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FAQ

FREQUENTLY ASKED QUESTIONS

At Credit Brokers we like to be as transparent as possible with our clients. We are always ready to answer any questions you may have about the services we offer.

 

If you have a question... We have an answer.

 

We can help you!

HOW YOU CAN CONTACT US

email

You can send us an email to info@creditbrokers.com We will answer you as soon as possible.

call

You can call us at 1 (562) 414-4192. One of our specialists will answer your questions.

read

Or you can also read one of the most Frequently Asked Questions on this page.

READ MOST FREQUENTLY ASKED QUESTIONS

I'M READY TO SIGN UP RIGHT NOW. HOW DO I DO IT?

 

It all starts with a credit assessment, which you can get by visiting our Sign Up page or calling us toll-free at (562) 419-7088. We're different from our competition, every one of our clients receives individual attention from Credit Brokers. We formulate a customized plan of action based on your specific needs. No two clients are alike!

 

HOW MUCH DOES BAD CREDIT COST?

 

The cost of credit repair is small compared to the cost of living with bad credit. Below are a few examples of the cost of bad credit.

 

AUTO/CAR LOAN

 

If you are making vehicle payments, you are most likely paying between $4,000 and $10,000 more over the course of the loan just for having credit score issues. This added interest shows up every month in a higher payment. Example:

 

$23,000 Vehicle Financed for 5 Years

HOME LOAN

 

Damaged credit on a vehicle is nothing compared to the effect of damaged credit on a home loan. A typical home can cost between $180,000 and $300,000 more in interest of a 30-year loan, if you are buying the home with damaged credit. Example:

 

$120,000 home paid over 30 years:

$190,000 home paid over 30 years:

HOW LONG DOES IT TAKE?

 

Everyone wants you to see results immediately. Although everyone's credit history is different, most people will see the best results within the first 25-45 days of their membership. The majority of time is spent waiting for the credit bureaus to respond to our requests. We make sure to get our disputes to the bureaus as fast as possible.

 

CREDIT CARDS

 

It is not unusual to not be able to get an unsecured credit card with damaged credit. The accounts you will be approved for will typically have low credit limits, higher rates and have higher than normal penalties and fees for things like late payments.

 

IS THIS LEGAL?

 

Yes, you are given the right under the Fair Credit Reporting Act (FCRA), including the right to challenge inaccurate, misleading and obsolete items appearing on your credit report. Our processing team use every venue available to you under the law to help you in getting your credit to where you want it to be.

 

WHAT IF REMOVED ITEMS REAPPEAR?

 

This happens occasionally either by accident or a creditor has eventually verified a particular item. This is what is known as a 'soft delete'. The FCRA (Fair Credit Reporting Agency) has made it much more difficult for a creditor to replace an item once it has been removed. Credit Brokers will re-challenge the item with the full force of the prior removal in our favor.

 

HOW IS THIS DONE LEGALLY?

 

Disputing items on your credit report is your legal right (see the Fair Credit Reporting Act). When you use Credit Brokers to help repair your credit, we are abiding by and using all federal and regional laws regulating third party credit repair assistance.

 

WHAT IS A CREDIT SCORE?

 

A credit score is a numeric indication of how likely you are to repay debts such as loans or lines of credit. Lenders use this number to determine how much of a credit risk you are. Usually a credit score is between the numbers 300 to 850. The higher your score, the more "creditworthy" you are to lenders. Credit scores are based on the data in your credit report and are generated by computers using artificial intelligence.

 

WHAT IS MY CREDIT SCORE BASED ON?

 

Credit scoring is based on many factors that may include:

  • Payment history
  • Recent requests for credit
  • Amount of available credit
  • Length of credit history
  • Amount of credit currently being used

Under the Equal Credit Opportunity Act, credit scoring may not use race, gender, national origin, marital status, or religion as factors.

 

HOW CAN BAD CREDIT BE DELETED?

 

Negative credit listings are deleted from people’s credit reports each and every day! At Credit Brokers we are working hard every day challenging questionable and damageable credit entries for our clients. Utilizing proven and legal methods, Credit Brokers is a professional organization working for you and your credit.

 

WILL I GET RESULTS?

 

Yes! First of all, we always point out to our clients that we DO NOT accept everyone as our client. Some clients we cannot help and believe us, if we cannot help, NO ONE CAN. We know from experience that due to our one on one personal approach, our clients experience nothing short of tremendous results. The ranges of success are as endless and unique as our clients. We form a team with our clients, giving them every advantage they can have in the credit world. Yes, achieving results requires that we work as a team. Your results will reflect that team effort we create.

 

HOW MUCH DOES IT COST?

 

We have programs starting at $199, may vary depending on client's needs.

 

 

DO YOU HAVE MORE QUESTIONS? CONTACT US

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CONTACT US

*DISCLAIMER*

 

As our company has grown, so has our affiliate program. With that said, if you run across a Credit Repair Brokers in your market or on the web, please make sure they are affiliated with us. If they aren't, they are a scam and in no way part of our company.   If a Credit Repair broker doesn't have a marker on our map, they are NOT an affiliate with Credit Brokers.  If they do have a marker, then feel at ease to proceed.

 

*Money Back Guarantee if no improvement to your credit within the first 150 days.

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