Frequently Asked Questions

Why credit report repair?

In the United States court system, you are presumed innocent until proven guilty. However, it seems like in the credit system, you are guilty until you prove your innocence. The credit companies collect and distribute your private information without your knowledge at times and without your permission. So if credit bureaus are going to collect and sell information about you, they should also have the responsibility to make sure it is accurate and up-to-date.

With this in mind, you have the legal right to challenge the information that is in your credit report. Data that is not correctly validated under the law has to be deleted regardless of whether it is true or not.

A properly presented case can make it very expensive for the credit bureaus to defend an item. That’s because a generic form is not acceptable when verifying that an item is accurate. Credit bureaus usually don’t want to spend the time or money to dispute a claim, no matter how accurate it is, if it is going to be a long drawn out process. It costs them too much money. And if the credit bureaus do happen to confirm something that is on your credit report, the Credit Repair Specialist that has been assigned to you will just increase the intensity of their challenge. This makes it even more costly for the bureaus. In our opinion, using a credit repair company or an Attorney is essential.

Why do I need a credit repair company? Can’t I do this myself?

Yes, you can. It is possible to fix your own credit, be your own attorney, be your own CPA or build your own home. With the right amount of time and energy, you can learn to do the things that we will do for you. So yes, you can do this on your own. But just as you might not choose to repair your own vehicle, it isn’t necessary to tackle credit repair alone.

Credit Falcon is a team of certified and experienced credit restoration professionals. We work hard to protect your rights, according to the applicable consumer protection laws. Because we are professionals, it is likely that we’ll be able to complete a task in a quicker and more efficient manner than you would. The real question is: “How valuable is your time, aptitude and inclination to learn this work?”

Are accurate items required by law to stay on my credit report for 7 years?

Not at all. The law limits the length of time that negative items can remain on your report to a maximum of 7 years. But the credit bureaus are able to delete these negative items any time they deem fit.

Am I required to know all the details of my credit report before I contact you for services?

Nope. Most of our members were not even aware of all the negative things on their reports until they were denied credit. Your Credit Consultant can let you know right away what items need to be taken care of.

How much time will it take before my credit is restored?

No one can predict how long a case may take. Every single case differs substantially. It wouldn’t be right for any company to state just how long any one case would take. However, on average, our clients are seeing results in as little as 90 days. In some cases, you could see results within the first 30-45 days.

Must I pay off negative items before they can be removed from my credit report?

No. Paying off a negative item doesn’t affect whether or not it’s shown on your report. But please realize that 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). Obtain professional assistance to negotiate a settlement of unpaid debts.

Will paying off all of my bills return my credit to good standing?

Although this is a very logical assumption to make, 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 pay it than if it goes unpaid. 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 utilize professional help, you will not get too far by paying off the old debts. Regrettably you may sink even further.

Will deleted items go back on my credit report?

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 again and press for permanent deletion.

Will I establish a new Social Security or Tax ID number, or receive a new credit line?

Absolutely not! These methods risk loss of freedom, income, and community standing. If you see an advertisement for “NEW CREDIT FILE OVERNIGHT,” steer clear!!! By using our credit repair services, we legally challenge the credit bureaus, exercising the rights extended to you by Congress, forcing the deletion of adverse information from your credit report.

Is there any guarantee with this program?

Our services are backed by a refund policy which entitles you to all of your money back if you don’t get results. Our team has had extremely positive results, which is why we are prepared to back our claims.

Will I be approved for credit upon completion of the service?

As long as you have a clean credit report and meet the other requirements of the credit grantor, you should be approved for credit. Even if you’re able to get credit, that can also be limiting. You can add positive trade lines to your credit report via Member Services.

How will I receive updates on the progress of my account?

You will receive credit reports from each of the three primary credit-reporting agencies on a regular basis. You should see items being removed from your reports as you receive them. You will also have 24/7 access to a client portal that will allow you to view your credit scores, pending disputes, deleted items, and more.

How do I get started?

Getting started is as easy as 1,2,3.

  • First, give us a call or schedule your FREE consultation. During your consultation, we’ll address your credit concerns, dive a little deeper to discover your goals and expectations, and answer any service related questions you may have.
  • Second, you’ll receive a FREE credit analysis. We will thoroughly analyze your credit reports, help you better understand what it entails, and formulate a solid game plan to get you the best results as quickly as possible.
  • Third, we go after the credit bureaus and the creditors on your reports right away, tackling every error and questionable item on your credit reports until we achieve the best possible outcome for you.

Ready to repair your credit?

Click the button to schedule a FREE Consultation, or enter your name and contact number in the form below to Request A Callback.