Q: What exactly do you do?
A: We work on your behalf to have the credit bureaus remove negative, inaccurate, incomplete, misleading, or unverifiable information from your credit report in order to improve your credit score. The law requires a consumer credit report to be Maximum Possible Accuracy therefore the law is in your side!
Q: What type of items can you remove?
A: Due to the unpredictable nature of the credit bureaus we do not make guarantees on specific items. We have had success in removing all types of derogatory items, but our primary goal is to remove inaccurate, incomplete, misleading, or unverifiable items, regardless of type, to improve your scores.
Q: Can I do this myself?
A: Yes. Anyone can dispute an item on their credit report at any time. The benefit of using Advanced Credit Solutions is that you can take advantage of our years of experience, and you will not have to work through the mistakes we have already experienced.
Q: What type of payment is accept?
A: We can accept Visa, MasterCard, Discover, American Express and debit by phone. If you do not have a bank account or credit card we can accept a Money Order by mail for any of our diffrent programs.
Q: What type of communication should I expect fron ACS after I sign up?
A: You will receive updates by mail from each of the three credit bureaus within 30-45 days of each round of disputes. We do not receive or provide any updates during this period. The letters you receive are for your records only, and all we need is a copy of them, but you can feel free to call your Account Executive if you have any questions.
Q: How many points will my score increase?
A: Because every situation is unique & different there is no solid answer to this question. Our typical client will see the removal of 50-60% of the negative items from their report, and an improvement in score of 50-75 points. It does not happen every time, but we have seen scores increase by over 125 points using our Improvement program, and 175 points using the Restoration program.
Q: Is this improvement temporary or permanent?
A: Once an item is removed by law it can not be placed back on your report. The credit bureaus used to remove items from reports while they were in dispute, only to put them back once they were verified. They have changed their policy, and only remove items that are not verified.
Q: Can I pull credit prior to the completion of the process?
A: Many clients will see enough improvement after the first round or two that they can qualify for the financing they need. We do not restrict you from pulling credit during the process, but you should be aware that doing so can lower your score.
Testimonials
What Our Clients Say
Testimonials
What Our Clients Say
“I am more than happy with what you have been able to accomplish in a short time. When I started this, my credit score was 480 and I had several inaccurate items on my report including two charge-offs…My score is now 684 and I just bought a truck at a favorable interest rate…The credit union now shows my internal score with them to be 785 out of 801. This is what I call a great service .”
“I have to admit I was a little jumpy at first, but after seeing what you were able to do with my credit after only a few months, it is very comforting . Thank you for everything that you are doing for me and please Thank your staff for all of the hard work.”
“I know you must get thousands calls and e-mails, but I want to quickly let you know how much I appreciate the last report I received, and also the letter from you. Since we last spoke, I have received the most prompt response from the credit bureau, and more information for me to use in expediting the process. Thanks for your professionalism and conscientious approach to my situation.”
Why Would a Credit Bureau Want You to Have a Low Credit Score?
The answer is simple and logical: Would you take advantage of a 15% credit card offer if you had an 800 credit score? No. Would you take advantage of a 21% credit card offer if you had a 500 credit score? Yes!You having a low credit score is BIG BUSINESS for the credit reporting agencies. They sell your good name and information to credit card companies for numerous credit card offers to land in your mailbox. What they don’t tell you is that these so called soft hit inquiries” that are on your credit report, do affect your credit score, and eventually you will have the perception of a low credit score and will take one of the offers.By repairing your credit, you can add 50 – 150 points quickly to your scores in a short time.
Plus, THE LAW IS ON YOUR SIDE!
