If we are unable to delete any negative items from your credit report in 180 days, we will refund all fees NOT INCLUDING your auditing/document processing fee in full.
A deletion fee is invoiced for the complete deletion of an item. The deletion fees above are per item and per bureau. The deletion of ANY item from ANY bureau counts as ONE (1) deletion. The deletion of any account or public record from all three credit bureaus counts as THREE (3) deletions
Once you have a balance with us for the items that were deleted, you will be billed no more than $75 a month until your balance is paid off. You will not be required to pay off your balance in full. For example, if there are 6 collections deleted, we will send you an invoice of $300, in which you will be required to pay $75 a month for 4 months.
Therefore, the most a client would pay monthly is $104.99, which includes the $75 deletion fees and $29.99 a month for credit monitoring.
Inaccurate Personal Information
We want to make sure that the credit bureaus are reporting 100% accurate information. You don’t have to have someone else’s name or address on your credit report. This can cause a credit merge and a possibility of their items jumping onto your credit report. We work to remove the following:
Late Payments
($10 per late payment)
We realize that you might have late payments on your credit report. We contact the credit bureaus and creditors to demand they are reporting 100% accurate information pursuant to the Fair Credit Reporting Act (FCRA) and the Fair Credit Billing Act (FCBA).
Collections
($50 per item – per bureau)
Collection accounts can seem to be very burdensome and you may not know exactly what rights you have. We will never suggest for you to not pay a collection agency, but before you do, ensure that they provide proper validation and are able to prove the account is yours. There are times when collection agencies report inaccurate information on your credit report so it is their responsibility to provide verification that the accounts are reporting accurately.
Chargeoffs
($50 per item – Per Bureau)
A charge-off occurs when your account typically goes over 180-past due and the creditor has closed your account. They then will either do two things, hire a collection agency to collect the debt or file a judgment against you. Just like with any other account, the account must be listed 100% accurately on your credit report.
Repossesions
($50 per item – Per Bureau)
No one likes it when their car is repossessed. By we don’t want you to feel that you are never able to recover. Creditors and credit bureaus must report accurate information on your credit report. As well as provide documentation that supports any information reported.
Foreclosures & Short Sales
($150 per item – Per Bureau)
A foreclosure can prevent you from being approved for credit again. But knowing how to request validation or verification can be the key to proper removal.
Public Records (Bankruptcy, Child Support, ect.)
($250 per item – Per Bureau)
Public records can cause your credit score to drop significantly. Courthouses do not report to the credit bureaus either so ensuring that you get the proper documentation to remove these accounts is important.
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Say yes to better credit and no to not living the life you deserve!
