FAQ
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FAQ’s
…And the Answers from CER
Is credit repair possible?
Contrary to what the credit bureaus would like you to believe, credit repair does work and can work for 100% of people in most circumstances. This is, of course, provided you are getting the best advice and have an experienced professional working on your case.
Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit repair; however, there are times when your own limitations make adhering to this advice impossible. The two limiting factors are: (1) your financial situation and/or (2) the time-frame in which you need to reach your results.
What can you do that CER cannot?
We act as your representative due to our working knowledge of credit scoring and experience working with creditors and credit bureaus. It may often be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting.
How long will it take to raise my score?
Through our services, 93% of our clients see FICO score increases of 10 points or more in the first 35 days. Over the full 180 day term of the contract, the average FICO score increase is 50 points.
Overall results vary by your current credit score. For example, if you have a credit score of 500 there is more opportunity to increase your score by more points than if your credit score was 700.
Why are your results different?
There are two sides to the credit score battle. Sometimes, your creditors and the bureaus have done absolutely everything right and we have no case against them. On average, Credit Education Resources is able to remove 70% of the negative items from a credit report.
Unlike other companies we also give you the opportunity to raise your own credit score by using the tools we provide for you. So you have the opportunity to control your results and that is what makes us different. (Link Bad A$$ Credit Repair Kit).
Will the removed items come back?
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
What items can we remove?
Through our services, we can normally remove the following inaccurate claims: collections, charge-offs, medical bills, credit card debt, inquiries, late payments, inaccurate personal information, old addresses, judgments, and tax liens. On some occasions we may also be able to remove the following: bankruptcies, foreclosures, repossessions, and student loans.
What items can’t we remove?
We cannot and will not remove accurate information on your credit report per the Fair Credit Reporting Act. Credit Education Resources helps guide people to a better credit score.
How much does it cost?
As low as $29.99 per month! We charge no hourly fee. (Link) Contact us for the lowest custom quote and a free credit consultation.
Depending on the amount of work your credit report will take, Credit Education Resources charges less than a few hours of normal attorney’s retainers to work on a clients file. There are no hidden fees. Credit Education Resources is one of the wisest investments in yourself and your future you can make.
*Sometimes clients have charge-off or collection accounts that they want us to settle for them. These settlements are either done with the intention of saving the client money or with the goal of paying in return for an agreement to delete from the creditor.
These services are the only services we charge additional money for, due to the extra amount of work involved in settling accounts.
