Frequently Asked Questions

Do you have questions? We have answers

You will find answers to frequently asked questions, but we are here to answer any question that you don’t see the answer for. You can reach out to us if you need to.

Our Services:

Advanced credit repair and credit score optimization to remove negative accounts from your credit report and establish new credit relationships with new creditors. The service is provided by a Certified FICO professional and a team of credit dispute specialists.

A service to repair your personal credit

  • Removing negative accounts
  • Building credit
  • Credit score optimization

Anyone with credit issues holding them back from getting the things they want and need and they’re ready for a solution. Someone with negative accounts on their credit report, or has problems building credit, would benefit from Total Credit Transformation.

If you have good credit and it’s been challenging to get to the point of having excellent credit, Total Credit Transformation is perfect for you too.

This will help you eliminate the fear and doubt that you feel when you need to utilize your credit to take important steps.

Are you ready for a change? Click here to get started before the special offer ends.

Our success rate is almost three times higher than other credit repair companies

81% of negative accounts we challenge are successfully removed, which is almost 3 times better than the results that people have gotten at other credit repair companies, according to national studies. Better results will place you in a better position to qualify for a home loan.

Credit scores increase quickly

On average our clients credit scores go up 129 points in less than 90 days of working with us.

You risk nothing

Our money back guarantee eliminates your risk of wasting money. If our service do not benefit your credit, you’ll be refunded every dollar you invested.

Lifetime Guarantee on deleted items    

The lifetime warranty guarantees that if any of your negative items we successfully remove from your credit show back up at any time, we’ll dispute it again at no cost to you. 

We keep you updated during the entire time

Conveniently track your results online 24/7 through our web based encrypted client portal. See what has been done, you don’t have to call and ask, just login to your account.

We provide resources to rebuild credit

Adding Positive credit history is the quickest way to increase your credit score. You will get access to new credit through companies that have no minimum score requirement

We give you tools to maintain your credit for the rest of your life

Not only will you have experts working to repair your credit, but we teach you how to maintain your credit so you don’t fall back into the same situation. We educate you on the best course of action to take if you have a credit issue pop up. Paying for professional credit repair will pay short term and long-term benefits. 

On average, most cases are completed between four to five months. Some clients cases are complete within sixty days, but each situation is different. Keep in mind that credit repair takes time, it’s not an overnight process.

You will see results within the first 45 days.

Your credit profile is like a fingerprint, it’s unique. Your credit repair process could be completed in a shorter time than what we typically see, or in some instances it could take longer. 

I don’t see why not. We do all of the work for you. Our process is proven and the success rate is extremely high.

Total Credit Transformation was created to be a complete done for you concierge service if you need to repair your credit without wasting months or even years trying to trial and error your way to better credit.

This was specially made for you – the person who want to see results with their credit and they

Understand the value of getting professional help.

Total Credit Transformation was created to provide you with… a complete done for you solution to totally transform your credit so you can get the things you want and need for yourself and your family without wasting time and money on the things that don’t work.

When negative information is deleted from your credit report, the credit reporting agencies can’t reinsert any account that was previously deleted unless there was new information found.

A creditor has 30 days to verify a dispute. If the creditor hasn’t responded to the credit reporting agency within the 30 day allowable timeframe, the credit reporting agency must delete the challenged item from your credit report.

On occasion, the credit reporting agency will perform a soft delete and if the creditor responds a week or two after the 30 day time period they could reinsert an account.  I’ve been in the credit repair industry for more than 13 years, serviced thousands of clients and I ‘ve seen less than five occasions that a negative account was reinserted back onto a clients credit report after it was deleted.

A wise man once said, “The best time to plant a tree was yesterday. The next best time is now.”

The same applies to you. If not now, then when? Imagine where you would be in a few months if you started today. You can do this!

I would advise you to get Total Credit Transformation now, because you’ll have instant access to a full support team the moment you purchase, plus a lifetime warranty on your service.

Importantly, Total Credit Transformation special discounted offer with bonuses will be available for the next 24 hours only – after that, you will have missed out on bonuses and buy at a much higher price.

