FAQs
IS CREDIT TRAINING AND EDUCATION WORTH MY TIME AND MONEY
Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/ or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.
WHAT ITEMS CAN YOU HELP ME REMOVE AND IMPROVE
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
HOW LONG DOES THE CREDIT REPAIR PROCESS TAKE
By law we can not guarantee a specific time period nor can we guarantee a particular number that your score will increase by. Every situation is different but some of our clients have seen their scores increase significantly within 3-6 months. We can guarantee that we will be dedicated in helping you reach your goals! IN ADDITION TO STARTING THE CREDIT DISPUTE PROCESS WITH YOU , WHAT CAN I DO TO HELP RAISE MY CREDIT SCORE
✔ • Pay all of your bills on time, every time. This includes your utility bills, mortgage and auto payments, and all of your revolving lines of credit like credit cards. Check your credit report at least once a year. You can find out how to challenge bad information on your credit report here.
✔ • Never charge more than 20% of the available balance on any of your credit cards. Banks like to see a nice record of on-time payments, and several credit cards that are not maxed-out. If you are carrying high balances on your credit cads, then make paying them down below 20% a priority. Do use your credit cards – Many people who make mistakes with their credit believe that the best way to fix things is to never use credit again. If you are afraid that you cannot handle your credit cards correctly then the best policy is probably this one: Run only your utility bills on your credit cards each month, and then pay the balance in full by the due date. This ensures that your utility bills get paid on time automatically, and as long as you keep the habit of paying off your credit card balance each month your score will continue to go up. Leave the credit cards locked in a safe or drawer at home.
HOW SOON SHOULD I START REPAIRING MY CREDIT?
✔ YESTERDAY! If you have goals of buying a home, or wanting a new vehicle soon getting started today can save you a huge headache tomorrow.
IS CREDIT REPAIR LEGAL?
✔ Absolutely! Credit Repair is simply a process that uses the law to help you dispute inaccurate information found on your credit
report. Our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore, most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare
documents that challenge this and we are very skilled at that.
WHAT IS THE MONEY BACK GUARANTEE?
If you are a Secure The Bag Financial client who has received 0 deletions in your first 120 days, you have had no new collections, no new missed payments, you have not worked with another credit repair company in the last 12 months, you have most importantly maintained credit monitoring services at all times during the time frame we are assisting you, and you had no one else besides our company working on your credit (including yourself) you will be entitled to a full refund. (minus your credit aufit fee). No questions asked. (You must give us at least 120 days to work to be eligible for a refund) In exchange you are agreeing to FORWARD ALL CORRESPONDENCE to Secure The Bag Financial within 5 days of receiving them. Otherwise, you will NOT be eligible for the money back guarantee.
