TESTIMONIALS
"After starting your program, I have seen an amazing transformation. Your information was incredibly informative and helpful. Who would have thought! I was very sceptical and wary about receiving your information in the mail Even my lawyer said it couldn't be done. Boy, I'm happy that I started your program! You offer a great program, great information and a lot of positive results."
"My wife and I were discharged in January 2001. We lived on a cash-only basis after the bankruptcy. Then we started the CreditFixNow program. It changed everything. At first, I was very sceptical As a matter of fact I didn't even want to do it (my wife made me). But let me tell you, you have changed my life! We are now almost fully recovered. Things are looking good. I am even thinking to go into business for myself. So thanks again."
Our President Wants You to Know
There are many different approaches that can be taken to turn a poor credit
rating into a good one. However, the three main tools that a consumer should be
armed with before challenging negative information on a credit profile are the
(FCRA) Fair Credit Reporting Act, (FCBA) Fair Credit
Billing Act and the Fair Debt Collection Practices Act
(FDCPA). These three statutes are the most important Federal
Statutes protecting our clients’ rights. We exercise and enforce them. But we do
not stop there. We submit fraud alerts in cases of possible Identity Theft. We
challenge inquiries that have been erroneously or without a permissible purpose
been listed on your credit profile. We remove erroneous personal information
such as name variations, previous addresses as well as Social Security Number
variations. We believe that the only number you should use is the one originally
issued to you. Too many inquiries and your Fico score will drop; especially if
there have been more than four in the past six months. Its’ a little more
complicated than this but to keep it in laymen’s terms this is more or less the
case.
In certain circumstances we apply the statutes of FACTA Fair and
Accurate Credit Transaction Act and the all encompassing CPCA Consumer
Protection Credit Act. It’s under Title 15 Chapter 41 of the US Code.
Your rights under the Fair Credit Reporting Act (FCRA)
You cannot be discriminated against based upon your race, religion (lack
thereof), creed, geographical location, particular lifestyle and/or any
subjective personal observations.
You can challenge who in fact has a
permissible purpose to view your credit profile.
You have the right to
challenge negative information that has a negative affect upon your credit
rating and any information that is over seven (7) years old. Public Record items
can stay on for ten years (10) such as Bankruptcies but we can remove them as
well under certain circumstances. State and Federal Tax Liens can stay on
forever if not paid. They can stay on for ten years from the time they were
paid.
There is a time line for negative information but not for positive
information. Don’t let any creditor tell you otherwise.
You have the right to
your dispute investigated within a reasonable length of time. Thirty days (30)
is considered reasonable.
Your rights under the Fair Credit Billing Act (FCBA)
You have the right to challenge unauthorized charges and to be billed correctly and completely to your current place of residence. You have the right to compel the credit bureaus to delete negative information if the creditor did not deliver the goods in a manner initially agreed upon or if there were errors in the date and time of the bill. The Federal Trade Commission summarizes the statute to provide you with wording we all can understand. It says your creditor must not fail to post payments and other credits to your account including returns; they must send bills to your current address-provided you have sent them your change of address, in writing, at least twenty (20) days before the billing period ends. This is very important. Furthermore, charges for which you ask for an explanation or written proof of purchase along with a claimed error or request for clarification must be sent to you.
Your rights under the Fair Debt Collection Practices Act
If there is a collection agency involved they must prove they own the debt and they are bound to the statutes of the FCBA. We know this and it is the reason why we are so successful with collection agencies. Most of them do not even know what the law demands of them and some do but don’t follow it. They think they can treat you anyway they want but they cannot, they cannot call you before 8 in the morning or after 9 at night. They cannot threaten to take legal action and then not do so. They cannot curse you scream or treat you in any demeaning manner. They cannot contact you at your place of employment when given notice. They must cease and desist from any communication with you when notice to do so has been served upon them or when you are being represented by legal counsel. Our company is so structured to earn money only if we are successful in deleting negative information from your credit report. That is why we go to great lengths to do so. Unfortunately, by law we are forbidden to guarantee any results, so we decided to guarantee the money, meaning if we do not remove the negative items we will refund the entire set-up fee. When can you request your money back? 35 business days from the date we submit your documents. This is usually five days after you sign-up. You may cancel within those first five days. Our work is to be considered complete after forty business days from the date you sign-up. The client must again sign a release for the services we rendered (meaning they agree we removed the negative information) and that they want us to continue working on their file. I’ll make sure you have nothing to lose.
For further information Call Toll-Free 1-877-CREDITFIX (273-3839) or you can fax us your inquiries at (818) 774-3700.
You can also sign up for our services online.