Click here to enroll for the Total Credit Transformation service now! 😉

Individual

  • $379 ONE TIME AUDIT/SETUP INDIVIDUAL
  • $139 PER MONTH (4 – 6 MONTHS AVERAGE TIME)

Couple

  • $479 ONE TIME AUDIT/SETUP COUPLE
  • $199 PER MONTH (4 – 6 MONTHS AVERAGE TIME)

Step 1: schedule your consultation

You should schedule your strategy call (step 1), if you and i haven’t discussed your credit. Click here to schedule it

This is a 15-minute one on one virtual appointment with me (aazim) or a member of my team. I’m a certified fico professional, and i have helped more than 2300 people repair their credit.

During the strategy call you’ll receive valuable resources that most people pay for. But you won’t have to pay a single dime. There are no strings attached, we’re just passionate about helping people improve their lives and we utilize credit repair to do that.

The purpose of your call:

  1. To discover all the errors and mistakes we found that can be legally removed
  2. Inform you of strategies  you can use to o boost your score if you decide to do things yourself
  3. See what we offer and determine if we are a good fit for you
  4. You’ll get a few valuable free resources just for showing up

We’ll give you some actionable steps you can immediately take to  repair your credit on your own  or if you decide, we can do all of the heavy lifting for you.

Step 2: get your credit report

To get started, please click here to order your initial credit report . It’s going to cost you just $1 for a 7-day trial and then $19 per month after that. It’s important to get your credit report so that we can audit your credit report. This credit monitoring site that we recommended is the one that works best with our system.

It’s important that your credit report is reviewed so we can determine what course of action should be taken.

Identityiq is not owned by l.e.a.f credit solutions, they’re a third party company, that gives you access to all three credit reports and scores. Their service is month to month, and you can cancel any time.

Step 3: send us your credit report

Once you have access to your credit report, “click here” to send us your login credentials so we can review your credit. This step must be completed before the consultation. It’s important that we determine what the issues are and the best solutions to solve them.

Step 4: show up for your phone consult

You will have a one on one private call to discuss your credit needs and goals. Our process is judgement free. We’ve all been where you are, so we want to provide solutions to give you some relief.

On the call we’ll ask you some questions about your credit. You’ll ask us questions, and we’ll get to know each other. You can see if we’re a good fit

Before making a commitment. We welcome all questions! 

It’s important that we review your credit report so that we can determine what your needs are. Reviewing your login information is case sensitive, we can’t access your credit report unless you provide the exact username and password you used to create your account with identityiq. To save yourself time, please verify that the login information is accurate  before sending it.

Information you need to email to us:  (copy and paste this into your email when you send)

  • Your name:
  • Your phone number:
  • Credit monitoring website:
    (if other than identityiq)
    – username:
    – password:
    – last 4 digits of social:
  • Reason: 15 min strategy call
  • Security answer: (if applicable)

Step 5: we give you a good faith estimate

The good faith estimate that we’ll prepare for you is a potential cost of the service. The good faith estimate gives you a total of what your investment would be if every negative account is removed from your credit report. However, nobody can predict the outcome of how many accounts will be removed. That is the reason we provide you with a good faith estimate so that you have an idea of the cost, if all accounts are successfully removed.

Once you review your good faith estimate and verbally agree to the terms, we’ll send you an electronic copy of the estimate and client agreement to sign.

You’re billed only after your results have been confirmed. We require that you maintain your credit monitoring subscription with identityiq while going through the credit repair process.

The fees for correcting or removing items from client’s credit report are per item and per credit bureau.

Step 6: you decide: enroll / explore options
once you receive your estimate you can decide to move forward with us or explore your options. There is no obligation or pressure from us.

Under public Act number 160 within the Credit Repair Organizations Act, credit repair companies were no longer required to be licensed to provide service to the public. Neither was there any licensing available for individuals who want to obtain one.

I personally believe there should be a license required to offer credit repair, but at this time there isn’t. There are certifications like FICO, offered by Allregs Academy. That is the certification I went through online. And then there are other online courses that offer certifications.

Because there is no certification required, unfortunately that leaves an open door for a massive amount of folks to start and run a company when they don’t have the skill or experience to effectively get the results they’re promoting. And as a  result, good people end up getting taken advantage of. But on the other hand there are some amazing folks who are highly skilled at repairing credit and they’ve got the customer feedback to prove it.

Until a license is required, I would recommend that you judge a company based on their online client feedback. If they get rave reviews, they must be doing something right. There are important questions you must ask any credit repair company before you hire them. [Get a copy here]. Use that report as a guide and it will save you tons of time and money.

