Frequently asked questions
What is a Credit Sweep?
A proprietary process for removing negative items from your credit report, opening up more possibilities for your financial future. We do this extremely fast in comparison to traditional credit repair.
We perform the work with modern strategies to accommodate the ever changing industry. Deletions start occurring within the first 45 days.
For most clients, the best results happen within the first 60 – 90 days.
Are Credit Sweeps Effective?
ABSOLUTELY! This is highly effective for a credit score after a collection, delinquency, bankruptcy, divorce, Identity theft, judgement, late payment, or foreclosure. We work on all of these.
79% of all credit reports contain errors! This means that most credit reports can be improved instantly.
We work on correcting inaccurate and misleading personal data on your credit report. Also inaccurate and unverifiable credit and collection information must be complete, accurate and verifiable otherwise you have the right to dispute the account.
How Long Does It Take?
Every credit report is different. If additional rounds are needed, it will be an additional 30 days for each round.
Note that you will continue seeing improvement throughout this entire process given you follow our guidance to maintain your results and empower a lifetime of good credit decisions.
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Typically it takes 30 - 45 days for the first round of results. Some client's may take additional time if additional rounds are needed. This is on a case by case scenario.
Should I Close My Old Credit Cards?
NO WAY! Old established seasoned accounts are built into your account history which is a huge chunk of your credit score.
If you have old credit card accounts that you want to stop using, just cut up the cards or keep them in a drawer, but keep the accounts open.
If you close an account, you can expect an immediate drop in your credit score because it will decrease the average age of your credit history.
Old accounts are your positive credit. Positive credit takes YEARS to build and if you ever needed to purchase it in the form of a tradeline, it is very expensive. Your old accounts are important, do not close them.
What is the difference between a Credit Sweep and Credit Repair?
The main difference is the time frame, fee schedule and process.
Our credit sweep is proprietary, and extremely expedited in comparison to traditional credit repair.
Deletions can start occurring within the first 45 – 90 days. Traditional credit repair takes 6 – 14 months while incurring a monthly fee, and results are dragged out throughout that time frame.
Expect a couple deletions (if you are lucky). Credit repair is a likely waste of 6 – 14 months of your time, money and energy.
Are Credit Sweeps Legal?
A credit sweep is a form of credit repair which is 100% legal and it works because of the law.
The Fair Credit Reporting Act (FCRA) gives you the right to dispute any item on your credit report. If an item cannot be verified, it must be removed. This is the basis of all credit repair.
The FCRA is a U.S. Government legislation enacted to promote the accuracy, fairness and privacy of consumer information contained in the files of consumer reporting agencies. It is intended to protect consumers from willful and or negligent inclusion of inaccurate information on their credit reports.
DID YOU KNOW YOU CAN GET CERTAIN INQUIRIES REMOVED
You can. But not by yourself...
We can help to remove certain pesky credit inquiries that are hurting your credit score, causing you to get denials.
HERE IS HOW IT WORKS:
All 3 credit bureaus included
Up to 100 inquiries, not associated with open positive accounts
Less inquiries = more approvals and higher credit score.
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Typically it takes 30 - 45 days for the first round of results. Some client's may take additional time if additional rounds are needed. This is on a case by case scenario
ReplyForward.
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How Much Does It Cost?
We have made it AFFORDABLE to everyone.
Give us a call to see which plan will work best for you given your goals and outcome.