FAQ

*FAQ'S*

Q: How much does it cost? Is there a monthly fee? 

A: It is a flat fee of $59 for Individuals and a flat fee of $109 for Couples. There are no monthly fees and your payment information is not stored. We can accomplish what needs to be done in one month. 

(Watch my social media for special discounts!) 

Q: How long does it take? 

A: Cleaning up and building credit is not an overnight process, and every credit profile is different, so it's difficult to say how long it will take to reach your desired credit score. Creditors report to the credit bureaus once a month, not in real time and certainly not on our time, with that being said, we usually see some changes in score within 30-45 days. 

Q: The debt belongs to my ex-wife. She was suppose to make the payments. That should simply be deleted, right? 

A: No. Creditors and the credit bureaus do not care about your personal arrangements as far as to whom the debt actually belongs to. If you both sign, it belongs to both of you. 

Q: Can you just delete everything all at once? That is how this works, right?

A: No. I work according to the Fair Credit Reporting Act laws (FCRA) which state that you have the right as a consumer to dispute inaccurate and obsolete information on your credit report.Simply put, if we can prove that the debt is inaccurate, they must update it correctly or remove it all together. 

Q: Why do I need to send you my reports from AnnualCreditReport.com? It's easier to just send you my Credit Karma or Experian login. 

A: While Credit Karma and Experian are super easy and quick for you to read, they do not show all of the complete details like Annual Credit Report. When I look at your credit report, I am looking for many pieces of information, such as report dates, collection dates, first delinquency dates, expiration dates, missed payment dates, high balances, credit limits and the dates they increased/decreased. 

Q: Do you have to share my increases on social media?

A: Absolutely not. If you give me great news, I will ask permission to celebrate you on my Facebook page. However, if you prefer that I do not, that is fine! I respect your privacy. 

Q: How long have you been in this business?

A: I have been working with credit for 5 years. I started out with a large company, then became Board Certified and broke away from the company and now work for myself to help my customers directly. 

Q: Do you sell my information?

A: Absolutely not. Your information is private and will never be sold or shared. 

Q: What is your process? 

A: Once you sign up, I will have you email me your 3 credit reports from Annual Credit Report. I will then create your dispute letters if necessary, and put together your Complete Step by Step Credit Game Plan so you know exactly what needs to be done on your end to improve your credit. I will also send you links to credit building accounts that will help you improve your credit profile. My goal is to keep this process as simple as possible for you.