We offer various services, but all are credit related. Check out what we have and see if there’s something that suits your needs and goals.

  • Credit Repair
  • Credit Building
  • Credit Protection
  • Business Credit & Funding

Visit our [Services] page to see a detailed list, description and pricing on all the credit related services we offer.

How do I know that LEAF Credit Repair is a legitimate company and trust you with my information?

Yes, L.E.A.F Credit Solutions is a legitimate Credit Repair Agency. We are a registered business in good standing with the state of New Jersey. And we fully comply with all guidelines within the Credit Repair Organizations Act (CROA) in order to publicly offer professional credit repair service to consumers who need it nationwide. With more than 40 years of combined professional experience in our dispute department and an average success rate of 79%, removing negative accounts from credit reports, I’d say we’re legitimate.  Our credit improvement statistics certainly stand alongside the top in the nation. 

L.E.A.F Credit Repair has professional relationships with mortgage lenders , realty companies, attorney and financial planners who consistently refer their clients who are in need of help with their credit. Don’t just take our word for it, feel free to view our client and affiliate video testimonials as well as read through our verified shopper approved client reviews.

We also offer a one of a kind No Risk – Triple Warranty which is publicly viewable on our website and our client agreements . You will get results or you will get your money back! No questions asked.

Leaf Credit Solutions is a registered business in good standing with the State of New Jersey as in good standing and we are compliant with the Credit Repair Organizations Act (CROA) to Our credit repair specialists have years of experience and have professional relationships with lenders and financial institutions, CPAs, attorneys, financial planners, and others to offer you the best service possible.  We also offer our No Risk – Triple Warranty.  You will get results or you will get your money back!

Client Reviews

Money Back Guarantee

Ethical Credit Repair Alliance

What’s the difference between using L.E.A.F Credit Repair or some other credit repair company?

Our success rate is 3 times better than most credit repair companies

76% of the negative accounts we challenge are successfully removed, which is almost 3 times better than the results that people have gotten at other credit repair companies, according to national studies. Better results will place you in a better position to qualify for a home loan.

Credit scores increase quickly

On average our clients credit scores go up 127 points in less than 90 days of working with us.

You risk nothing

Our money back guarantee eliminates your risk of wasting money. If our service does not benefit your credit, you’ll be refunded every dollar you invested.

Lifetime Guarantee on deleted items   

The lifetime warranty guarantees that if any of your negative items we successfully remove from your credit show back up at any time, we’ll dispute it again at no cost to you. 

We keep you updated during the entire time

Conveniently track your results online 24/7 through our web based encrypted client portal. See what’s been done, you don’t have to call and ask, just login to your account.

We provide resources to rebuild credit

Adding Positive credit history is the quickest way to increase your credit score. You will get access to new credit through companies that have no minimum score requirement

We provide you with amazing tools to maintain your credit forever

Not only will you have experts working to repair your credit, but we teach you how to maintain your credit so you don’t fall back into the same situation. We educate you on the best course of action to take if you have a credit issue pop up. Paying for professional credit repair will pay short term and long term benefits. 

Our physical mailing address is 10 Willow Rd, Suite 143, Maple Shade NJ 08052. We also maintain an office at 44 Milton Ave, Alpharetta GA, 30009. We are a New Jersey based company that provides service in all 50 states and all credit report consultations and sign ups are done virtually by phone or online through our website. 

– Schedule your credit consultation

– Sign up now

If you don’t prove your identity, the credit bureaus will ignore any request that you make. In fact, your disputes will not even be viewed. To avoid this, we ask for proof of identity to move the credit dispute process along smoothly and without any issues.

Submit only clear copies of identification. Color copies are preferred. This will help avoid a credit bureau response that only informs you that your identification isn’t viewable.

Two forms of identification are required. You should have one from each category below.

Category A          

Driver license

Passport

Paystub

Category B

Utility bill

Bank statement

Social Security card

Leaf Credit Repair or any professional credit repair organization who makes a “promise” of a specific or approximate date of completion or results outcome would be in violation of the Credit Repair Organizations Act.

