Q: Why do I need your service?

A single negative item or inaccurate information on your credit reports can lower your credit FICO score with all three major credit bureaus. Low FICO scores can affect your chances to obtain lower interest rates for home mortgages and auto loans. It also will increase your auto insurance rates and affect your ability to obtain employment. Our credit eraser and credit wiping program has been very successful in the past with removing negative credit items. Although you can attempt to do this yourself, many individuals have found that it becomes very frustrating and time consuming when they do not achieve the results that we can provide.  For a very low set up cost and a very consumer friendly monthly fee structure for unlimited deletions we have found most clients find success within our credit wiping program.  The fact is that the credit bureaus may choose to ignore your attempts or choose not to reinvestigate the negative items at all, which is why hiring contracted help is a key to professional credit wiping.
 


Q: How do I know my personal information is safe?

Any personal information that you submit to Our credit eraser and credit wiping team has the fiduciary duty to protect your information.  Not only are we ethically and morally bound the law also requires it. We will not disclose, resell or allow to be viewed by anyone.


Q: How long does it take to improve my credit?

The bureaus must respond in 30 days of the dispute. Within the first 60 days you will start to see improvement in your credit report. Depending on the number of negative items appearing on your credit reports will determine the duration of time that services will be needed. 
 

Q: Can I apply for credit while my credit is under repair?

YES, Although if you apply for any new credit it can interfere with your credit by adding inquiries thus reducing your scores, you can apply for new credit during the credit wiping program.  Our main goal is the removal of negative and unwanted tradeline items.  Our credit wiping program also targets inquires and will automatically remove inquires once targeted within 60 days for most inquires.  
 

Q: How often should I expect to get mail from the credit bureaus?

You will receive updated credit reports about every three-four weeks until your account is completed. As items are disputed the bureaus will forward correspondence directly to you regarding the progress on the disputes.


Q: When I receive my credit reports/correspondence what should I do with them?

Send the original reports to Our credit eraser and credit wiping team (via fax or email) and make copies to be kept for your records.


Q: All correspondence must be emailed or faxed to the following address:

                                  EMAIL  :  support@creditwiping.com
                                  FAX : 888-675-7773 (Attn: Credit Wiping Team) 

Q: How much does bad credit cost?


          *Automobile Financing:   It costs approximately eight thousand dollars ($8,000.00) to finance a twenty thousand dollar ($20,000.00) car over the course of five years.

          *Home Mortgage Financing:   It also costs approximately one-hundred-thirty thousand dollars ($130,000.00) over the course of thirty years to finance just a $100,000.00 one-hundred thousand dollar home.

          *Credit Card Loan Financing:    An individual with bad credit will not be able to obtain a prime credit card. There are a few credit cards available for individuals with bad credit, they are called sub-prime credit cards that usually come with exorbitant set-up fees, high interest rates and often require cash deposits. Most of these credit card issuers do not report your positive credit card activity to the credit bureaus.


Q: Does paying off past due accounts help to improve my credit ratings?

To a very limited extent. The best way to improve a person's credit rating is to remove the negative item from their credit profile.

Q: Question: Does Credit Repair Really Work?

Absolutely!  Anyone with a FICO Credit Score below 750 will benefit longer term and short term from our credit eraser and credit wiping program. Those of you with scores over 750 can learn how to protect and keep those awesome credit scores high simply by purchasing and reading our 101 tip to improving your credit scores ebook.


Q: How Much Do You Charge?

Our fee structure is very understandable and has been very aggressively priced to offer our service to people who really need our service!  Some on-line vendors offer graded programs which can range as high as 60-70 or even $100 dollars per month.  Some merchants will even charge 300-400-600 or even amounts over 1000.00 upfront for services (NOT PROVIDED!)  With our credit wiping program you are simply charged for a Set-Up Fee (which includes your initial file creation, a client profile analysis, and the cost of a hard pull mortgage report/ so we can have a factual understanding of the clients credit profile; which is also forwarded to the client!)  You will also be charged; a Monthly Fee which includes (services, letters, postage and fees associated with electronic credit wiping.)  

Q: What Is Your Warranty or Money Back Guarantee?

It is very simple. Our services are backed by a full refund policy. If we fail to provide the agreed-upon services to you (as outlined by our service agreement) for any given month, you will not be billed for that month, or will be refunded your fees for that month if your payment has already been processed.


Q: How Long Will It Take To Raise My Credit Scores?

