Excellence Credit Group

Yes, credit repair is legal. It's important to note that credit repair is legal in all 50 states. There's a federal law that guarantees consumers the right to dispute information in their credit report to have it corrected. According to the law (FCRA) Federal Credit Repair Act, you have a right to dispute any incomplete, inaccurate, unverifiable and outdated negative information.

Yes! We offer a Do It Yourself (DIY) Plan.

It depends. Everyone’s credit situation is different, so how long it takes for you to achieve your expected results will depend on the number of derogatory items on your reports, your participation in sending your investigation results back to us, and the level of credit bureau cooperation. The bulk of the time is spent waiting for the credit bureaus or creditors to respond.

Anything inaccurate, unfair or unverified can be challenged with the bureaus and your creditors. This includes collections, late payments, charge-offs, liens, bankruptcies, repossessions and more.

Yes, your creditors may report an item again, even after it’s been removed or deleted. That’s why it’s important to contact both the credit bureaus and your creditors. This will increase the likelihood that inaccurate or unfair negative items will not reappear on your credit.

No. Even after a questionable negative item is removed from your credit, the actual debt is still owed (assuming it was valid to begin with). If you don’t pay the debt, the creditor or collection agency may re-report the listing. Removing a negative item without addressing the debt is only a temporary solution. In fact, if you feel a negative credit listing is 100% accurate, timely and verifiable, we recommend you don’t dispute it.

To protect you from identity theft, the credit agencies require proof of identity and proof of residence before they will investigate your account. We attach these verification documents to each one of your dispute letters. To get started, upload your identification documents through your personalized client portal. A list of accepted documents has been provided below: Social Security Verification Photocopy of your Social Security card Photocopy of your pay stub displaying your full Social Security number Photocopy of your W-2 Address Verification Clear copy of a current bill (utility, telephone, etc.) with your complete name and current address Copy of your driver’s license/state ID with current mailing address

Every 30-45 days, your file will be reviewed. Based on the documentation received from you and any creditors, a new set of dispute letters will be generated. In addition, you will receive a status update showing the progress and deletion of accounts to date (this information is also accessible through your client portal).

How can I enroll today and book an appointment? ​Yes, click on the link to schedule a free 20 minute consultation that's located throughout the website.

Yes, we accept all major cards, checks are not accepted.

A consultation is an overview analysis of your 3-in-1 credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion). A credit specialist will ask you questions to determine which accounts on the report you are questioning and conduct a needs analysis to discover your credit goal(s). From there, we provide recommendations based on your credit profile and your needs to help you crush your credit goal(s). The consultation is designed to be a brief introduction to me and my services to determine whether or not you are a candidate for credit restoration. If you are ready to proceed with our services, we will next do a detailed audit of your credit reports and begin the process of disputing those inaccurate, unverified, and/or questionable accounts.

Your audit is a comprehensive analysis of your credit profile, broken down into easy to understand, actionable segments. After reading your audit, you will understand all aspects of your credit profile, and you will also know how we are going to work together to increase your credit score. Your audit will include a complete description of each item on your credit report, both positive and negative, along with action steps that you should take to improve your credit profile and credit scores.

You are charged between 1-5 days after the audit is complete.

Yes, a 3 in 1 credit monitoring service is mandatory while you are enrolled in the program. We need access to your credit report at all times to track the progress. Without an active monitoring service, we cannot assist you.

We make attempts to challenge inaccurate, unverified, questionable accounts with the credit bureaus, collection agencies, and the original creditors. I would assist you in building a strong credit profile and educate you throughout the process. You have 24/7 access to the client portal to keep you updated with the process and communicate with me via the client portal.

Yes! Your audit includes personalized advice geared towards your credit situation. If we feel you need additional lines of credit or better lines of credit, I will include sources of credit lines that will benefit you in my recommendations, and I’ll be sure to explain your options thoroughly.

Our clients usually see results within 45 days but the credit bureaus have 30 days to process disputes. The repair process can typically take 6 months to a year depending on the number of items we need to dispute

Credit monitoring is the process of periodically reviewing your credit reports for accuracy. Credit monitoring helps protect you against identity theft and monitoring any changes and/or inquiries made to your credit file. You will need it throughout the program click here: https://idclub.com/redirect.asp?GUID=4VI3WBFM3VNW&sid=00828

35%—both timely and untimely payments. 30%—The amounts and types of outstanding debt. 15%—The time since an account has been opened. 10%—Number of recently opened accounts and recent inquiries. 10%—Number and types of accounts such as credit cards, retail, etc.

Removing anything from your credit reports does not remove your obligation to that debt. You still are legally liable for the debt and need to settle it if it is within the statute of limitations in your state. If you feel you are over your head with debt, bankruptcy might be something you should consider, that is the only legal way to remove yourself from debt liability.

In a word, yes, it usually is. If you have inaccurate negative items on your credit reports, that may impact your ability to get a loan or new credit, a house, an apartment, or even a job! And it isn’t only accounts that matter. Lenders and employers may also look at your “aliases” and past addresses for an indication of your trustworthiness. It’s common for credit reports to list the wrong name, birthdate, and address. Worse, they often list misspellings and variations as aka’s or past addresses. A person who’s lived in the same place for 30 years may have a dozen different “addresses” listed! There’s a lot more to credit restoration and credit counseling than disputing obvious mistakes. Call us today to and out more.