There are companies who knowingly violate the law and make promises they can’t keep, just to get people to sign up, but not us. We want to be 100% transparent with you, in addition to complying with the law. So no, we won’t tell you what sounds good, we are truthful and only set realistic expectations. Read More

But we can share the success rate of our past clients based on tracking performance. Impressively our clients typically see the following results:

  Our statistics

– 79%% of their negative items removed within 4 months

– 129 point credit score increase within 3 months.

– Typical customer life cycle ranges between 3 – 6 months

Those are great statistics, but I also see cases where scores rise more than 200 points in 60 days. Also, situations where 50 negative accounts all removed after working with us for just 3 months. Those occasional situations that people see astronomical jumps in their credit score in less than 90 days or have all items wiped out can’t be used to base performance off of. Always go by the statistics of the average results and not the occasional overnight success. That’s not to say that you won’t get the type of results I just mentioned, but I’d much rather you use our statistics and go by those. Transparency!

There are many factors that impact your credit score. We cannot make accurate predictions as to how much your score will go up. This is because many of the factors that influence your credit score are outside of our control. Only you have completely control over the factors that contribute to your credit score. For example, let’s say when you start with us your credit cards are at 10% of the limit and two months later you are at or over the limit. This will cause your score to go down because your utilization ratio has a 30% impact on your score. This is a factor that only you can control. Also, if there is a new collection or judgment that appears on your report, it will cause your score to go down. Leaf Credit Repair can guide you, but only you are in complete control of your credit score.

 

Since we are not lenders, there is no way for us to predict the criteria required for any type of loan. Every lender has their own guidelines that they use to determine if applications are qualified. Some of the guidelines may include: income, length of time on your job, total liabilities, etc. Because there are so many other factors that lenders consider, we cannot determine whether you will be approved for a loan after your credit is repaired.

When an item has been deleted, occasionally, verification comes in later on behalf of the creditor. The Fair Credit Reporting Act recently modified its language to keep items from being re-reported on your report. Also, you must be informed before an item that was taken off before can be reported again. Once removed, it is quite unusual for a listing to show up again. If an item is re-reported, it is a simple matter to challenge the listing and press for permanent deletion.

The Credit Repair Organizations Act prohibits credit repair organizations from making any guarantees. And, as with any legal work, a lawyer is not able to promise that an outcome will be favorable. Our preferred attorneys have seen extremely positive results and are willing to back their claims with a refund policy which returns some (or all) of your investment if enough questionable items were not removed.

However, we do offer the following NO RISK triple warranty with every membership:

  • If there are no items deleted or updated on your credit report within 90 days of service, you will receive a full refund upon request.
  • If your credit scores do not increase after 90 days of service, you will receive a full refund upon request.

You receive a lifetime warranty on all items that are deleted from your credit report during our program

If you don’t get results, you don’t pay. There is no risk involved when you become a client.  We offer a one of a kind money back guarantee so YOU RISK NOTHING

If working with us doesn’t benefit your credit

Rating, we’ll give you a full, hassle free refund. Period

Here are the details of our exclusive one of a kind warranty:

  1. You’ll see credit repair results in 45 days, or it’s free
  2. Your credit scores will increase within 60 days or

We’ll offer a full refund upon request – no questions asked

And finally, our LIFETIME guarantee:

  1. If any negative accounts that were removed as a result of our disputes , show back up at ANY time,

We’ll dispute it free of charge, no questions asked.

 

Yes, you can cancel your service at any time for any reason. There are no long term contracts or commitments. We work to earn your business every 30 days.

 

Yes, we offer a discount. You can add someone for an additional $100. You get to take advantage of our couples discount even if the person your adding isn’t a spouse or relative. You’ll still get two separate accounts so you can both track your results online, while getting the benefit of a joint account.

Contact us if you’d like to add a spouse, family member, or friend.

Couples Discount (just an additional $100 enrollment fee for a spouse)

Military Discount (10%)

Senior Discount (10%)

We accept:

  • All major credit cards like VISA, MasterCard, Discover, American Express
  • Debit or bank cards with a VISA or MasterCard logo
  • Bank draft – Checking & Routing

 

All of our clients pay by automatic draft, throughout the years there were many billing issues which we had to invest time unnecessarily reminding clients of payments and attempting to collect past due payments. Our automatic draft allows us to cut expenses, which then allowed us to lower the cost of our credit repair service and pass the savings on to you.

