Credit FAQ

Your credit score influences the credit that’s available to you and the terms (interest rate, etc.) that lenders offer you. It’s a vital part of your credit health.

When you apply for credit – whether for a credit card, a car loan, or a mortgage – lenders want to know what risk they’d take by loaning money to you. When lenders order your credit report, they can also buy a credit score that’s based on the information in the report. A credit score helps lenders evaluate your credit report because it is a number that summarizes your credit risk, based on a snapshot of your credit report at a particular point in time.

Credit scores are often called “FICO Scores” because most credit bureau scores used in the U.S. are produced from software developed by FICO (Fair Isaac and Company). But it’s important to understand that not every credit score you can buy online is a true FICO Score.

CREDIT REPAIR IS ABSOLUTELY LEGAL! THE FAIR CREDIT REPORTING ACT GIVES YOU THE RIGHT TO DISPUTE ANY MISREPRESENTATION ON YOUR CREDIT REPORTS. CONSUMER REPORTING AGENCIES ARE REQUIRED TO CORRECT OR DELETE INACCURATE, INCOMPLETE OR UNVERIFIABLE INFORMATION WITHIN 30 DAYS OF DISPUTE.

By systematically disputing inaccurate, erroneous, and unverifiable entries on your credit report. Credit repair was made possible by the Fair Credit Reporting Act of 1971. Once a consumer has challenged or disputed items on the report, it then becomes the creditor’s responsibility to respond to those disputes by validating their accuracy or deleting them from the report.

This law gave ordinary consumers many new rights, one of the most important of which was the right to dispute inaccurate information on your credit report. There are other facets of the Fair Credit Reporting Act, allowing consumers to challenge the validity of their credit reports. More information from the Federal Trade Commission can be found HERE.

Credit repair is extremely effective. But results will vary GREATLY depending on your own knowledge and the methodology you use to dispute items on your report. Simply mailing off angry letters to the credit bureaus without fully understanding how their OCR and E-Oscar computers work will not yield positive results.

One of the main reasons credit repair is not as effective as it should be is that it is rarely executed properly. Going online to dispute the credit bureaus without knowing what you’re doing will be no more effective than sending letters.

We understand the “dos and don’ts” of the credit repair process. In addition, we have the knowledge needed to do the job right, and access to the most advanced dispute tactics in existence.

Credit repair is a legal process that involves deleting or correcting incorrect, out-of-date, or inaccurately reported information from your credit report on file with the major bureaus.

It’s a pretty normal question to ask: how long is this going to take? The honest answer is that it depends — on your goals, your situation and how much work you need done. We look at you as an individual and build your own personal Game Plan . You should begin to see results after 45 days however we ask that you be patient and give the process 6 months - 9 months.

If you find that you cannot make a payment or need to cancel because of financial challenges, anything we have already accomplished for you will remain the same. If there are items that have not yet been addressed, you may always re-enroll at a later date. If you re-enroll within 90 days of cancellation, there is no additional enrollment fee.

The most efficient way to get us your reports is to order them online. You can go here and get your 3 credit bureau report for $1. Please email us you login and password.

You may request your report as often as you choose - without it affecting your score. You have the right to view your reports as often as you like with NO penalty against you. However, 'inquiries' on your credit report from potential creditors, businesses or employers DO count as an inquiry and affect your credit score.

We cannot advise you whether or not you should file bankruptcy. If you are considering bankruptcy, it is always in your best interest to get as much information about bankruptcy as possible, and consult with a local bankruptcy attorney. We suggest becoming a member of an affordable legal service ($17/month NO CONTRACT) that will give you access to top rated attorneys in all areas of law. For more information go to www.TheBestLegalPlan.com

It's very simple....We Get RESULTS. We have the BEST customer service in the industry, we are an Accredited Member of the Better Business Bureau, and we have. These are just a few factors that set us apart from our competitors. We prides itself on our superior customer service, our utmost respect for clients and our Personal Case Advisors that work one on one with each of their clients. At Capital Financial Solutions, we utilize the newest technology and proven techniques to ensure successful removal of inaccurate credit report information for our clients.

IF WE ARE UNABLE TO REMOVE ANYTHING FROM YOUR CREDIT REPORTS AND FAIL TO INCREASE YOUR CREDIT SCORE THROUGH OUR CREDIT CONSULTING WITHIN 90 DAYS, WE WILL REFUND YOU THE AUDIT FEE.