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.