We comply with the Credit Repair Organizations Act, which restricts credit repair organizations from billing before work has been done. We do not bill ahead, and we do not charge until after services have been completed.

If you don’t get results, you don’t pay. There is no risk involved when you become a client.  We offer a one of a kind money back guarantee so YOU RISK NOTHING

If working with us doesn’t benefit your credit

Rating, we’ll give you a full, hassle free refund. Period

Here are the details of our exclusive one of a kind warranty:

  1. You’ll see credit repair results in 45 days, or it’s free
  2. Your credit scores will increase within 60 days or

We’ll offer a full refund upon request – no questions asked

And finally, our LIFETIME guarantee:

  1. If any negative accounts that were removed as a result of our disputes , show back up at ANY time,

We’ll dispute it free of charge, no questions asked.

We understand that things happen, so you have the right to cancel anytime for any reason. If you can’t continue because you just don’t have it right now, we understand.

You can even pause your account and we’ll pick back up right where we left off when you’re able to continue. Everything will be fully left just the way it is, we promise.

Credit:

Credit bureaus collect data independently of each other–and they typically do not share it. In addition, your creditors and lenders might report data only to one or two of the credit bureaus. The end result is that Equifax, Experian, and TransUnion credit reports might all look different from each other.

Each credit bureau calculates your credit score with the data in its credit file. For example, Experian calculates your credit score with the data in your Experian credit report. So, if you have a collection account that appears on your TransUnion credit report, but not on your Experian credit report, then your TransUnion credit score might be lower.

We can only advise you about the benefits and disadvantages of paying past due collections and judgments. Ultimately, it is your decision to make. We encourage everyone to satisfy unpaid debts that you owe; however, if they are past due collections, you must be aware of the impact it may have on your credit

Paying off a collection account does not mean that it will be removed from your credit file. Once you pay a collection, it will report for seven more years from the date the payment is made. If payment is made and the account is updated to recently “paid,” then it will have a greater impact than a collection that has been unpaid for a period of time. 

If you want to move forward on paying collections and wish to have them removed, we recommend you use the “Pay for deletion letter” provided in the resources area.

Using the pay for deletion letter does not guarantee that the item will be removed, but it does greatly increase your chances. Be sure to utilize it before you make any settlements or payments.

A secured credit card uses money you place in a security deposit account as collateral. Your credit line is based on your income, ability to pay, and the amount of your cash collateral deposit. For example, if you put $1,000 into the deposit account, your available credit line will be $1,000, assuming you have sufficient income and can demonstrate your ability to pay. (Note that a secured credit card is not the same thing as a prepaid card. Your initial deposit is simply collateral, and doesn’t count toward payments.) A security deposit gives lenders the confidence that you will pay them back, even if you have damaged credit or no credit history.

A secured credit card works just like a traditional credit card. That means you can use it for everyday purchases as well as for transactions where cash or debit cards aren’t accepted (like reserving a hotel room or paying for a car rental).

A secured credit card can help you build or re-establish your credit. However, if you default on your payments, the card issuer may keep your deposit. This means that making your monthly payments on time is just as crucial with a secured credit card as with a traditional card. In fact, it may have even harsher penalties.

Most secured cards are reviewed periodically. If the review is successful, you may qualify to move to an unsecured credit card and receive a refund of your collateral deposit. Eventually, responsible credit behavior could help you qualify for lower interest rates on mortgages, cars, or other big-ticket items. When handled properly, using a secured credit card to build or rebuild your credit can help demonstrate to your credit card issuer and to the credit reporting agencies that you are a responsible consumer who uses credit wisely.

We recommend that you keep any balances on open revolving credit to between 15-30% to help increase your credit score. Any balance above 30% is generally considered harmful to your credit score. The amounts owed make up for 30% of your overall credit score.

Each one of the three major credit bureaus will reflect at least one-third of your total credit history. If you are requesting a credit card, someone can look at your Equifax report and find nothing that would keep the credit card company from issuing you the card. However, they might also look at your other reports, Transunion and Experian, and find flaws in your credit file. That’s why it is extremely important to use a credit repair service that repairs not one, but all three of your bureaus.

Credit Repair:

Credit repair is a process that can take time. Although we aim to move your case along as quickly as possible, the credit bureaus, creditors, and collection agencies have up to 30 days to respond each time we contact them regarding your credit. However, on average, most clients utilize our service between three to eight months.

