FREQUENTLY ASKED QUESTIONS

Credit consulting works for 100% of people in most circumstances with the right experts and professional advise. Anyone who falls below a credit score of 600 is considered to have bad credit and may be denied by lenders, credit card companies, be charged higher interest rates, demanded more collateral, and/ or be required to provide extensive verification of income and assets. If the creditor does not adhere completely to the federal law when filing negative information on your credit report in a specific period of time, you have the right to dispute the file and remove it from the credit report, improving your score significantly.

We prefer to speak with our clients personally and establish a trusting relationship. We advise you to call us for a free consultation at (888) 872-7413. You can also sign up online. When we receive your information, you will have to obtain a copy of your credit report.

You can obtain a free copy of your credit report (without your credit score) at:
www.annualcreditrepot.com
OR calling 877-322-8228
OR filling out the Annual Credit Report Request Form and submitting it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You can also buy your report from either one of these credit bureaus, which will contain your credit score:
www.expedian.com
www.transunion.com
www.equifax.com

There is a difference between a credit report and a credit sore, which consumers often confuse. When you obtain a copy of your free credit report, it will not contain your credit score. Your credit report illustrates a history of all your finances, such as past payments, total debt, etc. Your credit score is a grade or a number that indicates your financial potential at repaying or paying off a loan you are applying for based on your credit history and will not be included with your free credit report. It is important both for you and our service to know your credit score so that we can all see the improvements that can be made working with your credit report.
We will begin processing disputes after our consultation with you and our legal advisors based on the credit report and the credit score you submit to us.

We will review your credit report with you free of charge to determine different ways of repairing your credit. We will analyze possible disputes of information that negatively impacts your credit score and consult with you on how to best improve your credit score.

We will analyze and examine your credit report in extensive detail. We will identify the reasons or the causes for the low credit score you’ve obtained. We will identify anything that requires a dispute or correction to improve your score. We will work with our legal staff and contact the credit bureaus by writing letters and by phone to dispute any inadequacies, errors, etc.

$199 set-up fee
$99 a month For 12 months

According to consumer credit file rights under state and federal law, you have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

Within the course of 6 months after your enrollment with Credit Freedom USA consultants, you will be informed about results. In 93% of our cases, the FICO score of our clients increased significantly during the full course of 12 months. In the process of our service, we will continue to advise you on ways which will prevent your from lowering your score or affecting your report in any negative way. On average, we have been able to remove 70% of items we disputed on our customers’ credit reports. The good news is that items that have been removed do not reappear on your credit report, guaranteeing your new improved credit score.

Absolutely not! We want to ensure you get results with our personalized service of our legal staff and advisors. Unlike automated dispute service, which gathers all derogatory information from your credit report and lets you select the information you’d like to dispute, we work on all the possible disputes that will bring up your credit score to ensure you obtain the full benefit of our service.

Yes, we guarantee that if we do not remove more than 25% of all disputes filed with all three credit bureaus within 12 months from the time of your enrollment, we will provide you with 100% refund guaranteed. We want you to give Credit Freedom USA consultants a chance to improve your credit score and we commit to our goal to the fullest extent with this guarantee.

When you sign up with a spouse, we offer you a special spouse discount. We understand that you may share some accounts with your spouse and would like to work on all your accounts for better chances of increasing your credit score.

One of the many benefits of credit repair with Credit Freedom USA consultants is our service in helping you open up a secured credit card. A secured credit card is a card, which requires a cash collateral deposit that becomes the credit line for that account. If you open up a secured card with a $500 deposit, you will obtain a credit line of $500 on your secured card. Obtaining a secured credit card is an effective way of building good credit history.

Our Privacy Policy guarantees a secure exchange of all the information provided, adhering to protecting all the information you provide us with from any third parties.

No, a request for your credit report has no impact on your credit score. The only request that does affect your score is a “hard” inquiry, which is obtained when you apply for a new credit. However, with a “soft” inquiry, which you will require, your score will not be impacted.

No, a credit report cannot be obtained by any credit repair company. The Fair Credit Reporting Act (Section 604) prohibits the credit bureaus from distributing credit reports to third parties for any reasons outside of the FCRA definitions of "permissible purposes" which include determination of credit worthiness, underwriting of insurance, and employment screening.