Frequently Asked Questions
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What if all of my negative items are accurate?
As you’re looking over your credit situation, naturally you may ask yourself: what if most or even all of the negative items on my credit report are accurate? Will BetterCredit.com still work for me?
Well, there are more opportunities for change and growth than you might think. Here’s why. Creditors sell very critical information about you every day.
It’s information that can affect almost everything in your life, from your car payment to your house to your job. So, it’s important to make sure that your information is as substantiated (proven), up-to-date, accurate and fair as absolutely possible. A lot goes into these definitions.
This is where the BetterCredit.com experts come in. It’s their job to help you assess the items on your credit report and then intervene with your creditors to help uphold all standards regarding your information reported about you to the bureaus. So, see what the process can do for you. The impact we can make on your credit history may surprise you.
How long before I see results?
It’s a pretty normal question to ask: how long is this going to take? The honest answer is that it depends — on your goals, your situation and your current credit history. That’s actually one of the best parts of BetterCredit.com — we look at you as an individual and build your own personal Game Plan accordingly. Your Game Plan focuses on the areas that will make the most impact in the shortest amount of time – and helps the BetterCredit.com experts get to work quickly to ensure your creditors are reporting the correct information about you.
Can you help while I’m going through a bankruptcy?
It might seem like thinking about credit repair while you’re going through a bankruptcy is kind of like putting the cart before the horse. But it’s actually one of the best things you can think about–and, yes, it may help in a few very important ways. When someone files for bankruptcy, it’s easy for revised items to slip through the cracks or be reported incorrectly. When this happens, the impact on your credit score can be more devastating and linger longer than it should. With the BetterCredit.com experts, you have a team who knows all about the credit system helping to make sure that everything appears correctly and is removed when it should be. And when you’re dealing with something like bankruptcy, it feels good to know that experts who are skillful and trustworthy are looking out for you.
Is credit repair worth it? Why?
To know whether credit repair is worth it, you just have to look at what your credit impacts. These days, it seems like it’s just about everything. When you start realizing how far it goes, it’s easy to do a little math. Not having ideal credit can cost you thousands and thousands of dollars over the course of a home or car loan. It can keep you from getting insurance coverage or even a job. It can make even everyday needs and decisions more difficult.
When you compare this to the confidence and assurance of feeling in control of your credit situation and the opportunities that brings, the value of credit repair can seem pretty priceless. Luckily, having the experts at BetterCredit.com working diligently to help you tackle your credit issues. It’s a pretty great value that may impact a lot of the things you value most.
Do you offer debt settlement?
BetterCredit.com focuses upon how your credit reports look. In other words, we work to help safeguard your financial reputation so that you can get the credit you deserve. On the other hand, debt settlement companies offer something very different. They negotiate with your creditors to create payment plans. Sadly, sometimes those debt negotiators can make your credit reports look even worse. Credit repair is unique. Rather than settling your debts, they work to help ensure that problematic negative items on your credit report are substantiated, relevant, accurate and reported fairly. And they work hard to help get them removed when those standards are not met.
With BetterCredit.com, the answer’s in the name. Our experts repair and help to defend your financial reputation and overall creditworthiness.
What are the associated costs with your services?
As valuable as the possibility of better credit is, the cost to start taking control of it is simple. Every situation is different however so we offer services to reflect your individual needs. There is a one-time charge of $25.99 to pull your credit report for you. There will never be any additional costs or fees – it’s that straightforward.
Can we communicate through Email?
We are here for you throughout your credit-repair experience. You can always email us with any questions you have. We’ll get back to you promptly so that we keep you moving forward.
If you are not already a member of BetterCredit.com and have questions about our service, email us at [email protected]
If you are a member and have questions about your account, email us at
Where are your offices located? Do you have an office in my area?
We are based in Sarasota, Florida with a few offices throughout the country. However, our advisors are available by phone or email enabling us to help you no matter wherever you’re located.
What are the hours I can speak with a BetterCredit.com Advisor?
We understand, sometimes you just want to talk to somebody… ask questions, understand process better or get some encouragement through the process. We’re here to talk to you, during the following hours:
M-F 8 AM to Midnight EST
Sat 9 AM to 7 PM EST
Sun 11 AM to 7 PM EST
Already a Member? Call 800-800-4124
M-F 8 AM to 10 PM EST
Sat 10 AM to 7 PM EST
What is the Fair Credit Reporting Act and why was it created?
The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act. The FCRA provides additional measures of consumer protection in the areas of fairness, accuracy, and privacy of the information collected by the credit bureaus. It also allows you to personally engage in credit repair and maintenance processes, verifying that the information in your credit report is correct.
What are the three credit bureaus?
A credit bureau – sometimes called a “consumer reporting agency” – is a business that collects relevant consumer information from creditors and courthouses, and then sells that information to interested parties such as potential lenders. Such information is sold in the form of a credit report. In the U.S., the three major credit bureaus are TransUnion, Experian, and Equifax.
What is a charge off and how do I remove or fix it on my credit report?
When an account is unpaid for more than 180 days, a creditor usually writes off the debt as a loss on their financial statements. This is known as a charge off. Once a debt is deemed a charge off, it is either transferred to an in-house collections department or sold to a third-party collection agency who will likely contact you in attempt to recoup the balance.
How long does it take to fix bad credit?
There is no fast and easy answer to this question. The time it takes to repair your credit is completely dependent upon your personal situation and your credit history. BetterCredit.com values each member’s unique situation and provides customized strategies to suit your needs. We work with you quickly to remove negative items and create a new credit story.
What is a credit repair company and how can they help?
Although you have the ability to repair your credit alone, seeking the help from an experienced credit repair company will speed up your results. A good credit repair company will help you contact the three credit bureaus, and continuously monitor and work until your scores are improved.
How long do negative items stay on your credit report?
It’s a common myth that negative items must remain on your credit report for a minimum number of years. In fact, there is no minimum time-frame. Creditors control the information they provide to the credit bureaus. They can also choose to remove negative items as well. With BetterCredit.com working for you we’ll ensure that only the positive items remain.
Why is credit repair important?
Credit affects every area of life. When your credit is bad, it follows that your day-to-day activities are also affected. We find that bad credit may face similar hardships in the areas of their lives such as limited accessibility to a better home, vehicle or chances to acquire education benefits.
How much does credit repair cost?
Make no mistake… bad credit comes at a cost. Credit affects every area of your life, from your ability to buy a house to the way potential employers view your application. Those living with bad credit understand the challenges it causes, including higher interest charges, longer lending terms and limited access to improve your standard of living.
Where can I fix my credit score?
Several laws provide consumers with the ability to challenge creditors regarding past items reported to the credit bureaus. Everything appearing within a credit report must meet three consumer protection requirements: 1. The information must have been fairly reported. 2. It must be entirely accurate. 3. It must be fully substantiated (documented with evidence).
Can I get a loan with bad credit?
While bad credit does limit your borrowing options, it may still be possible to find a lender with bad credit. The question remains however, is a bad credit loan worth the disadvantages it carries? You may end up spending more with the interest charges than the price to repair your credit history.