Should I continue paying my current monthly bills while going through the credit repair process?

Yes, continue to pay your current monthly obligations on time to avoid any further damage to your credit. Your payment history has a 35% impact on your credit score and missed payments will cause your credit score to decline.

If an item has already been charged off and has gone into collection status, avoid paying the account and consider the pay to delete method.

I was told that I can dispute my accounts online, should I do this?

Submitting your disputes online is convenient for the credit bureaus, but online disputes are a horrible idea if you want to maximize y chances of a successful dispute.

When you submit a dispute online, it goes into an expedited dispute resolution process, which is better known as “EDRP”. This may sound great, but the Fair Credit Reporting Act states that if a dispute is submitted online, the credit bureaus don’t have to comply with certain sections of the law. Typically, when an item comes back as “Verified,” you can request the “method of verification,” but if the account is disputed online, the credit bureau can ignore this part of the law. If you are looking for the best possible result, avoid disputing online.

The short answer is Yes, credit repair is legal. But don’t just take my word for it, there are federal laws which prove that credit repair is legal. The government gave you, me and every other citizen of this country the right to legally challenge any information on our credit reports.  Every negative account on your credit report must meet three very specific requirements or it must be removed:

Must be reporting 100% accurately

Must be 100% verifiable

Must be reporting within allowable timeframe Read More

That includes items like charge-offs, collections, student loans, judgments, tax liens, repossessions, foreclosures and any type of negative item you think of.

Yes, you absolutely have the right to attempt credit repair on your own or hire a professional credit repair company if you choose. To go a little further, hiring a credit repair company is legal, so don’t let anyone convince you otherwise. The Credit Repair Organizations Act is the law that governs the actions of credit repair companies to make sure you don’t get sucked in through false advertisement and illegal practices. So think about it, if using a credit repair company wasn’t legal, would there be a law passed to control the behavior of an industry that’s illegal.

That wouldn’t make sense, would it. Here is the link to check out the Credit Repair Organizations Act.

There are many factors that impact your credit score. We cannot make accurate predictions as to how much your score will go up. This is because many of the factors that influence your credit score are outside of our control. Only you have completely control over the factors that contribute to your credit score. For example, let’s say when you start with us your credit cards are at 10% of the limit and two months later you are at or over the limit. This will cause your score to go down because your utilization ratio has a 30% impact on your score. This is a factor that only you can control. Also, if there is a new collection or judgment that appears on your report, it will cause your score to go down. Leaf Credit Repair can guide you, but only you are in complete control of your credit score.

Paying off a collection account does not mean that it will be removed from your credit report. Once you pay a collection, it will report for seven more years from the date the payment is made. If payment is made and the account is updated to recently “paid,” then it will have a greater positive impact than a collection that has been unpaid for a period of time. 

If you want to move forward on paying collections and wish to have them removed, we recommend you use the “Pay for deletion letter” provided in the resources area.

Using the pay for deletion letter does not guarantee that the item will be removed, but it does greatly increase your chances. Be sure to utilize it before you make any settlements or payments.

Having a larger credit limit will help you stay within a card utilization rate goal of 30%. However, you may need to deposit at least $300 to $500 for your card. Then, your actual limit will be either the total amount or some percentage of that amount. A smaller limit might be a good starting point, but everyone’s limit recommendation will vary depending on their unique financial situation.

Yes, you can. However the process is complex and time consuming. To be effective, you need to learn the quite a few credit skills, and are required to wear the hats of an attorney and CPA. The question is: How valuable is your time, and do you have the aptitude and inclination to put in the necessary time and effort? Our preferred credit dispute experts (and on staff attorneys) are credit restoration professionals. They work day and night, 24/7, to protect your rights in accordance with all applicable consumer protection laws. With the sheer volume of accounts handled they have the expertise to complete a task faster and more efficiently than a layperson could.  But just as you might not choose to repair you own vehicle, it isn’t necessary to tackle credit repair alone.

Absolutely not! Paying off a negative item doesn’t affect whether or not it’s shown on your report. Erasing an item from your report does NOT excuse you from payment of your debt. It just means that it will not appear on your report when a potential credit grantor is viewing it. If you choose not to settle an unpaid item it may put you at risk for the creditor taking additional action that can again destroy the credit you have just worked so hard to repair (as in submitting it to a collection agent or a small claims court action filing). It’s best to obtain professional assistance to negotiate a settlement of unpaid debts.

