Learn more about our Personal and Business Credit Repair process

 

What does the FREE CONSULTATION consist of?

Before the dispute process

We will ask for your credit monitoring log in information to fully evaluate your report. We will advise you of what you need to do to help your report and what we’ll need to remove to help build your score.

 

The Dispute Process

Once your free credit consultation  is finished your credit analysis is complete, your first dispute rounds will be going out to all three credit bureaus very soon. We have found that by disputing certain accounts before others, the result can be more deletions in a shorter amount of time. We have found that if we dispute too many, the bureaus will dismiss the dispute as "frivolous." After the bureaus investigate, they will send you an updated credit report within 30-40 days. We rely on you to forward all credit reports and any letters that you receive from the credit bureaus, collectors, or creditors. When we receive the information, we will update your file and dispute again.

Client Portal
After your first dispute rounds go out, you will receive an email with your client tracking portal login credentials to log into the portal. With this portal, you can see what accounts we are disputing on your behalf. You can also see your credit scores, send us messages, documents, and referrals. The client portal login credentials are sensitive, so make sure you type in the information as presented in the email.

As soon as you receive updates, please do the following steps:

1. Scan in your reports and send them through the client portal. https://www.creditrestorationportal.com/account/login
2. Log into your online client portal. (login information is case sensitive)
3. Find the tab that states ‘Documents’.
4. Upload the updates and send.
5. You can also fax them to us.

It’s important that you send your updates right away so that we can continue working on your credit reports. If you delay in sending your reports, it will delay the credit repair process. If you have any questions or concerns regarding this e-mail or your case, please feel free to contact us. We are more than happy to be of assistance!

Proof of Address and Identification
Credit bureaus will sometimes delay their dispute investigation until they receive proper identification.

Please send the following:
• Copy of your License or ID
• Copy of your Social Security Number
• Copy of your recent utility bill 

Please place your ID and social security card on a white background when scanning it. You can send your proof of identification through the client portal or by fax at 

https://www.creditrestorationportal.com/account/login

 

How long does credit repair take?

On average, credit repair takes about three to six months to remove everything . Your score should gradually improve throughout the process each time a creditor agrees to make a change in your favor. Every credit profile differs and no credit company can promise a removal as it is not up to them to make the decision. They are to accurately dispute and to make sure the credit bureaus are being consistent with the Consumer Financial Protection Bureau (CFPB)

Unfortunately, there is no quick way to "repair" or "fix" your credit. The length of time it takes to rebuild your credit history depends on how serious your credit issues were and how your credit history was affected.

 

What's a credit inquiry?

An inquiry refers to a request to look  at your credit file, and it generally falls into one of two types.

Hard inquiries

These are typically inquiries by lenders after you apply for credit. These inquiries will impact your credit score because most credit scoring models look at how recently and how frequently you apply for credit.

Soft inquiries

These are reviews of your credit file, including reviews of existing accounts by lenders, prescreening inquiries by prospective lenders, and your requests for your annual credit report. These will not change your credit score.

 

CANCELLATION/ REFUNDS

In the world of credit repair, the outcome of a service cannot be guaranteed, and no company can promise a result. We put in our best to ensure that incorrect, inadequate, and inaccurate information is identified and modified, or removed from the credit report. We do not issue refunds.

 

PAYMENTS

We charge monthly, which means you pay before each round of your letters go out. once you pay we send your letters out. The bureaus have atleast 30 days to respond so we send out dispute responses every 30 days.

 

Contract Signing

A credit repair agreement is a contract between a client and a credit repair company. According to the Credit Repair Organizations Act (CROA), credit repair companies must provide a credit repair agreement when offering their services to consumers.

Although repair inaccuracies and unverifiable information on credit reports are legal, some credit companies are fraudulent–they make false promises and often mislead innocent consumers. Because of this, the CROA was created to keep such shady credit repair companies at bay. When working with Marie Consulting Services Inc you will sign a contract and all information provided is secured. Under federal law No personal information will be shared.

 

Do I need to continue making payments throughout the dispute process?

YES. please continue to pay everything on time to maintain a good payment history. Defaulting payments only adds longer time to your repair process and can bring your score down.

 

Is credit repair legal?

Yes, credit repair is legal. In fact, legitimate credit repair is protected by federal law. The Fair Credit Reporting Act requires that credit bureaus provide fair and accurate information about your credit history. If you find inaccurate information on your report, you’re entitled to request that it be investigated and removed.

 

Frivolous letters

( stall letters)

You may receive a letter from the credit bureaus stating that they think that the dispute letters are coming from a credit repair company and not you. If you receive this, the credit bureaus are trying to stall you hoping that you stop the credit repair process.  Just forward this letter to us.

