Our Process

Step 1: Review Your Credit Report

During this step, we will provide a written credit review (so you can refer back to it in the future), coach you and point you in the right direction to improve your credit scores. Our goal is to set you on a path to a 700 or better score. We will also identify any negative accounts that “qualify” to be challenged or disputed with the credit reporting agencies and potentially removed from your credit reports.

NOTE: If you have no accounts that qualify to be challenged or disputed at this time, your account will be cancelled and you will receive a 100% refund of the setup fee.

Step 2: Challenging or Disputing Accounts

We will initiate our process to challenge or dispute qualified accounts or past late payments (on your behalf) with the credit reporting agencies. If the item in question is inaccurate, reporting in error or it cannot be verified; then there is a possibility that it could be removed from your credit reports sooner than the 7-year time frame.

Step 3: Review Results

Throughout each month we will monitor and review your credit reports, the results of the account disputes & challenges and update your portal accordingly. We encourage you to log in to your portal at least every 2 weeks to monitor the accounts being challenged, stay engaged with the process and to ask any questions.

Step 4: Repeat Steps 2, 3, 4

For those accounts remaining, we will change up our strategies for each challenge round, address them accordingly and repeat Steps 2, 3 & 4. We will change up our strategies and challenge accounts for you until there are no accounts left to challenge, or until you request to cancel service. Again, it’s important for you to log in to your portal at least every 2 weeks to stay engaged with the process.

Note: By law no one can guarantee, promise or imply a credit score increase or the removal of any accounts, or late payments, from your credit reports.

Terms & Conditions

1. PRIMARY FUNCTION

It is the primary function of Credit Expert LLC to provide credit score education, coaching and to help you challenge obsolete, inaccurate and unverifiable information from your credit reports that are lowering your credit scores. IT IS NOT the primary function of Credit Expert LLC to raise your credit scores. Raising credit scores is the end result of credit score coaching and you paying your bills on time. Just one new late payment can lower your credit scores 60 to 100 points.  An unpaid collection or charged off account that is updating each month may continue to suppress your credit scores.

2. No Promises or Guarantees: By law, no one can promise or guarantee a credit score increase or the removal of any negative accounts or late payments from your credit reports.

 3. LIMITED POWER OF ATTORNEY (Required by law and gives us the ability to challenge accounts, on your behalf, with the credit reporting agencies)

BY ENROLLING INTO OUR PROGRAM, you understand that you are appointing Credit Expert LLC and its representatives to serve as your attorney-in-fact, to act for you in any lawful way with respect to the subjects indicated below.

EFFECTIVE TIME: This Power of Attorney shall become effective immediately and shall continue to be effective until you cancel your service with Credit Expert LLC.

POWERS OF ATTORNEY-IN-FACT: Your attorney-in-fact shall have the power to act in your name, place and stead in any way which you yourself could do with respect to the following matters to the extent permitted by law:

THE POWER TO: Act on your behalf in discussing your account information; obtaining and reviewing your credit reports; submitting disputes and account challenges to the credit reporting agencies.

 4. TEXT NOTIFICATIONS

By enrolling into our program, you are consenting to receive TEXT notifications and messages.

5. MISSED PAYMENT

If a monthly SERVICE payment is declined or returned, please contact us to reschedule ASAP. If we do not hear from you, we will attempt to process the declined or returned payment weekly over the next 30 days.

6. 3 BUSINESS DAY CANCELLATION POLICY

According to the Credit Repair Organizations Act, you may cancel this enrollment without obligation any time before midnight of the 3rd business day from the date you sign-up. Once the cancellation period has expired, your account will be activated and our program will officially begin.

7. CANCELLING MONTHLY SERVICES

If you wish to cancel our service, call 877-772-7312, text 605-316-5051, email support@creditexpertllc.com . Our service may be cancelled at any time; however, it should be cancelled at least 3 business days prior to your next billing date to avoid future charges.

8. SUSPENSION OF SERVICES

Credit Expert LLC reserves the right to suspend / cancel our credit repair service for the following reasons:

  • The monthly service payment is declined, returned or stopped.
  • The client is not listening to our advice and/or following through with our requests
  • The client has harassed or disrespected our staff.

9. PRIVACY

We may collect, process and transmit certain data obtained from and about you in the course of your accessing the Website or during a phone consultation, including information collected in the course of an abandoned transaction. We maintain the privacy of your information as set forth in our Privacy Policy and we process your personal data in compliance with all relevant laws and codes of practice. View our Privacy Policy at www.creditexpertllc.com

10. GOVERNING LAW AND JURISDICTION 

Credit Expert LLC operates within the State of South Dakota. By enrolling into our program and agreeing to our Terms & Conditions, you understand that Credit Expert LLC is governed by the laws of South Dakota and operates under the Federal Credit Repair Organizations Act.  If you do not live in the State of South Dakota and you wish to retain our service; please understand that by enrolling into our program you are agreeing to do business with Credit Expert LLC – a South Dakota business.

Your Credit Repair Rights

Pursuant to the Federal Credit Repair Organizations Act SEC. 405

1. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, 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. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

2. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

3. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

4. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

5. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

6. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

7. If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

8. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch Federal Trade Commission Washington, D.C. 20580′.