Although this is a very logical assumption, unfortunately it is not true. There is nothing logical about the credit reporting system. An item will actually appear on your credit report longer if you make a payment. This is because any activity causes the seven-year time clock to reset and begin again. Surprisingly, a negative debt that has been paid in full is not viewed any differently than a debt that has not been paid, and has a negative listing. In the majority of cases, when you don’t use professional help, you will not get too far by paying off the old debts. Regrettably you may sink even further behind. 

 

Ordering free credit reports is not recommended when you are going through the credit restoration process. Free credit reports often lack the detailed information needed to properly prepare your disputes. For example, free credit reports don’t provide your monthly payment history associated with each of your creditors . You may invest a few dollars when you purchase a report from an online website, but it is worth the investment.

Each one of the three major credit bureaus will reflect at least one-third of your total credit history. If you are requesting a credit card, someone can look at your Equifax report and find nothing that would keep the credit card company from issuing you the card. However, they might also look at your other reports, Transunion and Experian, and find flaws in your credit file. That’s why it is extremely important to use a credit repair service that repairs not one, but all three of your bureaus.

Yes, our methods of disputing have proven to remove any type of erroneous late payment whether it is 30,60,90,or 120 days late. We see more erroneous late payments being removed than any other negative erroneous item.

Yes, collections can be removed for many reasons, including being incorrect, outdated, untimely and unverifiable etc.  We also can recommend a licensed debt negotiation service that can have your collections and other outstanding debts negotiated in most instances by 50%.  But remember that paying off debt does not get it removed from your credit report and score. The debt negotiation service may require a separate fee, which is not included in the cost of services provided by Credit Pros.”

Yes, our proven methods of dispute can remove erroneous repossessions. Repossessions are difficult to remove, so the percentage of removals would not be as high as a simple erroneous late payment for example. However, there is no action step or approach that we won’t take.

Yes, erroneous foreclosures can be removed. Although they are very difficult, we again take every step possible to do so.

We generally tell our clients they shouldn’t expect their bankruptcy to be removed. Simply because, bankruptcies are public records, and tend to be in most cases the most difficult to remove if they are still within 7 years old. Our service has been known to remove erroneous bankruptcies with an impressive 35% success rate. Knowing what to do after you have filed for bankruptcy however is more important. Ask your representative for details. Our advice is if you have a bankruptcy on your credit record, you still will benefit greatly from our service due to the removal of so many other negative erroneous items on your report. However, please understand there is no way to guarantee the removal of such a serious public record—no one can. Any company or individual who promises to remove your bankruptcy (assuming it is recent and has not legally expired) is not being honest with you. We understand and practice every legal method possible—and we know credit repair.

Late payments that are erroneous on student loans can be removed, although student loan debt cannot be settled.

Yes, a creditor must provide documentation showing you applied for credit with their company, if they do not provide proper verification then the erroneous inquiry is removed.

A better question would most likely be “what item cannot be removed”. We can remove anything erroneous you can imagine, here is a list of some :

  • Late Payments
  • Charge Offs
  • Foreclosures
  • Judgments
  • Repossessions
  • Personal Identification changed or corrected
  • Closed Accounts
  • Bankruptcies
  • Negative Settlements
  • Liens
  • Collection

Tradelines:

Credit score changes vary depending on a number of circumstances. The current state of your credit report will play a large factor, as well as the services you choose to purchase.

While there is no definitive answer regarding the amount of your score will increase, this method works with these three understandings:

  1. Adding more credit cards to your credit report will result in larger initial boosts to your score.

  2. The fewer credit cards that are listed as currently open on your account, the higher the boost can be as credit cards are added to your report.

  3. Credit cards with higher limits and longer account histories will result in larger boosts to your credit score.

Tradelines come in many varieties. Accounts can be either “seasoned” or “new.” Seasoned tradelines are those with a substantial account history, while new accounts have been recently opened. Comparatively, seasoned accounts have a more positive effect on your score while new credit lines can temporarily lower your credit score until the account matures.

The secondary characteristic of each account involves how the user is listed on the account. Primary users refer to those who are personally managing the account. In contrast, an authorized user is often considered secondary to the primary user. While being an authorized user can be beneficial to your score, it may have less impact that being a primary user.