All three Bureaus: Frivolous

You may receive a letter from the credit bureau stating that your disputes frivolous, and they will not further investigate this matter. We know how to respond to this type of update.

If you receive this, the credit bureaus are trying to stall you hoping that you stop the credit repair process.  Just forward this letter to us.

 

FAQ ()

What is a secured credit card?

Secured credit cards are a special type of card that requires a cash deposit — usually equal to your credit limit — to be made when you open the account. This money then acts as collateral every time you make a purchase. If you fail to make payments on time or default on your debt, your lender can use the deposit to reimburse itself.

Secured credit cards work similarly to debit cards in that you're using your own money as insurance for transactions, rather than borrowing funds from a lender. However, unlike a debit card, the payment history for your secured card may be reported to the three nationwide consumer reporting agencies. Equifax, TransUnion and Experian. If you have a low score you may not be able to get approved for a regular credit card just yet so a secured card would be best to build your score first before applying for a non secured credit card.

 

What does prequalification mean?

Prequalified or “ pre approved” means the lender has did a soft inquiry on your credit to see if you meet the criteria of being pre-approved by conducting a small review of your credit profile without a hard inquiry. Pre approvals do not show on your credit and do not bring your score down. Its always in your best interest to use a lenders pre approval tool to make sure you’ll be approved without the hassle of being denied and having a hard inquiry which can potentially bring your score down. In rare cases are you pre approved then denied when you actually apply.

 

Can I apply for new credit cards or loans while you’re working on my credit?

If you want to apply for a new card during the dispute process just make sure that you are pre approved first. Getting denied only brings your score down and adds an inquiry on your report.

 

What frequency do you check my credit?

We check your credit score every 30 days to see if anything has been removed.

 

How will I see if something was removed from my credit report?

We update you every month to let you know if anything has changed on your report. You can also check your credit monitoring but it may not show until 30 days as they only update your score every 30 days. You may for your report at any time sooner than that. Credit karma is also a good free way to check any updates on your report.

  

What is a tradeline? How will that help my credit?

Credit tradelines are accounts that appear on your credit reports, such as credit cards, auto loans and a mortgage. They typically include details like the date the account was opened, current payment status and whether you’ve paid on time or been delinquent.

In addition to making up a large part of your credit reports, those tradelines provide much of the data used to create your credit score. Credit scores are designed to indicate how likely you are to repay loans and pay your bills, and lenders use them to decide whether to offer you credit and at what interest rate.

If you borrow money and the lender reports that account to the credit bureaus, that makes it a trade line.

If your score is low, it makes it hard to get approved for tradelines.  If you can’t get approved We offer paid tradelines to help build your credit profile.

  

What is credit utilization?

Your credit utilization rate, sometimes called your credit utilization ratio, is the amount of revolving credit you're currently using divided by the total amount of revolving credit you have available. In other words, it's how much you currently owe divided by your credit limit. It is generally expressed as a percent. For example, if you have a total of $10,000 in credit available on two credit cards, and a balance of $5,000 on one, your credit utilization rate is 50% — you're using half of the total credit you have available. Most lenders want you to use under 30% so make sure you are paying your cards down.

 

Why do I have three different scores?

You probably know that you should be checking your credit score on a regular basis—but which credit score should you check? Do you need to know both your FICO credit score and your VantageScore, or is checking one credit score enough? How are FICO and VantageScore different from each other, anyway—and why are there multiple types of credit scores in the first place?

Originally, there was just one credit scoring service, the FICO credit score, created in 1989. The three major credit bureaus (Equifax, Experian and TransUnion) developed VantageScore in 2006 as an alternative to the FICO score. Both FICO and VantageScore offer different types of credit scores depending on what kind of information lenders are requesting and which credit score model is being used.

 

FICO offers many different types of credit scores. If you are taking out an auto loan, for example, a lender might check your FICO Auto Score. If you are applying for a credit card, a lender might look at your FICO Bankcard Score.

 

The VantageScore model was created in 2006 in a collaboration by the three major credit bureaus. Equifax, Experian and TransUnion created VantageScore as a way to provide an alternative to the FICO scoring model. Although VantageScore uses many of the same factors to determine your credit score, it weights these factors differently.

Under the FICO scoring model, for example, your payment history is the biggest factor affecting your credit score. Under the VantageScore model, your credit card balances and credit utilization ratio are the most influential factors in credit scoring

 

Why do credit bureaus send stall letters?

These letters are commonly called "stall tactics" in the credit dispute industry because, they are only intended to frustrate and confuse the consumer and stall the dispute process.

Receiving a stall letter from a credit bureau is normal and doesn't mean you're at fault, it just adds 30-45 days to the credit repair process. The credit bureau requires requests to come directly from the individual or an authorized third party, such as a credit repair company, with proof of authorization.