How does credit repair work?

​Credit repair is 100% legal. It works because of a law called "The Fair Credit 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. Even accurate negative items can be removed or negotiated away. This law is the basis of all credit repair and foundation of our business.​

What is the secret to a high credit score?​

1.Always pay your bills on time!

2.Don't close old accounts!

3.Don't apply for any new credit!

4.Don't ever use more than 30% of your available credit on each card.

(less than 10% will give you the best results)

​Do I need to enroll in credit monitoring services?​

Yes, this is a crucial part of the credit restoration process it is not optional. It is where I will be able to see the changes reported to your credit report by the 3 bureaus and dispute based on that. Please make sure you have an active membership through out your credit restoration process. Monthly fee with my link is $24.99.

​​Do I have a right to know what's in my credit report?

​Of course you do. By law, the agencies must give you a free report annually. However those free reports do not contain scores. For credit repair scores we recommend an inexpensive credit monitoring service.​

What does Crisis Credit Solutions do to help?

Crisis Credit Solutions helps clients attack their credit damage by challenging inaccurate, untimely, misleading, biased, incomplete, or unverifiable negative items from their credit reports.

Who needs Crisis Credit Solutions services?​

Anyone who would like to repair and build their credit. The average time is takes for the process is 3-6 months results may vary. Having a higher credit score can translate into significant benefits in interest rate savings and easier qualifying for consumer credit.​

Someone told me I can repair my own credit and raise my score. Is that true?​

Yes. It is absolutely true. However, I am a trained professional with processes and tools which work with credit agencies. These are tried and true ways to quickly move your score up to where it needs to be. I have a fierce eye for detail and will put all of my resources into getting them results as fast as possible.​

Can I fix my credit myself?

Sure! You can also give yourself a root canal as well, but sometimes there are things that are best left to the professionals. That said, it is your right and responsibility to monitor and protect your own credit. The government has a set of laws to help you called the Fair Credit Reporting Act, as well as the Fair Debt Collection Practices, act that you can reference for information about challenging information on your credit reports. Crisis Credit Solutions is here if you need help from professionals who work with the bureaus and these laws every day

Can I apply for credit while in a Crisis Credit Solutions Program?

Sure, your credit is your own, you just need to be aware that applying for new credit will add new inquiries to your credit report which will impact your credit score. One of the services we provide is helping clients know which lines of credit to open that will be most impactful, without worrying about getting denied.

How will I know what progress is being made?

You will be given an on-line account page where you can watch progress. This is where the majority of communication will take place. There is a Time Line and Progress Report as well as Credit Analysis component.

What is your Money Back Guarantee?​

1.You are entitled to a 100% refund on all monthly payments under the following circumstances.

2.If I do not remove any negative items worked on and you've obtained our services for 180 days.

3.You have not used a credit-consulting agency nor attempted to repair your credit at least two years previous to signing up for my services.

4.You have had no new collections or missed payments during the time frame I am assisting you.

5.You have maintained credit monitoring services at all times during the timeframe Iam helping you.

6.You agree & have sent updated reports/responses from the three credit bureaus & creditors to me within five days of receipt. You should receive updated credit reports every 30-45 days and make us aware if updated reports have not been received.