Previously, a variety of companies advertised the ability to add Seasoned Primary Tradelines to a customer’s credit report. Not only could this provide a significant boost to a person’s credit score, but it could also mislead underwriters regarding the credit worthiness of the individual. Since the practice was considered fraudulent by many law enforcement organizations, many of these companies were ultimately shut down.

For those reasons, BoostMyScore.net does not provide customers with the opportunity to add Seasoned Primary Tradelines. Additionally, BoostMyScore.net does not assist clients in opening New Primary Tradelines, as these can harm your credit score.

BoostMyScore.net helps clients by adding Seasoned Authorize User Tradelines. These deliver astonishing boosts to one’s FICO Credit Score, without any of the negative connotations associated with some other options. With Seasoned Authorized User Tradelines, a rise in your credit score is guaranteed.

Our service guarantees that the agreed upon credit card(s) will appear on a minimum of one of your three major credit reports within 60 days from the first expected monthly reporting date. In the majority of cases, the credit card(s) will appear on your credit report within 30 days. In some cases, they will appear within one to two works.

If the credit card(s) fail to appear, you will receive a full refund.

Primary cardholder contracts require you be listed as an authorized user on the credit card account for no less than 60 days. Based on those agreements, we will guarantee the credit card(s) will remain on your credit report for a period of no less than 60 days. In the event unforeseen circumstances cause the credit card(s) to fall off of your credit report prior to the 60 mark, we will either issue you a pro-rated refund of any service fees based on the number of days the credit card was present on your report, or we will re-add you to the credit card for one additional reporting cycle for no additional cost.

If customers are looking for additional credit score boost after the 60-day lease is complete, your lease can be renewed under the same terms of your original agreement.

Once your lease has expired, your status as an Authorized User will be removed from the credit card(s). However, most credit card companies tend to leave the account history on your credit report for a period of six months to several years.

The long-lasting benefits of these accounts give you the ability to access more favorable financing and employment options. It will also make it easier to continue improving your credit score over time, though you may be able to continue making improvements while paying lower interest rates than you were previously.

It is important to note that the credit card company may remove the information from your report as soon as you are removed as an authorized user. In that regard, it is often best to avoid procrastinating if you were hoping to qualify for a new line of credit on your own. If your intention is to continue improving your credit score, then the loss of the credit card(s) from your credit report will have a less notable effect on your plans.

Now that you have a higher score, you should take a moment to enjoy the feeling. Then, apply for the loan you had your eye on, or apply to the job you wanted. You can even renegotiate the premium of your homeowner’s or auto insurance, or go forward with starting your own business.

But to make an effort to take care of your new credit score. Don’t acquire debt for the sake of spending money. Now is not the time for a meaningless shopping spree on your newly available credit line. While it can be easy to succumb to temptation or fall into old patterns of using credit irresponsibly, by maintaining self-control and making logical decisions, you can become the master of your financial future.

Instead of risking your new credit score, be smart about your actions. Plan ahead for your expenses, and stick to your plan. Treat your new credit score kindly, and you can make the choices that can take your credit score to even newer heights. Remember, good credit customers pay off their ENTIRE balance in full every month. By putting this into practice, you will be repaid with more favorable rates and better financial options for the rest of your life.

Once you finalize a loan with a bank or credit union, the financial institution is contractually bound to honor the terms of that agreement. That means your rate cannot be changed simply because you are no longer an Authorized User on an account as long as the loan processing has been closed. However, if the tradelines fall off of your credit report before the loan has closed, the terms may be changed based on the standard policies of the financial institution to which you applied.

WITHIN JUST 90 DAYS

PAST CLIENTS SAW A 129 POINT
CREDIT SCORE INCREASE

SEE OUR PRICING PLANS

FREE CREDIT REPAIR CHEAT SHEET

WAIT! BEFORE YOU GO

DID YOU KNOW…

NEGATIVE ACCOUNTS CAN BE REMOVED EVEN IF YOU DIDN’T PAY

AFTER PAYING A NEGATIVE ACCOUNT, IT WILL STAY FOR 7 YEARS

YOUR CREDIT SCORE WILL DROP AFTER PAYING A NEGATIVE ACCOUNT

FREE CREDIT REPAIR CHEAT SHEET