We believe that being educated about credit goes hand in hand with maintaining a healthy credit profile. Be sure to browse through our Frequently Asked Questions. If your question is not listed here, feel free to reach out. We will gladly assist you.
Yes! The Fair Credit Reporting Act (FCRA) gives you the right to dispute any item
on your credit report.
We can assist with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
You can start to see results in as little as 30-45 days. While there is no exact timeframe we can provide by law on how long it will take to complete your profile, we recommend being enrolled in the program at least 6 months. Depending on your credit profile, it may take longer.
Payment reimbursed if no results within 60 days.
Yes, you can. However, be prepared in knowing it takes a lot of time and effort to effectively complete the job; including studying credit law to educate yourself, contacting creditors, collection agencies, the 3 bureaus, verifying information, settlements etc… Many people choose to have a credit expert complete the work on their behalf as it is their profession- similar to having a mechanic perform your car’s repair.
No, this is one of the most common misconceptions about credit. Checking your credit score will never negatively affect your credit. All myfreescorenow.com does is compile your existing information from Experian, Equifax, and Transunion in one setting.
IdentityIQ allows us to use a complex system to compile a full credit report audit on your behalf. Within the report, you will see any and all negative items on your report (charge-offs, collections, late payments, repossessions, etc). During our call, we will go over the comprehensive audit together.
NO! One of the biggest misconceptions among customers is that paying a collection will cause the score to go up. This is not true. In fact, most collections agencies will not remove the negative item from your credit report even if you pay it. That’s why we highly recommend NOT to pay any collection while undergoing our credit repair services as it is not necessary and WON’T increase your credit score by any means
There are many different factors that can influence your current and future credit score. If, for an example, your utilization remains above 50% after all negative items are removed (such as charge-off, medical collections, etc), your credit score will still remain under 700. But if vou follow our personalized game plan for vou, we can guarantee a minimum of 720 after credit repair.
As we will receive monthly on your credit report, you will see exactly what we see. Our following disputes will be based on the current month credit report. If for any reason you cannot log into your client dashboard, you can reset your Username and/or Password. But please be sure to notify of our team to reset your login information at service@violetraysolutions.com
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