Credit Repair FAQ

1. Who provides this service?

Service is provided by experienced professionals producing expedited industry-leading results, routinely removing every form of negative credit including Bankruptcies, Tax Liens, Judgments, Foreclosures, Repossessions, Charge-offs, Evictions, Child Support, Slow Pays and more.

2. What makes your credit repair so effective?

We utilize a process that has been database driven utilizing practices proven to produce superior results. This ensures quality of service for all of our clients. We understand the necessity of delivering a first class service. It yields incomparable results and clearly illustrates our commitment to provide industry leading performance for each and every client.

3. Is this legal?

Yes. We make the most of loopholes in the laws that govern the Credit Bureaus and Creditors to permanently remove negative credit on behalf of our clients. In summary we are applying the knowledge gained over the last 15 years to force the Credit Bureaus and Creditors to correct inaccuracies in their reporting. The correction of these inaccuracies has enabled us to permanently remove every form of negative credit. Yes, this is legal and our process provides permanent industry leading results.

4. Can I repair my own credit?

Before we answer this question let us ask you a few questions:

1. Do you know how to interpret a copy of your credit report?

2. Do you know the loopholes in the law to leverage for the permanent removal of a slow payment?

3. Are you aware that there are numerous different strategies for credit repair and not all of them provide permanent removal?

Yes, you can attempt to repair your own credit. It is possible but not very probable. In enrolling numerous clients that were unsuccessful in repairing their credit we have noticed: 1) 1 out of 100 individuals were claiming success in repairing their own credit. 2) It took an average of two years for the alleged successful individuals that had repaired their own credit to get enough results to utilize their credit again. 3) Those alleged successful clients ended up enrolling with us the next time they experienced some credit trauma.

5. How does the process work?

The process is very simple for you because we do all the work. You submit your order with payment. We receive your order and contact you to start the process and explain in detail how it works. We identify all the negative credit within your credit report. We create you an account in our database and e-mail you or call you with updates as necessary. We input every negative item for all three credit bureaus classifying each item and matching it with the appropriate loophole in the credit laws for removal. We create our disputations that are sent directly to all three credit bureaus.We send you a welcome packet that once again goes over the process and provides all of our support contact information. You will receive reports from all three credit bureaus that will provide round results every 45 days. The only thing that you have to do to ensure maximum results is to fax or mail these reports and all correspondence from the three credit bureaus to our processing center and we do everything else.

6. How long does the process take?

Every client receives results every 45 days. We refer to this 45 day cycle as a “round” of credit repair. Every client's credit repair needs are different because credit reports are different. In performing credit repair over the years, credit repair clients fall into one of two categories:

Category 1 = These are the clients that just need an improvement of 50 points or less in their credit score to obtain the financing they are after.Category 2 = These are the clients that need more than a 50 point improvement in their credit score to obtain the financing they are after. Fact: Most Category 2 clients have two problems with their credit report. They obviously have negative credit in their credit report. This negative credit has restricted the client from getting further financing so the client has been forced to operate in cash & carry mode. This cash & carry mode leaves the client without positive credit to pull the credit score up as the negative items are removed from the client's credit report. These clients will need to strengthen their credit with the addition of positive credit. We can also help you with that.

Most Category 1 clients can start using their credit again after 2 to 3 rounds of credit repair. Category 2 clients need to allow 3 to 4 rounds before anticipating using their credit.

7. How do I strengthen my credit through the adding of positive credit?

Positive Credit can come in a couple different types. The strongest positive credit is open accounts that have never been paid late. Closed accounts that were paid off and never paid late are positive credit also, however these credit lines do not carry the point value of open never paid late credit lines. In fact, most low interest rate lender programs for home mortgages require a minimum of three open positive (Never Paid Late) credit lines. Today we advocate one source for the adding of positive credit to a client's credit report for the following reasons:

1. Guaranteed Approval

2. Security Deposit is FDIC Insured

3. Low Fee $129 setup for both a Visa & a MasterCard

4. Low Security Deposit Minimum of $300 per card

5. Reports to all 3 Credit Bureaus Monthly

6. No Credit Check

We tell all clients that need to strengthen their credit to use these cards to purchase gas once a month and then pay it off early every month. In ~ 6 months you should be able to qualify for an unsecured credit card. After you get your unsecured credit card you can cancel these credit cards and get your security deposit back.

8. Why don’t you advocate other sources for the addition of Positive Credit?

There are a lot of other sources for the addition of positive credit, however these other sources are not reliable and sometimes are illegal. Probably the most common other source for adding positive credit is the Authorized User strategy. You find someone with a credit card with good payment history and a low balance and they add you as an authorized user on their credit card so that you obtain their credit history on this account. Here is a problem example with this strategy:

Most Credit Card companies are not reporting credit on authorized users anymore unless it is negative. Think about it. You go in for a home loan and you are 10 points shy of qualifying for 100% financing so the loan officer instructs you to contact a family member to add you as an authorized user. Fast forward 30 days later. Your loan officer pulls your credit again and you qualify for 100% financing. You close on your loan and then your family member cancels you as an authorized user. Yes, you purchased the home. However, you and your loan officer just committed loan fraud and the credit card companies just took a loss to issue and cancel credit cards and report your info to all three credit bureaus.

We do not advocate shortcuts that leave our clients in compromising positions!

Focused Financial Solutions