Credit Boosters

Description

By removing negative items from your credit report you can dramatically improve your credit standing, and that means a better quality of life. Below are frequently asked questions about credit repair. What is a credit bureau? Are all three (3) credit bureaus important? How long does information remain on my report? Why do credit bureaus not want me to use a Credit Repair company? How long will it take me to repair my own credit? How long would it take Credit Boosters to repair my credit? Why should I use a Credit Repair Company? How do you restore bad credit? How does Credit Boosters do this legally? What if deleted items reappear on my credit report? Do I need to see my credit report first? Do you guarantee your service? Do I call my credit repair consultant? What is a credit bureau? Credit bureau tracks personal, financial and credit information on individuals. This includes information taken from public records, personal identification and debt information. With the exception of back child support payments, creditors supply information on a voluntary basis. Credit bureaus are strictly private “for profit” entities, and are not government institutions. Are all three (3) credit bureaus important? The three (3) major credit bureau pass information to additional minor or less well known credit bureaus. Each major credit bureau therefore will cover at least one third of your total credit history. And even though your credit report may display the name of an otherwise known small credit bureau, the fine print will show a major bureau is ultimately supplying the information. How long does information remain on my report? Credit bureaus report credit information for a period of seven (7) years. Some states have special provisions for collections and paid liens. Chapter 7 and chapter 11 bankruptcies are each reported for 10 years, both measured from the data of filing. Why do credit bureaus not want me to use a Credit Repair company? The credit bureau will tell you that it is easier and less expensive to do it your self. While it may be true that you have the right to repair your credit yourself, many individuals do not have the time, experience and organizational savvy necessary to deal with bureaucracies. You must also spend hours of study to gain a working knowledge of the consumer laws available to you. Many who start repairing their credit turn to a credit repair company after months of work. How long will it take me to repair my own credit? There is no definite answer because it depends on your initial credit status. your dedication to review your credit report and prepare letters to each of the credit bureaus, and how long it takes you to learn your credit rights by familiarizing yourself with the Fair Credit Reporting Act (FCRA). You must remain organized and effectively draft your correspondence to the credit bureaus. This process can easily take over a year of diligent work, or, you can hire Credit Boosters to work proactively on your behalf. How long would it take Credit Boosters to repair my credit? Again there is no definite answer, only definite advantages as the time varies depending on the initial credit status of each customer. Using Credit Boosters eliminates the time investing in learning credit laws and drafting correspondence for the paper chase with the credit bureaus. It frees you from crafting carefully worded correspondence and following each dispute. The credit bureaus will be lea inclined to view a credit challenge from a recognized credit repair company as frivolous or unfounded. On average it takes between 3 to 8 months, depending on your situation, it may take as little as 3 and as much as 8 months or more for Credit Boosters to repair your credit. Why should I use a Credit Repair Company? The most common reason are that individuals have either already tried themselves and obtained limited results, or they just don’t have the time to undertake this task. If you decide to use us, you can be assured that you will be receiving the best assistance and service possible. How do you restore bad credit? As part of your contract with Credit Boosters for credit restoration services, you will complete a questionnaire that tell us which items on your credit report you desire Credit Boosters to challenge. All credit listings showing up on the credit report which you advice us are assumed to be inaccurate or unverifiable will be subjected to a dispute. How does Credit Boosters do this legally? Disputing your credit report is your right. Credit restoration is a legal as pleading “not guilty” in a court of law. What if deleted items reappear on my credit report? On occasion, a negative listing that was recently deleted will eventually be verified by the creditor. The Fair Credit Reporting Act requires that the credit bureau informs you of reinstatement of a previously deleted listing. The FCRA also makes it more difficult for credit bureaus to be re- report listings. Because of these factors, it is fairly rare for listings to come back on your credit history once they have been deleted. If an item is re-reported it is a simple matter to challenge the listing again at a future time in order to press for permanent deletion. Do I need to see my credit report first? Most people visit this web site after they have denied credit. Most even know the specific nature of the negative listing appearing on the credit report before we begin work. It is only necessary to know that there is a credit history problem which needs to be addressed. One amazing thing about bad credit is that almost any small amount of bad credit will trigger universal credit denial. A little bad credit isn’t much better than a ton of it. So, if you believe there might be a couple of negative listings on your credit report, it still makes sense to hire Credit Boosters for the time it takes to remove those listings. Do you guarantee your service? It is important that you understand there are no guarantees involved when working with Credit Boosters or any other credit repair company. Credit Boosters, however does fully warranty its credit restoration services. The Credit Boosters Warranty means that at the completion of the service contract, if you’ve done your part by mailing updated credit reports and letters from the bureaus and we’ve made no progress, your money for monthly service fees would be refunded. Do I call my credit repair consultant? Within seven to ten days after signing up for credit restoration services with Credit Boosters by entering into the contract provided by your credit associate, a credit repair consultant you by telephone or e-mail according to your stated preference in the contract. At that point, you can contact them as much as you like by e-mail or you may telephone them at 713-268-4955 during Credit Boosters business hours which are Mon-Fri (9AM-6PM EST). Credit Boosters 7457 Harwin Suite 115 Houston, Texas 77036 Tel: 713.268.4955 We’re available 24/7

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