Within 3 to 5 business days from the time you sign up our specialists will begin working with the credit bureaus toward removing the negative erroneous items from them. Please understand that credit repair is a 6-12 month process maybe even more depending on your situation.
There is no definite answer, however normally 45-60 days including processing and mailing time from the credit bureaus. We typically suggest that you will receive your reports within 60 days of signing up. If you do not, you can always contact a representative or email us for an update of your service.
Unfortunately, the credit reporting system just doesn’t work that way. When you pay your debt, the negative erroneous credit listing doesn’t disappear. There is little difference between a paid negative item on your credit report, or an unpaid one. In most cases, you won’t get much further by paying the old debt. We can recommend a debt negotiation service to help you in that situation…simply ask your representative.
Our credit service specialists are the only ones who will see your credit reports, however if you are applying for a job, employers may review your credit file and if you are in the process of trying to get financing on a home, auto, credit card, charge card or personal loan.
Once we have your credit reports, we dispute the credit reporting agencies, court house, and creditors or lenders on your behalf. Any information the agencies or creditors cannot verify is removed. Any verification not responded to within the allowed response time is removed.
Probably sounds easy, but if you ask someone who has attempted to verification their own credit, they will tell you it’s actually not. According to federal law, the credit agencies can ignore your verification under a variety of conditions. A large percentage of verification letters sent directly from consumers are rejected under one credit agency pretext or another, making it a very time consuming and frustrating task.
After we verification your negative erroneous credit, a new copy of your credit report will be sent to your address showing any deletions or improvements. When you receive your new copy you’ll send us the updated version of your credit report, so we can continue verification the remaining negative erroneous items.
Any accurate and verifiable information will remain on the credit report. All too often, verified credit items cannot be verified or in many instances the creditor will not respond to our verification due to our approach and the negative erroneous item is removed verification.
Yes, our methods of disputing have proven to remove any type of erroneous late payment whether it is 30, 60, 90, or 120 days late. We see more erroneous late payments being removed than any other negative erroneous item.
Yes, collections can be removed for many reasons, including being incorrect, outdated, untimely and unverifiable etc. We also can recommend a licensed debt negotiation service that can have your collections and other outstanding debts negotiated in most instances by 50%. But remember that paying off debt does not get it removed from your credit report and score. The debt negotiation service may require a separate fee, which is not included in the cost of services provided by Score Revive.
Yes, our proven methods of verification can remove erroneous repossessions. Repossessions are difficult to remove, so the percentage of removals would not be as high as a simple erroneous late payment for example. However, there is no action step or approach that we won’t take.
Late payments that are erroneous on student loans can be removed, although student loan debt cannot be settled.
Yes, a creditor must provide documentation showing you applied for credit with their company, if they do not provide proper verification then the erroneous inquiry is removed.
- Late Payments
- Charge Offs
- Personal Identification changed or corrected
- Closed Accounts
- Negative Settlements
There are 5 important components that make up one’s credit score:
- Payment History, this is about 35% of your credit score and basically is looking at how many times you have been late vs. on time.
- Amounts Owed, makes up about 30% of your score and is what you owe vs. what is available.
- Credit Length, is 15% of the overall score and looks at how long your accounts have been open.
- Types of Credit, even though it is only about 10% of your scores make up, it is still very important as this is a breakdown of your installment vs. revolving lines of credit. You want to have a good mix of both these types.
- New Credit also is only 10% of your score but is looking to see when the last time you applied or opened a new credit line and what type it was.
We understand that you have placed your trust in us and we take that responsibility seriously. This is why we want you to feel safe when working with us. Score Revive is committed to quality, achieving results, and providing “5 star level” client support.
- That you can cancel your service at any time
- That no one will over-promise or guarantee a specific outcome
- That your private information will be protected and secure
- That you will be treated professionally and courteously
- That all of your requests will be responded to in a timely manner
100% Money-Back Guarantee:
When we work on your file, we expect results – and so should you! If Score Revive fails to force the removal of any erroneous credit within the first 90 days you are entitled to a full and complete refund of every dollar spent.