FAQ
Is Credit Repair Legal?
Yes, credit repair is legal and our credit education and document processing 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 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 by not offer proof. It is our job to prepare
documents that challenge this and we are very skilled at that.
What can I expect when I enroll in credit education?
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 bureause.
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. 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.
Why Are Your Results Different?
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have
done absolutely everything right and we have no case against them. On average, we are able to remove
70% of the negative items from a credit report.
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.
Is Credit Training & Education worth my time?
Contrary to what credit bureaus want you to believe, credit training 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
credit 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 is Your 100% Guarantee?
You are entitled to a 100% refund on all monthly payments if:
- You do not remove more than 25% of all the negatives worked on.
- You have had six months from the time you retain our services.
- You have at least four negatives on the credit report at the time of sign-up.
- You have not used a credit-consulting agency nor attempted to repair your credit two years previous
to signing up for our services.
- You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
(Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to
make us aware if updated reports have not been received).
Will the Removed Items Come Back?
Items cannot come back as long as the item is current or paid at the time of removal or if the collection
is older than three years. This holds true except in very rare circumstances.
Can't I Just Do This Myself?
You may have googled "how can I fix my own credit."
Any average Joe can send in dispute letters themselves, but it's the same response as saying "anyone can
change their car engine," but that doesn't mean you're not going to mess up the transmission along the way!
When you send in multiple dispute letters on your own behalf, you risk the chance of the credit bureaus
marking up your credit that you have submitted "frivolous" responses (AKA, you're just sending in a bunch
of letters to try to remove negative items, and they know it!).
The second problem you can face is going up against collection agencies. When you submit a dispute letter
to the credit bureaus, this information is forwarded to the collection companies themselves. When the
collection companies receive your dispute notices, this gives the collectors the opportunity to update
your personal contact information and can re-validate your debt which allows them the opportunity to extend
your negative item on your credit report to stay an additional seven years.
Apprvd works with a legal department that knows all of the laws under the FCRA to assure we proceed the
correct way.
Of course, this is no overnight miracle process, but Apprvd guarantees to expedite the process in the
time of the package you select.