FAQ’s

How is Credit Expert LLC different from other companies?

We do more than just challenge past negative accounts with the credit reporting agencies. We will review your credit reports and create a personalized Credit Score Improvement Plan that will point you in the right direction to improve your credit.

We will then challenge “qualified” negative accounts (for you) with the reporting agencies. It is possible that the accounts in question could be removed sooner than 7 years to help you.

Our goal is to help you grow your scores to 700 and beyond. Results vary by client; however, the key is to listen to our advice, take the right action, have patience and stay engaged with the process.

What is your guarantee?

By law, no one can guarantee account removals or a credit score increase within a specific period of time.

However, we can promise you this… we will use our 15 years of knowledge and experience to accurately coach, help and point you in the right direction to raise your scores. There is a reason why we are accredited with the Better Business Bureau and we have an A+ Rating when others do not.

How long does it take to increase my credit scores?

That is a popular question and it really depends on each person’s situation, and no situation is the same. There are several factors that need to be reviewed and considered. This is why we create a personalized Credit Score Improvement Plan to help you improve your specific credit situation.

Why do you charge only $49 per month when other companies charge a lot more?

We are here to help you, not break you.

We have been told by many customers that there are companies charging anywhere from $69 to $299 per month (or more). Does this mean they provide a better service? Of course not. We all operate by the same FCRA rules. However, some companies are attracting consumers by promoting promises and guarantees for a quick fix, score increase, items removed from the reports, or a specific time period to improve credit. BY LAW, no one can make such promises or guarantees.

Also, we do not require our clients to sign-up for “extras” like paying for a credit monitoring service just so we can review their credit reports each month. We encourage our clients to utilize the free resources available to them.

Over 15 years, we have literally coached, helped and pointed thousands of consumers in the right direction to raise their scores. The key reasons why our program is popular is due to our experience, our A+ rating and our low $49 per month service fee.

Do I need to pay my unpaid collections?

If the collection is reporting and updating each month, the answer is YES.

Many consumers have been misled by unreliable sources. They have read or were told that unpaid collections can be removed from their reports without paying them. Here’s reality…

1) According to the Credit Repair Organizations Act, “Neither you nor any ‘credit repair’ company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report.”

In other words, it is illegal to remove verified and current unpaid collections.

2) If a person or company guarantees the removal of a verified unpaid collection; they are performing two illegal acts. 1) by law they cannot make such a guarantee and 2) refer back to #1.

If removed… there is a very high chance that the collection will return and you just wasted your money.

3) If the debt is valid then you owe the debt. The creditor may sue and obtain a Judgement against you, which can lead to wage garnishment or worse, a levy placed on your bank account.