FREQUENTLY ASKED QUESTIONS

IS CREDIT REPAIR LEGAL?


Yes, credit repair is legal and our credit education and document processing services will help you use the law in your favor. That law is called "The Fair Credit Reporting Act" (FCRA). The FCRA gives you the right to dispute any item on your credit report. If the item cannot be verified within a reasonable time (usually 30 days). It must be removed.




WHAT IS YOUR 100% GUARANTEE?


You are entitled to a 100% refund on all monthly payments if:

  • We do not remove any negative accounts worked on.
  • You have had 120 days (4 consecutive months) from the time that you retain our services.
  • You have not used another credit-consulting agency or attempted to repair your own credit at least 1 year prior to signing up for our services.
  • You have had no new collections or missed payments during the time frame we are assisting you.
  • You have maintained credit monitoring services at all times during the time frame we are assisting you.
  • You agree & have sent updated reports/responses from the three credit bureaus & creditors to us within 5 days of receipt.
  • Make us aware if updated reports have not been received. (You should receive updated credit reports every 35-45 days.)




WHAT ITEMS CAN YOU HELP ME REMOVE?


With our professional assistance and document processing, our clients will be able to remove a multitude of varying negative remarks from their credit, such as: collections, credit card debt, inquiries, late payments, old addresses, judgements, repossessions, medical bills, tax liens, student loans, bankruptcies and foreclosures.




CAN ITEMS YOU REMOVED BE PLACE BACK ON MY CREDIT?


As long as the item(s) is current or paid at the time of removal or if the collection is outside of the legal time period allotted to remain on your credit, it should not come back. In the rare case it does, we can simply dispute it as it would have been placed back on your credit in error.




WHY DO RESULTS VARY?


On average, clients are able to remove 80% of the negative items on their credit report (if not more); however there are some cases where creditors and credit bureaus are correct and have done everything right. In those cases, we do not have a case against them.




HOW LONG WILL IT TAKE TO RAISE MY CREDIT SCORE?


In most cases, clients will see an increase in their score within their first cycle (35-4 days) and will need to continue on a month-to-month basis until they are satisfied with their overall results.




IN ADDITION TO STARTING THE CREDIT DISPUTE PROCESS, WHAT ELSE CAN I DO TO HELP RAISE MY CREDIT SCORE?


  • Pay all of your bills on time! Every. single. time. This includes your utility bills, mortgage, auto-payments, student loans and all your revolving credit; such as credit cards.
  • Check your credit report at least once a year.
  • Educate yourself on credit and how it works. We can help you understand how to challenge incorrect information on your credit report, as well as teach you the benefits of utilizing credit correctly.
(For more information and tips on additional ways increase your credit score, please visit the Credit Education Tips section.)




HOW MUCH WILL IT COST ME?


Packages vary. Our packages are tailored to fit the needs of all clients. Please review our pricing section for more details.





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CONTACT 

M-F 9A-5P PST

1050 LAKES DRIVE, #225

WEST COVINA, CA, 91790

Email: info@paynefreesolutions.com
Tel: 1-866-96-PAYNE | 1-866-967-2963

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