Frequently Asked Questions
Q: Is your work 100% guaranteed?
A: It is illegal to guarantee 100% of the work to anyone because nothing is guaranteed in life. However the results are 85-95% success rate. And it's all based on how severe the case may be on your file.
Q: What's the procedure?
A: In order for us to assess what's going on with your credit, we need to look at your credit report first and foremost.
Please Provide your log ins when you send us an email to info@creditrebuildexperts.com
Q: How long does it usually take for the file to be completed?
A: 6 months to a year and it really depends on what's on your credit report.
Q: Can I still run my credit while in the process of cleaning?
A: No you cannot, the reason being is per inquiry ran while in process can delay the progress 3 to 4 months.
if the Credit Bureaus see that you're running your credit multiple times while in process, the credit bureaus will red flag your credit file and block any type of disputes for a year.
any attempts will be disregarded.
Q: Do I answer any calls from the collection agencies?
A: Never answer nor confirm your identity over the phone.
The moment they verified your Identity on a recorded line, whatever is(collection or charged offs) being disputed will be nullified and you'll be obligated to show up to court and pay or settle the amount owed to the creditors.
And if you don't show up to court they can legally garnish your wages.
Q: What if someone is knocking on my door, trying to hand me papers should I accept it?
A: It is the same as verifying your identity but in person, as soon as you accept and sign the letter, you will be ordered to show up in court.
Q: Do I pay any of my defaulted/collection accounts?
A: Every time an account defaults or go to collections, it's no longer your account. it's best not to pay an account that's no longer yours.
Q: I paid my collections/settled my accounts, why is my score really low?
A: Paying off any collection or settling it, will result in a bad remark on your credit report and will remain on your report for 7 years
Q: I opened my account on 2010 but my account charged off in 2019 shouldn't it be off my credit report it's been over 7 years?
A: The 7 years starts from the day it charged off not from the day the account was opened
Q: Everything has been wiped off my credit report and I don't have any history, do you help rebuilding credit history?
A: Yes, we have a solution on rebuilding your credit history, ask us how can our primary tradeline help you.
Q: Do you have proof of the work you've done in the past?
A: Yes, on our results and testimonials tab
Q: Can you remove lates?
A: Yes & No- reason: if the account is open and active removing lates on an open account can result of a shut down and paying off the remaining balance.
10 years ago it was easy to do it on an open account, however the 3 credit bureaus have changed their rules since then. We can remove lates on an account that's been fully closed off.
Advance warning if you're removing account with lates on a closed account, if that account is related to the same creditor you currently have. It will cause a chain reaction of the active account being removed as well.
What to expect?
* Expect that it will take time for your credit score to recover.
* Expect that creditors will still go after you even after removing the negative accounts from your credit report. It's best not to confirm your identity nor accept any letters handed to you for you to sign.
* Do not expect your credit scores to be high if you're constantly late on your payments.