The Credit Professor

FAQ II

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How can you afford to do this?
 
We are paid for our knowledge and not what we do. We have perfected our system over the years to do it fast saving you money. Compared to the cost of bad credit, our price is a deal.
 
Our referred rate is very high too.
 
Sounds good, how do I get started?
 
Go to the recommended site for credit reports and pull your FREE annual reports. Then e-mail them or mail them to us for an analysis and consultation.  After that, just print, read and sign the contract. Finally, enclose a money order for $75.00 ($100.00 for couples) made out to the CP Credit Solutions.
 
Drop it in the mail and you are done.
 
You can also order by Pay Pal.
 
So, whenever I have a question or an update on progress, I can call you?
 
Absolutely. Anytime during business hours is fine. We will be happy to answer any and all questions you may have. 6 months of phone and e-mail support is included.
 
What is the average time it takes?
 
That depends on a few factors. First, if you have any past good history with the cable company, phone company, cell phone provider, business trade accounts, day care centers, insurance bills, landlords, etc. Anything that can be verified can be added to your credit report as long as it is positive history of 12 months or more.
 
This adds a big boost to your score in the first 45 days, somtimes as high as 80 points. Guaranteed!
 
 
What about removing negative credit? How long does that take?
 
We dispute and challenge every negative item on your report at once. It averages 2-6 months. 6 months is for extremely bad credit. Most clients need about 4 months.
 
Can you remove accurate information from my credit report?
 
Accurate but unproven information is defined as inaccurate information. That is how it works in law. Accurate is that which can be proven. Yes, in some cases we can. The employees at the bureaus and collection agencies are uneducated in the laws and get away with violations since very few consumers know the laws or how to defend themselves. The collection agencies employees think don't need to know them. Never confuse what your creditors do with what they can legally do. Many of the creditors are what are known as junk debt buyers. Many didn't get all the neccessary paperwork during the transfer of custody when they purchased the debt from the original creditor. We can show you how to exploit this.
 
 
Will I have to pay the creditors off?
 
No. We advise all our clients NEVER TO PAY OFF AN OLD ACCOUNT THAT HITS YOUR CREDIT FILE. Paying it does not remove it or help your credit score in any way. Hey? The banking and collection industry lobbied for those laws so let them live with the reaction people take. Why would you want to pay for bad credit? The creditor can still come after you in court if it is within the statue of limitations. However, it will not report on your credit report if we can help it. Also, paying it off makes it tougher to remove by dispute and, in some cases, could re-activate the 7 year statutory period that the item can report.
 
We will show you a way to get the creditor to agree to remove it from your report.
 
However, in some cases, we will have to settle. This happens when the creditor has everything needed to prove the claim and fight an AG complaint.
 
What kind of stuff can I get removed off my report?
 
We can remove late payments, charge offs, repossessions, collection accounts, tax liens, judgments, evictions, inquiries, and bankruptcies.
 
So I can sue a creditor or collection agency if my rights are violated?
 
Yes. Many violations can net damages from $1000-$2500.00 per violation. You can sue them in your local small claims court.
 
I can't open a bank account, can you help me?
 
Yes we can. CHEX system removal is part of the package at NO ADDITIONAL COST.
 
 
Do you do Credit Counseling?
 
No we do not.
 
 
Do You Offer a Self Help Course?
 
Yes. This program is great for anyone interested in credit repair or becoming a more educated consumer. We share all our insider secrets with you for $59.00. This also includes 6 months e-mail support.
 
This is great for people who are tight on funds.