Every credit report is different and every persons personal situation is unique. Over 95% of our clients see FICO Credit Score increases in the first 60 days. Many see score increases in more or less time.  For optimum credit score increases; we recommend a combination of credit wiping and the addition of seasoned tradelines!  This is a combination we can nearly assure you with a 100% guarantee that credit wiping combined with seasoned tradelines can boost credit score for individuals up to and over the 700 level.  I'm most situations removing negative credit items will not boost most people into the 700 level; simply because their DTI on their good existing accounts which are in good standing are new or maxed out accounts; such as a newer perfectly paid auto or mortgage account. The key to boosting a score well over the 700 bar is a combination of wiping negative items and reducing DTI (Debt To Income) levels. From a credit report perspective, it is more so a (Debt to Outstanding Balance Level) they term it DTI, but in reality it is a Debt to Balance Ratio for they have no way of truly calculating your true DTI for they do not know how much INCOME you actually own. 


Q: Will Removed Items Be Placed Back Onto My Credit Reports In The Future?

The short answer is; "THEY SHOULD NOT REAPPEAR!" The actual answer is; Yes in some cases the bureaus will repost a previously bureau deleted item. It is illegal for the bureaus to do this but they do!  We have seen this "reasserting" happen before, so in these cases, they are removed immediately once they have been brought to the attention of the credit bureau with a reassertion letter.


Q: What Types Of Negative Credit Items Can You Remove?

Foreclosures, Collections, Charge-Offs, Repo’s, Medical Bills, Credit Card Debt, Inquiries, Liens and Judgments!  Bankruptcies are removed separately within our bankruptcy credit wiping program.

Q: What happens after I enroll?

Within 3 days after enrolling our credit eraser and credit wiping team will perform the most expensive portion of your case - your case setup. This includes sending you copies of our "Credit Repair and Credit Improvement" ebooks, all welcome / orientation communication, ordering of all three credit reports for you from Equifax, Experian and TransUnion, (via a TRI MERGED HARD PULL CREDIT REPORT) if needed up to one hour of consultation with one of our qualified credit consultants, processing and data input, verification and payment setup. You should begin to receive your credit reports from the credit bureaus approximately 3/4 weeks after your enrollment.  After you recieve these response reports from the bureaus you should email or fax these response notification to our credit eraser and credit wiping team immediately.


Q: Can you delete bankruptcies?

Bankruptcies are routinely removed from our clients' credit reports, as well as a vast array of items included in bankruptcy.  Although we are prohibited from guaranteeing the specific results of a specific account, we can tell you that we have removed thousands of bankruptcies in the past.  Bankruptcies are serviced within a seperate service agreement and with a per case 3 buruea fee structure.  Click Here For Bankruptcy Removal



Q: Do you charge in advance?
No. In accordance with federal regulation, Credit Repair Consultants charges only for services after we have already performed them for you.  We have a very simple fee structure which is explained above.



Q: Will I be tied into a contract?

No.  You are allowed to cancel the service without penalty or obligation at any time.



Q: Can I cancel anytime?

Yes.  You are allows to cancel the service without penalty or obligation at any time.

All correspondence must be emailed or faxed to the following address:

                                     EMAIL   :  support@creditwiping.com
                                     FAX : 888-675-7773 (Attn: Credit Wiping Team) 

Q: How long do negative items stay listed?

Federal Law requires that most negative credit items must be removed from your credit bureau file after seven years of no activity.  There are some exceptions to this, like Chapter 7 bankruptcy, which can be reported for up to ten years. However, there have been reports with negative items listed for well over 7 years. This happens often when the credit bureaus make a mistake, or when the creditor re-ages the account or is reporting a wrong "last activity" date. This can also happen with collection accounts that are sold from one debt collector to another. Sometimes, figuring out the date that the "seven year clock" starts counting from can be a bit complicated. For example, the law states that for charge-off accounts, the date begins 180 days after the commencement of the most recent delinquency.  Inquiries may remain on the credit report for up to two years.



Q: What is a credit score?

A credit score is a number that reflects your risk level, as an individual consumer, as determined by a scoring model or formula. The higher the number, the lower the risk will be to the lender. As you apply for increased credit or attempt to make a purchase, the lender will check your ability to pay back that loan. The more negative marks you have on your credit report, the less likely you will be granted the loan or purchase you requested. The score generally ranges from 350 (lowest) to 850 (highest). 



Q: What kind of information will be on my credit report?

