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Q. |
Why should I refer my client to Integrity CRS and not similar, cheaper
services? |
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A. |
Integrity CRS is a leader in the area of consumer credit law, and we concentrate
on nothing but credit issues. We offer a no-nonsense, 100% money-back warranty
if we don’t improve a client’s credit. Our advanced UNIX system automatically
emails you and your client to keep you both informed throughout the entire
process; in addition, you and your client will be able to log in and check the
status at any time. You will even have a page on our server that shows every
client you’ve ever sent to us and the status of each. |
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Q. |
What is your money-back warranty? |
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A. |
Unlike others, our money-back warranty is easy to understand and is the best in
the business. We will refund 100% of your client’s money if we do not remove
more than 25% of all the negatives we work on, from all three major credit
bureaus, within six months from the time the client signs up. For example, if we
remove 100% of your client’s negative items from two of the three bureau reports
but only 20% from the third, we will refund all of your client’s money. In order
for the warranty to apply, the client must have at least four negatives on the
credit report at the time of sign-up, and may not have used a credit repair
agency nor attempted to repair his or her credit in the past two years. Also,
unpaid collections and charge-offs do not qualify for the warranty and are not
included. |
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Q. |
Will you get 100% of all my client’s negative items removed? |
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A. |
Probably not. Our law firm has been 100% successful on many occasions, but we
average 60-70%. |
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Q. |
Why do the results differ? |
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A. |
Our
company uses the consumer protection laws to their fullest extent on your
behalf. Sometimes credit bureaus, creditors, and collection agencies provide
what the law requires, and sometimes they don’t. Although our law firm is
completely thorough every time in enforcing your client’s rights, credit
bureaus, collection agencies, and creditors are inconsistent, and therefore the
results vary. |
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Q. |
By how much will you increase my client’s credit score? |
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A. |
We
will increase a score by an average of 50 to 60 points within three months,
although we have raised it by as much as 200 points. While negative credit is a
major factor, there are many other factors that affect a credit score. Even if
we remove all negative items from your client’s report, the credit score may
only increase by 40 points due to other relevant factors, such as length of
credit history, credit mixture, outstanding balances, and number of inquiries. |
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Q. |
What items can Jamison Law Group remove from a credit report? |
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A. |
We
can remove bankruptcies, foreclosures, collections, charge-offs, repossessions,
medical bills, credit card debt, inquiries, late payments, old addresses, AKA’s,
judgments, tax liens, and student loans. |
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Q. |
Do you work on removing inquiries? |
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A. |
For
an additional $400 fee, we will work on removing inquiries from your client’s
report. If you would like an inaccurate inquiry removed, please let us know. |
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Q. |
What can’t you remove? |
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A. |
Anything can be removed, but not all of the time. This is due to inconsistencies
in the way things are handled by the creditors and credit bureaus and their
ever-changing policy procedures. |
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Q. |
Will the removed items ever come back? |
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A. |
No.
As long as the item is current or paid at the time of removal, or the collection
is older than three years, it generally will not be reported again except in
rare circumstances. |
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Q. |
What risks will I be taking? |
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A. |
None. The worst we can do is to improve your client’s credit and not fulfill the
warranty, in which case your client will receive a full refund. The best we can
do is to improve your client’s credit tremendously and save him or her thousands
in interest charges over the next few years. You will also have the added
security of knowing that you and your client are getting the best advice
throughout the whole process. |
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Q. |
How can I find out my client’s credit score? |
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A. |
Tell
your client to visitwww.myfico.com and order the same credit score a mortgage
company uses for approvals. Requests for one’s own FICO score at www.myfico.com
is considered a personal inquiry and will not hurt the credit score. Jamison Law
Group cannot pull your client’s credit score for you. |
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Q. |
How can I get a free copy of my credit report? |
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A. |
By
law, all consumers are entitled to a free copy of their credit report from each
of the three credit bureaus once a year. Visit www.annualcreditreport.com to get
yours for FREE. (This is for the credit report only and does not include the
credit score.) |
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Q. |
What is credit scoring? |
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A. |
Credit scoring is a system creditors use to help determine whether or not to
give you credit.
Information about you and your credit experiences, such as your bill-paying
history, number and type of accounts, late payments, collection actions,
outstanding debt, and the age of your accounts, is collected from your credit
report and used to determine your credit score. A credit scoring system awards
and deducts points based on scorecard factors that statistically predict whether
you will become 90 days late (or more) on a credit obligation in the next two
years. A total number of points—a credit score—helps predict how creditworthy
you are; that is, how likely it is that you will repay a loan and make the
payments when due. |
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Q. |
Why is credit scoring used? |
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A. |
Because credit scoring is based on real data and statistics, it usually is more
reliable than subjective ratings. Judgmental methods typically rely on criteria
that are not accurate and vary when applied by different individuals. Credit
scoring treats all applicants the same. |
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Q. |
How is a credit scoring model developed? |
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A. |
To
develop a credit scoring model, credit scoring software companies like Fair
Isaac select a random sample of 10,000 credit reports for the particular credit
bureau they are working with. They analyze the sample for a period of 24 months
to identify characteristics that relate to creditworthiness. Then, each of these
factors is assigned a weight based on how strongly it predicts who would be a
good or bad credit risk. A credit scoring system does not use certain
characteristics such as race, sex, marital status, national origin, or religion
as factors. Each credit bureau may use its own credit scoring model (if they
have one) or license software from a company like Fair Isaac. |
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Q. |
Is there anything that cannot be in a credit report? |
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A. |
Yes, certain information cannot be included in a credit report.
Click
HERE for
information. |
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Q. |
How long will items remain on my credit report? |
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A. |
Click
HERE
for the answer to this question. |
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Please feel free to contact us if you have any further questions. |
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