FAQ - First Choice Credit Repair LLC

Frequently Asked
Questions

Is Credit Training legal?

Yes, credit training 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 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 by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

Is Credit Training and Education worth my time and money?

Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.

Benefits of Credit Repair

Improved Credit Score: By addressing inaccuracies, errors, and negative items on your credit report, you can see an increase in your credit score over time.
Access to Better Opportunities: A higher credit score can make it easier to qualify for loans, mortgages, credit cards, and other financial products with better terms and lower interest rates.
Financial Freedom: With a healthier credit profile, you have more control over your financial future. You can qualify for better housing, lower insurance premiums, and even better job opportunities.
Reduced Stress: Dealing with poor credit can be incredibly stressful. Repairing your credit can alleviate some of that stress by giving you a clearer path to financial stability.

Legal Protection: Credit repair involves ensuring that your credit report is accurate and that your rights as a consumer are protected under the Fair Credit Reporting Act (FCRA) and other relevant laws.
Education: Working with a credit repair service can provide valuable insights into credit management, helping you understand how to maintain a healthy credit profile in the future.
Overall, credit repair can be a proactive step towards a brighter financial future, offering you more opportunities and peace of mind.

What is your 100% Guarantee?

No credit repair company can legally guarantee specific outcomes, such as a certain increase in your credit score or the removal of particular negative items from your credit report. This is because credit repair involves working with credit bureaus and creditors, and the results can vary based on individual circumstances and the accuracy of the information being disputed.
However, reputable credit repair companies often offer satisfaction guarantees or money-back guarantees

What we can offer you, that most credit repair companies wont

Long-Term Support: Innovative Technology: Exceptional Customer Service: Transparent Process: Education and Empowerment: Tailored Solutions:

Why are your results different?

There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.

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. (Such as Bankruptcy. Chapter 7 bankruptcy is 10 years and Chapter 13 is 7 years)

What items can you help me to remove and improve?

With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, and tax liens.