty days. If the credit grantor reports late, say after six weeks, and then verifies the negative listing, the credit reporting agencies will often reinsert the negative listing on the credit report. Usually, though, the creditor simply fails to respond and the negative listing is permanently deleted.

The Fair Credit Reporting Act also requires the credit reporting agencies to inform you before they re-report a negative listing. This law also contains provisions which makes it more difficult for the bureaus to re-list previously deleted items. If a deleted item is re-listed, Creditguymke Financial Solutions will simply challenge the listing again and asks for a permanent deletion.

What items can you help me to remove and improve?

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.

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