A presentation at the office

FREQUENTLY ASKED QUESTIONS

Everything You Need to Know

WHAT IS CREDIT REPAIR?

Credit repair is the process of addressing any questionable negative items that could be hurting your credit profile. If the bureaus and your creditors can’t verify these items are fair and accurate, they are required to remove them.

CAN BAD CREDIT BE CORRECTED OR DELETED?

The law entitles you to an accurate, fair and substantiated credit profile. If something on your credit isn’t right, you can correct or repair it with the credit bureaus and your creditors.

HOW LONG DOES IT TAKE TO REPAIR MY CREDIT?

Honestly, we can’t say. There’s no way to predict in advance how long it will take to repair your credit, as every credit situation is different. That being said, past members have seen a positive change in their report in as little as 45 days. However, credit repair typically takes takes at least 6 months on average and can go up to a year depending on the severity of the credit report. 
*Your results will vary and are not guaranteed.

IS CREDIT REPAIR LEGAL?

Yes, credit repair is legal and 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 are 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 but not offer proof. It is our job to prepare documents that challenge this and we are very skilled at these type of situations.

WHEN SHOULD I START REPAIRING MY CREDIT?

The sooner the better. Especially if you have plans to buy a home or car soon, getting started today can save you a big headache tomorrow.

WHAT CAN I EXPECT WHEN I ENROLL IN CREDIT REPAIR?

We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of the techniques and regulations they have in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.

WILL THE REMOVED ITEMS COME BACK?

The credit bureaus will often delete a negative listing if they haven’t heard from the credit grantor after approximately thirty days. If the credit grantor reports late, say after six weeks, and then verifies the negative listing, the credit bureau will often reinsert the negative listing on the credit report. Usually, though, the creditor simply fails to respond and the negative listing is permanently deleted.
The Fair Credit Reporting Act also requires the credit bureaus to inform you before they re-report a negative listing. This law also contains provisions which makes it more difficult for the bureaus to re-list previously deleted items. If a deleted item is re-listed, Elite Financial Care will simply challenge the listing again and asks for a permanent deletion.

HOW DO I CANCEL SERVICES IF I NO LONGER NEED IT?

If we aren’t meeting your expectations or you no longer need our service, you can cancel at any time. Just remember, credit repair isn’t going to happen overnight.
To do so, you can cancel your engagement agreement at any time by calling 1-866-354-8390

WHAT IS YOUR 100% MONEY BACK GUARANTEE?

You are entitled to a 100% refund on all monthly payments if:
– We do not remove any of the negatives items from your credit reports within 180 days.