General Credit FAQs
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The three major credit bureaus are TransUnion, Experian, and Equifax.
A credit report is basically just a list of all the accounts, inquiries, and all information in between that is reflected in your credit score. You have 3 different credit reports (1 from each credit bureau) and 3 different credit scores (1 from each credit bureau)
Credit scores are numbers assigned to all US citizens. The way they are calculated is constantly changing and not fully understood by anyone. However, each credit score is meant to reflect an individual's financial responsibility and their level of risk to lenders, as it's been reported to that specific credit bureau.
Absolutely, in fact there are federal laws in place to protect consumers. It also allows consumers to dispute any item on their credit report, even if the item is in fact the result of the consumers actions.
All of the creditors/lenders/furnishers you choose to do business with will report your account to at least 1 of the 3 credit bureaus. If your account is charged off or not in good standing, it's more likely to be reported to all 3 bureaus because the entity reporting your account is upset you haven't kept to your word on paying back your debt.
Unfortunately, yes, it's perfectly legal. Although they have to zero out the balance because you no longer owe them any amount of debt, you now owe the collections agency to which the debt was sold.
The Federal Securities Act (FSA) The Fair Credit Reporting Act (FCRA) The Dodd-Frank Wall Street Reform Act (DFWSRA) The Fair and Accurate Credit Transaction Act (FACTA) The Restore Online Shoppers' Confidence Act (ROSCA) The Fair Housing Act (FHA) The Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) The Financial Modernization Act (FMA) The Homeowner Protection Act (HPA) The Home Affordable Modification Act (HAMA) The Electronic Funds Transfer Act (EFTA) The Fair Debt Collection Act (FDCA) The Fair Credit Billing Act (FCBA) The Federal Trade Commision Act (FTCA) The Gramm-Leach-Bliley Act (GLBA) The Childrens Online Privacy Protection Act (COPPA) The Telephone Consumer’s Protection Act (TCPA) The Division of Financial Practices (DFP) The Truth in Lending Act (TLA) The Equal Credit Opportunity Act (ECOA) The Alternative Mortgage Transaction Parity Act (AMTPA) The Consumer Leasing Act (CLA) The Truth in Savings Act (TSA) The list goes on...
FEDERAL LEVEL: The Federal Trade Commission (FTC) The National Association of Attorneys General (NAAG) STATE LEVEL: State Attorney General (SAG)
Our Credit Repair Services FAQs
Credit Patient LLC offers three unique payment structures for the same service. The first and easiest to explain is our one-time, upfront payment option priced at $300 for one person and $500 for couples (for those who want to set it and forget it). The second and second easiest to explain option is our monthly recurring option at just $79 a month for one person and $125 a month for couples. To learn more about our third option please read my Pay Per Deletion (don't worry, link will open in new tab) page for all the details.
The answer to this question depends entirely on you and your current financial situation. Remember, the payment structure you choose will not change the results we are able to acquire for you. If you have the money, paying the one-time, upfront fee would be less stress for you, the patient. If you don't have a few hundred to spare, but you do have $79, the monthly option would suit you best, however it can add stress because you're essentially adding another monthly bill you'll have to remember to pay and include in your accounting. The pay per deletion option is free to start, but if we are able to acquire serious results for you, the bill could really pile up. Choose the plan that best suits you.
There's no definite answer because it will take a different amount of time for every patient because every patient has unique credit scores and credit reports. I do know it takes up to 45 days to get updated scores after disputing. So be prepared to wait at least 45 days before you see an increase to your score.
Absolutely, by the time you graduate and/or stop working with us, you'll have gained significant knowledge in the realm of credit, including but not limited to, adding positive accounts, maintaining your high credit score, and preventing deleted accounts from being reported back onto your credit reports.
Of course! We offer a 6-month money back guarantee. Obviously, there's a catch and here it is. In order to get your full refund, you must give us the full 6 months to try and get negative items removed. If we fail to do so, you will be refunded in full, although if we successfully get any negative items deleted, even a single negative account, before your 6 month mark, you're no longer entitled to a full refund. However, depending on the circumstances, partial refunds can be negotiated.
Here is the list of personal information you're required to share in order for me to legally dispute on your behalf: 1. Full Name 2. Phone Number 3. Email Address 4. Street Address 5. City 6. State 7. Zip Code 8. Date of Birth 9. SSN (last 4 digits only) You can either provide this information to me over the phone, via email, and even via text, or you can complete the registration form (don't worry, link will open in new tab) to submit your information.
I will need you to upload 2 personal documents: Copy of your photo ID and a copy of proof of address (Driver's License and Utility Bill). We'll also need you to read and provide your signature on our client agreement. You can view the outline of this contract, but you'll receive a fillable version after I receive your personal information and documents.
We need those documents in order to dispute with the credit bureaus on your behalf. The goal is to make it appear you're the one disputing your own accounts. If we don't include copies of your photo ID and proof of address in your disputes, the creditors and bureaus will respond requesting verification of identity and address, which will just waste your time and our efforts.
Yes, we need access to all 3 of your credit reports and scores. They need to be up to date on the day you become a patient and free credit monitoring services, such as Credit Karma won't cut it because it's not accurate and it doesn't provide the necessary information to generate effective disputes. If you already have a paid subscription with a credit monitoring service, that should do the trick. If you don't, you can order your 3 reports and scores for just $1 (dont worry, link will open in new tab) through our preferred partner.