| |
The Premium Service option is designed to expedite the normal turnaround
time from 2-6 months down to 45 days, although this cannot be guaranteed.
Results are similar to that of
our normal service. |
| |
|
|
Q. |
Why should I hire Integrity and not another cheaper, similar service? |
|
A. |
Integrity has trained negotiators with over 3 years experience in credit repair,
mortgages, and a Certified Public Accountant on staff working on your file, not
a "representative" that went through a two-week training course. Most
importantly we offer a no-nonsense 100% money back warranty if we are unable to
improve your credit by removing negatives, increasing your FICO score, or
correcting items that are not reporting correctly and generally improving your
credit. |
| |
|
|
Q. |
What is the money back warranty? |
|
A. |
Unlike other companies, our money-back warranty is easy to understand and is the
best in the industry. We will refund 100% of your money if we do not remove more
than 25% of all the negatives we work on from all three major credit bureaus
with in six (6) months from the time you sign on. For example, if we remove 100%
of your negative items from two out of the three bureau reports but only 20%
from the third, we will refund all of your money. You must have at least four
(4) negatives on your report when you sign up for the warranty to apply and may
not have used a credit repair agency in the past two (2) years. Unpaid
collections and charge-offs do not qualify for the warranty and are not
included, however, we will handle these items outside of the warranty. |
| |
|
| |
Return to Top » |
| |
|
|
Q. |
Will you get 100% of all my negative items removed? |
|
A. |
Our company has been 100% successful on many occasions, but our average is 66%. |
| |
|
| |
Return to Top » |
| |
|
|
Q. |
Why do the results differ? |
|
A. |
Our Company uses the consumer protection laws to the fullest extent on your
behalf. Sometimes credit bureaus, creditors and collection agencies provide what
the law requires, and sometimes they do not. Our company is completely thorough
every time in enforcing your rights, but credit bureaus, collection agencies and
creditors are inconsistent, which is why the results vary. |
| |
|
| |
Return to Top » |
| |
|
|
Q. |
How much will you increase my credit score? |
|
A. |
An average of 60 points within three (3) months, although we have been as
successful as 200 points. Although negative credit is a major factor, there are
many other factors that affect a credit score. Even if we remove all the negative items from you report, your
credit score maybe one that only increases 40 points due to other factors
affecting the score such as: length
of credit history, credit mixture, outstanding balances and number of inquiries. |
| |
|
| |
Return to Top » |
| |
|
|
Q. |
What items can Integrity remove from my credit report? |
|
A. |
Bankruptcies, foreclosures, collections, charge-offs, repossessions, medical
bills, credit card debt, inquiries, late payments, old addresses, aliases ("also
known as"), judgments, tax liens, student loans. |
| |
|
| |
Return to Top » |
| |
|
|
Q. |
Do you work on removing inquiries? |
|
A. |
For an extra $275.00 fee, we will work on removing inquiries from your report.
If you would like an inaccurate inquiry removed, please let us know. |
| |
|
| |
Return to Top » |
| |
|
|
Q. |
What can't you remove? |
|
A. |
Items that are correct as reported and are permitted by law to remain on your
credit. It is okay to have a satisfied item such as bankruptcy on your credit
(as long as it is satisfied). |
| |
|
| |
Return to Top » |
| |
|
|
Q. |
Will the removed items ever come back? |
|
A. |
No, as long as the item is current or paid at the time of removal or the
collection is older than three (3) years, it usually will not be reported again,
except in rare circumstances. Should an item come back at any future time due to
no cause on your part (e.g. new collection, late payment, etc.) we will provide
you service for that specific item at no charge. |
| |
|
| |
Return to Top » |
| |
|
|
Q. |
What risks will I be taking? |
|
A. |
None. The worst we can do is to improve your credit and not fulfill the
warranty, in which case you will receive a full refund. The best we can do is to
improve your credit tremendously and save you thousands in interest charges over
the next few years. |
| |
|
| |
Return to Top » |
| |
|
|
Q. |
How can I find out my credit score? |
|
A. |
Visit www.myfico.com and order the same exact credit score your mortgage company
has. Requesting your FICO score yourself is considered a personal inquiry and
will not hurt your credit score. Integrity cannot pull your credit score on your
behalf. |
| |
|
| |
Return to Top » |
| |
|
|
Q. |
How can I get a free copy of my credit report? |
|
A. |
All consumers are entitled to a free copy of their credit report from all three
credit bureaus once a year by law. Visit www.annualcreditreport.com to get yours
for FREE. |
| |
|
| |
Return to Top » |
| |
|
| |
|
| |
|
| |
Please feel free to contact us if you have any further questions. |
| |
|
| |
|
