Frequently Asked Questions (FAQs) Does Credit Repair Work?
Although the credit bureaus would like to have you think otherwise, there is absolutely nothing illegal about disputing items on your credit report. In fact, it is your explicit right by law to do so (see Fair Credit Reporting Act). Credit Report Repair is as legal as pleading “not guilty” in a court of law. It is your right to challenge any information on your credit file that is not 100% accurate. Most creditor and collectors use their empowerment to report high dollar amounts and incorrect dates to increase their chances in collecting.
Does CC Credit Solutions offer any guarantees?
Yes, if you are not satisfied with our services we will refund your money. The only guarantee is 100% customer service. No credit repair company can guarantee a specific outcome, but we can give you realistic goals.
How long will take for CC Credit Solutions to repair my credit?
The average client may take around 6 months and get 50-70% percent deletions on all 3 credit bureaus. You may be that client that takes a few months and gets 100 % off all data deleted immediately. All results vary and CC Credit Solutions will make sure to make a personal credit assessment.
Do I have to sign a long term contract?
Our company offers a month to month service with NO CONTRACT. You can cancel at anytime with a 30 day notification.
Does CC Credit Solutions bill in advance for Services?
No! In compliance with the Credit Repair Organizations Act, we only charge for credit repair services after they have been fully rendered.
Is CC Credit Solutions Bonded?
Yes. CC Credit Solutions is registered as a credit services organization through the Secretary of State. Our company carries surety bonds as required by various state laws.
How does CC Credit Solutions protect personal information?
The personal information that we collect is limited to the information that you provide to us when you sign up and use our services. This information consists of your name, address, email address, phone number, social security number, date of birth and billing information. CC Credit Solutions safeguards the security of the data you send us with physical, electronic, and managerial procedures. Our company is paperless and shreds all documents daily.
What if Deleted items reappear on my credit report?
The Fair Credit Reporting Act requires that the credit bureau inform you before the reinsertion of a previously deleted item. It is fairly rare for items to come back once an investigation resulted in deletion. This misconception is what the bureaus want the consumer to believe because if there is no dispute the bureaus don’t have to work the item.
How do I get my credit reports?
You can get your credit reports through www.annualcreditreport.com for free from each bureau once every 12 months. CC Credit Solutions can help you with this process as part of the Free Consultation in minutes.
When does CC Credit Solutions disclose personal information?
CC Credit Solutions will not share, sell, transfer or convey your personal information to any unaffiliated companies or third parties. CC Credit Solutions maintains strict policies for all employees when it comes to sharing personal information internally.
Does paying my bill repair my credit?
When you pay an old debt this does not remove the item from your credit report or increase your score. Once paid, it could re-age the date of last activity and your score could drop.
Do I need to pay my bills?
If an item is deleted from the credit bureau the debt does not go away. The debt is still owed and can still be re-reported if not paid. We only disputing the accuracy of the item.
