While based in Goldsboro NC, We provide turnkey professional services from simple to complex credit issues to clients across the US. We offer a no-cost, no-obligation free initial consultation to discuss your personal credit issues to determine the best course of action. If we determine we can help you, we will review our agreements with you for your approval. We have an exclusive, pay only if we get results fee schedule. You have nothing to lose and so much to gain. All credit reports are different, your costs will be determined based upon the items on your report we are successful in removing or improving.
Initial Investment
Account Set Up Fee
$184 or $284 (Includes Spouse) Account Set-Up Fee. Your Initial Tri-Merged Credit Report is included in your Account Set-Up Fee. Once we sign all agreements, we will then set up your account with information from your credit report. We offer a discount if you wish to have your spouse's credit included at the time of initial sign up.
$40 Per Item Improved or Removed
No Risk Fees! You Pay ONLY when we Remove or Improve items on your Credit File. It's just that simple. Never pay for credit repain in advance. Only Pay For RESULTS! After All, Isn't That The Way It Should Be?
New Credit
We will discuss your particular needs based upon your credit file and advise accordingly. While not always advised, sometimes establishing new credit can raise your credit score.
Services & Prices
919-751-1988 4046 US Highway 70 East, Goldsboro, NC 27534
Frequently Asked Questions
1. What can you take off of my credit bureau report?
We can take off unpaid collections, charge-offs, repossessions, bankruptcies, medical bills, foreclosures, tax liens, civil liens, judgments, student loans, credit card debt, inquiries, slow pays, old addresses and all incorrect names.
2. How long does information remain on my report?
Credit bureaus report credit information for a period of seven (7) years. Some states have special provisions for collections and paid liens. Chapter 7, Chapter 11 and Chapter 13 Bankruptcies are each reported for 10 years and the date is measured from the date of the filing.
3. Why do Credit Bureaus not want me to use a Credit Repair Company?
The credit bureaus do not like credit repair companies. They are in the business of accepting the information from creditors and consider it as accurate unless proven inaccurate. They will tell you that it is easier and less expensive to do it yourself. While it may be true that you have the right to repair your credit yourself, many individuals do not have the time, experience and organizational savvy necessary to deal with bureaucracies. You must also spend hours of study to gain a working knowledge of the consumer laws available to you. Many who start repairing their credit turn to a credit repair company after months of work.
4. How long would it take Certified Credit Consultants to improve my credit scores?
It depends on many variables. Every credit file is different as every person is different. Our system has seen improvements posted as quickly as 2 weeks while other repair projects have taken up to 6 months. It also depends upon what the goal is for each client as well as the responses of the credit reporting agencies and creditors. On average 75 days! There really is no "Credit Fairy"!
5. What should I do with the mailed credit reports that I get from the credit bureaus?
We need the information to update your file and determine the next course of action. Make copies and send it to us. You can fax @ 919-751-1753. You can scan, save as a file and email to Info@CertifiedCreditConsultants.net. or Mail to PO Box 10005 Goldsboro, NC 27534.
6. How often should I expect to get mail from the credit bureaus?
You should recieve your first responses within 45 days with an updated credit report.
7. Will the accounts you take off my credit bureau report ever come back?
On average only 1 out of 10,000 will re-appear back on your credit when we remove the account. After the account has been deleted two times, by law it can not be put back on your credit report.
8. What is the names of the three Credit Bureaus?
Experian, Transunion, Equifax /CSC Credit Services.
9. Should I pay off my past due bills:
The current credit reporting system is unique in deternining scores. When an old debt is paid off, the negative credit listing doesn't disappear. The fact is it re-establishes a date of last activity and the 7 year clock begins again with that negative listing. One of the flaws with the current system is that when you pay a current overdue bill or collection it actually lowers your scores. This actually penalizes the creditor for paying off old debts.
10. How does a Credit Bureau make money?
Credit bureaus are private corportations that are in the business of making money by selling your credit report to others. The lower your credit score the more money they make. They have every incentive to keep a system in place that is so confusing to the average person that consumers are confused as to how to get a better credit score. A person with bad credit means more business for them because they apply for credit 10 times more than consumers with high scores.
11. Who can see my credit report?
Any company that is a member of one of the credit reporting agencies.This may include an insurance company, a prospective landlord, a prospective employer, a collector or a government official.
12. Why should I use a Credit Repair Company?
I explain it this way. You can change the oil in your car but most of us do not have the time or expert skills necessary to complete this task without damaging our car. Some have tried to fix their credit themselves with limited results. We highly recommend that you hire us and have the peace of mind that experts are working to get the best results. Your credit is too important to you and your family to gamble with.
13. How does Certified Credit Consultants legally remove derogatory credit items from my file?
Is if no different than pleading "not guilty" in a court of law. It is your right to dispute items on your credit report We use legal methods afforded consumers un the Fair Credit Reporting Act to dispute items on your credit report that are not 100% accurate.
14. Do you guarantee your service?
Yes. You only pay when we are successful. It's that simple, you pay only when we "Improve or Remove" an item on your credit file. We are the only firm to take all the risks, do all the work, and get paid only upon positive results! So what are you waiting for, hire us today and start on the road to better credit scores!
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Call Toll Free 1-855-547-3299
