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Credit repair when performed correctly is very real and legal. Credit repair is the process of identifying any negative, untimely, and/or erroneous items on your credit report. There are laws that protect you as a consumer from having items on your credit report that are inaccurate, outdated, and unverifiable; therefore, we leverage those laws and many others to your benefit and get positive results.
Actually, you can...However, just like you are able to cut your own grass, do your own hair and nails, diagnose your own illnesses and ailments, and prepare your own food. However, when you want something done correctly, efficiently, and by a professional don't you typically hire a professional? We offer you peace of mind and free up your time to do the things that matter most to you...Leave the heavy lifting to us.
If you are certain that you want to repair/build your credit...There is technically nothing a credit repair organization can do that you can't do for yourself. To be successful, you will need to be willing to put in the work and educate yourself about credit/debt laws. You can find DIY kits, links, and other resources on our site! Our DIY Tool KIT, Credit Building Tool Kit, will provide the necessary resources to help you begin the process yourself. Although the process of working out the time, and language to use when communicating with creditors, and the Credit Bureaus, in addition to the steps for verifying information and negotiating settlements can be daunting work; it is possible and legal for you to repair/build your own credit.
Keep in mind...Many people choose to have a credit repair expert do the work on their behalf. Not only are they diligent in their work, but they also know the ins-and-outs of credit repair, credit building and have access to a plethora of information and resources due to the extensive hours spent on training, development, and/or receipt of industry-specific certification(s).
Credit repair is a process that takes time...It's more of a marathon and not a sprint. You must be committed to the process to ensure optimal results. Credit repair typically can take 3, 6, 9, 12 months (sometimes longer) to achieve the goal. Your current credit issues did not form overnight and it’s not realistic to expect them to be fixed overnight.
The time it takes to repair/build your credit is completely dependent upon your personal situation and goals. We work with you, but we also need you to work with us.
We work together as a part of a team to get you the results that you desire. Deletions alone will not improve your credit score. Our main focus is a healthy report, a healthy report will lead to a healthy score. In addition to the work my team and I complete for you, you assist us by:
As a client of My Credit Phoenix, you will have access to your secure, client dashboard 24/7, and it will contain the necessary details to ensure that you're updated on what we are doing for you. The dashboard shows you exactly what accounts have been disputed, removed, or verified as well as your progress with your scores, all according to the custom plan developed during your initial consultation/client onboarding call.
In some cases, a collection being resold to a new collection agency may reappear under the new collection agency, because it’s a new company reporting it. Your debt can be resold multiple times until it is legally settled; however, you should always receive a reinsertion letter five (5) days prior to anything being added back to your credit report. If you are an active client working with our team, we are in constant dialogue and should always be made aware of any reinsertion details. If something reappears and you have not received a letter of notification...That is a violation.
Let us know, we'll do our due diligence and dispute the action.
No...However, in certain circumstances, it may.
For example, if the item is the result of documented/reported and proven to be the result of identity theft or the item has aged beyond the statute of limitations for the creditor to file a lawsuit it will be difficult for the creditor to try to collect the debt from you.
*You have an option to seek the advice of an attorney to confirm the legality of any credit/debt matters as well as the statute of limitation for your state and/or type of debt.
We recommend the use of monthly credit monitoring thru SmartCredit. We recommend the SmartCredit monitoring service because Credit Karma only shows 2 out of 3 bureaus and unfortunately, this is not an accurate depiction of your complete credit profile. Credit monitoring is a tool that we utilize to see what has changed from month-to-month with your credit report.
It is mandatory, in order to obtain an accurate depiction of what is actually on all three (3) of your credit reports and your scores.
Ask us how you can obtain your reports & scores with the SmartCredit 30-Day Trial.
No, unfortunately, IT IS ILLEGAL, and UNETHICAL to Guarantee any results in any amount of time...We would rather be HONEST Up-Front and not disappoint you later. We will your individual situation and build your personalized Plan of Action to focus on the areas that will make the most impact towards achieving your goals.
For your protection, we offer a 180-Day Money-Back Guarantee.
Absolutely! We take referrals as the best form of compliment. We will take care of your friends, family, co-workers, clients, etc., and in return, we will compensate you.
Our referral program rewards you for doing things and the reward charts are as follows:
Due to our services being billed in arrears, unless your request is related to the terms of service under our 180-Day Money-Back Guarantee there are no refunds that can be applied or given to you because the services have already been rendered.
*Please contact us if you cannot find an answer to your question.
Improve your Credit and Change Your Life by Building the GOOD CREDIT you need, to ENJOY the MONEY & FINANCIAL FREEDOM you DESERVE...In an effort to Leave a LEGACY of WEALTH for your family.
It's Time to change your life - Rise Up!
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