Can a Bankruptcy be removed from my credit reports?
If the information is accurate, the answer is no. However, frequently, the information is not reported correctly. We have ways of fixing that. While we cannot guaranee it, we will work diligently to make corrections that are warranted.
Does the Gold Program really work to move things along faster?
Yes, of course. What it takes is assigning you to a Credit Concierge(tm) that has exceptional abilities, and is dedicated to making things happen much more quickly than the normal route. To have more time dedicated to you personally, it takes more of a commitment both in money you pay and in the hours worked on your behalf. This is why the Gold Program was created…to help you make that home purchase or refinance happen quickly. Please contact us to see if you qualify for the Gold Program.
How are the Platinum and Platinum Plus programs different?
The thing to remember is this: if you have creditors/collectors hounding you at present or within the past six months before enrollment, or are behind on debts at the time of enrollment, then you need Platinum Plus! That program provides debt validation work as well as all of the items discussed in the Platinum Program. Platinum Plus includes forcing your creditors to validate the debt. There are certain rules to this that we are experts handling. If they cannot validate your debt under the guidelines we use, then your debt may be voided. Isn’t it work the extra $30 per month to have this feature work for you?
How often should I pull a copy of my credit report?
By the time you are at this stage, you have already signed up for a monitoring service. During the time you are with us, we recommend pulling your credit each month. Remember, the first results will come to your home in 30-45 days, so you may want to wait for 60 days the first time. Be sure to contact your Credit Concierge™ with any questions.
If I cancel early, what will happen to the work you have done?
Financial problems come in many forms. If you find that you cannot make a payment or need to cancel because of financial stress, what we have already accomplished for you will remain so. If there are items that have not yet been achieved, you may always re-enroll. If you re-enroll within 90 days of cancellation, there is no additional enrollment fee, but simply the monthly commitment needs to be honored.
What happens if I miss a payment?
Part of what we teach in our educational emails is responsibility to the debts you have incurred. But if you suffer a financial problem, and your automatic debit is not honored at your bank, simply get us on the phone and make new arrangements. If you fail to do so, then the company will try a total of three times to debit your account. If you have not made arrangements, all work on yoru account ceases, and $20 per attempt will be charged to your account. These penalties will need to be honored before resumption of your monthly commitment with us.
Why should I trust you to do this work?
We encourage you to read the testimonials of real customers and referral partners on our website, check our page on the Better Business Bureau website, and get a feel for our history since 1991. With more than 110,000 customer served, there are no verified negative experiences to view. That says something about the way the owner handles compliance as well as customer care. The loyalty of our customers is outstanding. You can become a raving fan of our business too, just by becoming a customer!