Credit reports contain a listing of some or all of your credit accounts that have been active at some time within the last 7 years. They also contain any public records (Chapter 7 bankruptcies are reported for 10 years), current and previous addresses, current and previous names, a listing of potential creditors who have received your credit file and other miscellaneous information the credit bureau has about you. Each account listing generally has your account number, the credit limit, your current balance and your previous payment history. This payment history can contain notes of late payments, any collection or transfer history, whether the account was included in bankruptcy and the current payment status of the account.



Q: Can I see my credit report?

Most credit grantors are not allowed by the credit bureaus to show you your own credit report. But included in our enrollment procedure, we will order all three of your credit reports for you. When we do this for you it will not count as a negative inquiry against you. In addition, under the Fair and Accurate Credit Transaction Act you may be entitled to receive a free credit report. 



Q: How much bad credit does it take to be denied credit?

Even one small late pay listing may result in credit denials. Any negative credit whatsoever can become a substantial credit obstacle. There are also other factors that will play into the decision of the lender. What is your debt to income ratio? How long have you been with your current employer? The exact criteria used for granting or denying credit varies from lender to lender, but any negative/bad credit remark on your credit report may be enough to deny you credit.




Q: Who Is looking at my credit report?

Lenders, property managers, insurance companies, prospective employers, companies which you presently have a credit relationship with and anybody with a permissible purpose who wants to know who you are can get access to your credit file. In many situations your credit report will actually become your identity. People will know you not by who you are, but by what is reported about you from the credit bureaus. Obviously, those reports can be extremely damaging especially if they contain incorrect, misleading or obsolete information.




Q: What is a public record?

A public record is a file such as a bankruptcy, tax lien or judgment that is filed at the courthouse. Unlike your creditors, the courthouse does not report public record information to the credit bureaus. The credit bureaus must therefore rely on third parties or smaller local affiliated bureaus to go out and research this information. For purpose of fixing your credit, the laws that regulate the reporting of these public records are the same as any other item and are treated no differently in that regard.




Q: What is a charge off?

When you become very delinquent on an account the creditor will probably "charge it off" against their profit and loss. A "Charge-Off" is basically an accounting term used in accrual accounting that says the amount is now a loss. In a short period of time the creditor determines that the account will not be paid and they will write it off for tax purposes. Once they minimize their loss from that account they will sell that file to a collection agency to decrease the loss even further. The collection agency will then use a wide variety of means to collect on the debt. Charge offs are very negative listings.



Q: Can a bad credit mark actually be deleted?

Yes, they most definitely can be when they are found to be inaccurate, outdated, unverifiable, misleading, obsolete or legally lacking in some other way. Although the credit bureaus would have you think otherwise, we have seen literally thousands of deletions ranging from bankruptcies to late payments.



Q: Does it matter which state I live in?

No. The laws that regulate the credit bureaus and your creditors are mostly federal law. We have clients nationwide. Your rights are the same whether you are in Alaska or Alabama.



Q: Will this raise my credit score?

Best answer; "Credit Wiping Alone Can Improve Scores!" We have seen credit wiping negative, inaccurate, outdated, misleading, unverifiable or obsolete items from your credit reports will have a very positive impact on your credit profile.  In these situations your ability to get credit will also improve greatly.  For the strongest credit boosting options with nearly a 100% guarantee of increasing your credit scores to maximum levels; we recommend a proven combination of credit wiping and the addition of seasoned tradelines.  After a combination of credit wiping and adding seasoned tradelines; We Will Then Offer A 100% Guarantee;  The increase in your FICO score!   This combination of credit wiping and adding seasoned tradelines will both remove negitive tradeline items and reduce your DTI which will in fact sky rocket your FICO scores! 




Q: Is there anything that can not be removed from a credit report?

No, all information reported by the credit bureaus are subject to the same laws and criteria. We may challenge on your behalf any items we challenged and the credit bureaus must investigate these items.



Q: How many items do you dispute at one time?

Experience has shown us that investigating too many items at one time can actually slow down the process because the credit bureau may deem our request frivolous.  Therefore, we only submit investigations for the number of items that we deem appropriate for your case.  We want you to see results and will challenge as many items as possible without jeopardizing a slowdown of the process.



Q: If I keep paying my bills will that raise my credit score?

Paying your bills on time should do nothing but help your credit score. Many of our clients are trying to buy a home, refinance a home or qualify for new credit. Good payment histories will help you do all of those things. We often tell people that while we work on the past you should be working on the future.

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