If you have any concerns, please read this collection of frequently asked questions before contacting us. If you are still unclear about something feel free to contact.
Part of our mission at Advanced Credit Therapy is to educate as many people as we can about credit. When it comes to credit, what you don’t know CAN hurt you. So learn as much as you can. If your questions are not answered on this page, call one of our specialists. They will be happy to handle any questions you might have.
Operators are standing by. Accessibility is one of our most important values at Advanced Credit Therapy. We make sure that if your mind isn’t at ease you can get in touch with us, quickly and easily. You can contact our representatives via telephone, email. Don’t hesitate. Specialists are here to help.
How does your unbeatable satisfaction guarantee work? We stand behind our work, and that’s why our clients have trusted us for Financial and credit consultation in the first place. We’ve made our service risk-free. We completely guarantee your satisfaction. Our goal is to make you one of our thousands of satisfied customers and we’re willing to go the extra mile for it. That’s our promise to you.
What does Advanced Credit Therapy do to help with credit problem? Advanced Credit Therapy helps client not only provide unparallel financial services, but also help clients to attack their credit damage by challenging the inaccurate, untimely, misleading, biased, incomplete or unverifiable negative items from their credit reports.
How much can I expect my score to go up? It all depends. There are no two credit reports that are exactly the same. This means that improvements we make on one person’s credit may or may not improve the score as much as another’s. The “average”, we’ve found was 93% of our clients see FICO score increases of 20 points or more in the first 35 days. Over the 90 day term of the contract, the average FICO score increase is 50 to 100 points. We’ve seen scores go up 200+ points, and others just get the 20 point boost they needed to qualify for their home loan. Everyone’s results will vary, but, you can be certain we will get you the best results possible. And with our unbeatable satisfaction guarantee you have nothing to lose.
Will the removed items come back? No, as long as the item is current or paid at the time of removal or the collection is older than three years. This holds true except in very rare circumstances.
Will one person be assigned to me? There will be a team working on your credit (usually three), and generally we have all of our clients supported by our entire team. However, if you want one person we can provide that as well. It’s your choice.
How can bad credit be legally repaired? Because you are ultimately responsible for ensuring that your credit report is accurate, laws were enacted — specifically the Fair Credit Reporting Act (FCRA) — to assist you. The FCRA gives you the right to contact the credit bureaus directly to dispute items on your credit reports. You can dispute any and all items that are inaccurate, untimely, misleading, biased, incomplete or unverifiable. Any item that cannot be verified on your credit report must be deleted.
Thousands of people have legally and successfully restored their credit and increased their credit score simply by enforcing their own legal rights. This type of process can be done individually if you have the time, and of course the patience, for the learning curve involved.
How long does it take to repair my credit? Each situation is unique and so is the time-frame required to repair your credit. The majority of our customers see results within the first 45-60 days. Our goal is to improve both your credit report and credit score continuously each month. With that said, keep in mind that no company can promise any specific outcome simply because there are several third parties involved (e.g. Equifax, TransUnion, Experian, your creditors, etc.) and no one can predict how they will respond.
I just signed up, what happens now? You’ll receive a welcome email and phone call from us. You’ll see your credit reports and starting credit scores from all three credit bureaus (reporting agencies). You’ll start seeing credit improvements in less than 60 days. Your credit report and score improvements will progress throughout the duration of our service. At the end, you will visibly see your credit report, turn into a better credit report. We will also give you a future plan to help you maintain your improved credit and show you how to continuously raise your credit score.
How will I know it works? Easy! Every time you receive updated credit reports throughout your service you will see items that have been changed, updated, or removed. If an item is changed or updated, it generally means that a positive improvement with that account (such as a late history) has been made. If an account was removed all together from your credit report, it means that a negative item has been removed from your credit. Usually these items are collections, charge offs, foreclosures, etc. We also provide you Log In information, so you can check the status of your file with us.
How do you restore bad credit? We review your credit report and see what’s bad and what could be better. We get right to work on both — disputing any questionable items on your credit report and addressing the things we believe can help raise your credit score.
Does paying off my bills repair my credit? Unfortunately, the credit reporting system just doesn’t work that way. When you pay your debt, the negative credit listing doesn’t disappear. There is little difference between a paid negative item on your credit report, or an unpaid one. If you can afford to pay off your debts, we would always advise you to however.
Do I need to pay my bills? YES. It is your responsibility to protect your credit while we are working on your history. If you add new damage to your credit report, you will be working against us.
Can I apply for credit while in Advanced Credit Therapy programs? 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.
Can I fix my credit myself? Sure, it’s 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. Advanced Credit Therapy is here if you need help from professionals who work with the bureaus and these laws every day.
Does Advanced Credit Therapy offer a “money back” guarantee? Yes, we offer a no questions asked guarantee. After 4 months you will have the option to audit your file. If there are no results you will receive a full refund.