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|  What if I don't hear from the credit bureau?
How often should I expect to get mail from the credit bureaus?
What should I do with the credit report mail I get from the credit bureaus?
What can be taken off of my credit bureau report?
What can not be taken off my credit bureau report?
Will what comes off my credit bureau report ever come back?
I need the most accurate information reported to my vendors. When I go buy a car or a house what should I do?
What are the risks I will be taking with restoring my credit? Will the credit bureaus penalize me?
Can I fax my credit bureau reports to you?
What is a Credit Bureau?
Are all 3 credit bureaus important?
How long does information remain on my report?
Why do Credit Bureaus not want me to use a Credit Repair Company?
How long will it take Fresh Start Credit to restore my credit?
Does Paying Off My Bills Repair My Credit?
What can I do if I have no credit at all (good or bad)?
How does a Credit Bureau make money?
Who can see my credit report?
Why should I use a Credit Repair company?
How does Fresh Start Credit do this legally?
What if Deleted Items Reappear on My Credit Report?
Do You Guarantee Your Service?
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What if I don't hear from the credit bureau?
If 12 days go by and you don't hear anything from the credit bureaus please contact us. Sometimes the credit bureaus don't get your letter request, and sometimes they just want to ignore you. [top] |
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How often should I expect to get mail from the credit bureaus?
Approximately every 36 days you should expect to get an updated credit report. [top] |
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What should I do with the credit report mail I get from the credit bureaus?
Fax the information to us or make copies and mail the copies to us. [top] |
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What can be taken off of my credit bureau report?
We can take off unpaid collections, charge-offs, repossessions, bankruptcies, medical bills, foreclosures, tax liens, civil liens, student loans, inquiries, old addresses, all names but one, judgments, and divorce debt. [top] |
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What can not be taken off my credit bureau report?
Legitimate debt
Alimony
Child support [top] |
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Will what comes off my credit bureau report ever come back?
On average only one out of 2,500 to 3,000 items will re-appear when we get it off the second time. After it has been deleted two times, by law it can't be put back on your credit report. [top] |
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I need the most accurate information reported to my vendors. When I go buy a car or a house what should I do?
Call the business from which you are going to make a purchase and ask which credit service they use to pull your credit bureau. Get the name and address of the service, and we will notify them to update their files. This will help your transaction to go smoothly. Most credit services do not have updated information for 5 to 20 days. [top] |
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What are the risks I will be taking with restoring my credit? Will the credit bureaus penalize me?
There are NO risks. The only thing that will happen is that we will make your credit bureau report better for you or refund your money. [top] |
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Can I fax my credit bureau reports to you?
YES. [top] |
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What is a Credit Bureau?
Credit bureaus track personal, financial and credit information on individuals. This includes information taken from public records, personal identification and debt information. With the exception of back child support payments, creditors supply information on a voluntary basis. Credit bureaus are strictly private 'for profit' entities, and are not government institutions.
How many are there?
There are 3 major credit bureaus: EQUIFAX (also known as CSC), TRANS UNION and EXPERIAN (formerly known as TRW). [top] |
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Are all 3 credit bureaus important?
The three (3) major credit bureaus pass information to additional minor or less well-known credit bureaus. Each major credit bureau therefore will cover at least one-third of your total credit history. And even though your credit report may display the name of an otherwise unknown small credit bureau, the fine print will show a major credit bureau is ultimately supplying the information. [top]
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How long does information remain on my report?
Credit bureaus report credit information for a period of seven (7) years. Some states have special provisions for collections and paid liens. Chapter 7, Chapter 11 and Chapter 13 bankruptcies are each reported for 10 years. Tax liens and judgments are also reported for 10 years, all measured from the date of the filing. Inquiries report for two (2) years. [top] |
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Why do Credit Bureaus not want me to use a Credit Repair Company?
The credit bureaus will tell you that it is easier and less expensive to do it yourself. While it may be true that you have the right to repair your credit yourself, many individuals do not have the time, experience and organizational savvy necessary to deal with bureaucracies. You must also spend hours of study to gain a working knowledge of the consumer laws available to you. Many who start repairing their credit turn to a credit repair company after months of work and frustration. [top]
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How long will it take Fresh Start Credit to restore my credit?
Again there is no definite answer, only definite advantages as the time varies depending on the initial credit status of each customer. On average it takes between 45 and 120 days for Fresh Start Credit to restore your credit. [top]
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Does Paying Off My Bills Repair My Credit?
You would think that would be true. But again, the credit reporting system just doesn't work that way.
When you pay an old debt, the negative credit listing doesn't disappear. In fact, it re-ages and the seven year clock begins again with that negative listing. And, the most ironic thing is that a paid, current negative listing is not any better than an unpaid negative listing. That's not always true, but in most cases you won't get much further by paying the old debt. [top] |
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What can I do if I have no credit at all (good or bad)?
In that case a credit repair service may not be the best thing for you. Lenders are typically more amenable toward extending credit to persons with no credit history, than to persons with a history of bad credit. A steady source of income, money in a bank account, or a relative willing to cosign your credit application may be all you need. [top] |
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How does a Credit Bureau make money?
A credit bureau is a commercial business. It makes money by selling your credit report to others. A person with bad credit means more business for them as such a person applies for credit about ten times more than a person with good credit. [top] |
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Who can see my credit report?
Anyone who wants information for a business transaction between you and them may obtain your credit report. This may include aninsurance company, a prospective landlord, a prospective employer, a collector, or a government official. [top] |
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Why should I use a Credit Repair company?
The most common reasons are that individuals have already tried themselves and obtained limited results, or they just don't have the time to undertake this task. If you decide to use us, you can be assured that you will be receiving the best assistance and service possible. [top]
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How Does Fresh Start Credit do this legally?
Disputing your credit report is your right. Credit restoration is as legal as pleading "not guilty" in a court of law. [top] |
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What if Deleted Items Reappear on My Credit Report?
On occasion, a negative listing that was recently deleted will eventually be verified by the creditor. The Fair Credit Reporting Act requires that the credit bureau inform you of reinstatement of a previously deleted listing. The FCRA also makes it more difficult for credit bureaus to re-report listings. Because of these factors, it is fairly rare for listings to come back on your credit history once they've been deleted. If an item is re-reported, it is a simple matter to challenge the listing again at a future time in order to press for permanent deletion. [top]
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Do You Guarantee Your Service?
Yes. If we do not improve your credit score, we will refund your money! [top] |
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