General Information
When confronted with negative claims on your credit report, it's understandable
that you would have a number of questions. You’re not alone. Not surprisingly, many
people have the same questions about credit restoration, so we've listed the most
common ones here. If your question is not on this page, or if you want more
information, feel free to contact us.
Can I consult with someone at CallCreditRX.com before I decide to sign-up?
Absolutely! We encourage you to call or Chat Online with one of our professional
credit analysts and ask any questions that may help you in determining the best
solution for your credit needs. Call 1-800-750-5027 to talk
to someone now or just join our Chat Online Service now. You can also visit
the Contact Us page on our site and contact one of
our representatives at your convenience to learn more about your credit report repair
options.
Why should I choose CallCreditRX.com instead of another credit repair firm?
We Get Results. There are several factors that set us apart from our competitors.
CallCreditRX.com prides itself on our results, superior customer service and utmost
respect for clients. We stay current on consumer credit laws and economic
issues, and we utilize the newest technology and proven techniques to ensure successful
removal of inaccurate credit report information for our clients.
CallCreditRX.com provides the following advantages: Your case is reviewed
by a personal Credit Advisor with a complete understanding of your legal rights
under all applicable Federal statutes. We stay current on consumer law as
it pertains to credit repair and credit bureaus to make sure that our clients receive
the best possible results. You will work one on one with your personal Case
Advisor who is also well educated in credit repair techniques and Certified in the
Fair Credit Reporting Act. Unlike other credit repair companies, your privacy
and confidentiality (especially with regard to your social security number, credit
card number and credit report information) are protected with CallCreditRX.com.
What services does CallCreditRX.com provide?
At CallCreditRX.com, we understand that everyone's credit report and financial situation
are unique, which is why we offer comprehensive, personalized and proven credit
repair programs. When you become a CallCreditRX.com client, we will customize
your credit repair program to your exact credit situation and goals. We will
ensure you will receive not only affordable, but premier credit report repair and
superior customer service. Our pay by performance program is based upon extensive
research of consumer credit laws, experience with credit bureau and creditor tactics,
and persistence for our clients. Our program is 100% legal and have helped
tens of thousands of Americans correct and update their credit profiles resulting
in higher credit scores.
Does CallCreditRX.com offer any guarantees?
Our GUARANTEE is SIMPLE.... You only pay for what goes away!!!
Does CallCreditRX.com bill in advance for services?
No! CallCreditRX.com Does Not Charge in Advance For Credit Repair Services. In compliance
with the Credit Repair Organizations Act, we only charge for credit repair services
after they have been fully rendered. Your 'First Payment' to CallCreditRX
is made after we have removed your first negative accounts from your credit
files.
What is Jump-start?
CallCreditRX.com understands how important it is to improve your credit and we are
prepared to 'JUMP START' the process. Sign up now and we will immediately get you
into our system (Monday – Friday), assign you a case advisor and prepare your case
for disputing. All of this is done before you spend a penny! Although
billing information is collected at sign up, your credit card is not charged until
at least 5 days after you sign up. During those first five days, we will set
up your case, assign you a case advisor, assist you in getting your credit reports,
and then once received we will enter them on your case. You can cancel at
anytime without any penalty. CallCreditRX.com charges only for services that
have been fully rendered.
What if a friend or family member wants to sign up too, can we get a discount?
CallCreditRX.com is proud to offer a couples' discount for any two people that seek
our services. Although you may not be related and you may not be a couple
you still deserve a discount. So, sign up for the couple’s program and get
our services at a discounted price. We will still set up two separate accounts,
one for each of you to ensure the best service and results possible, however the
billing does have to be together to get the discount. Contact us today and
get started on a better financial future for both of you.
Can you remove a bankruptcy, foreclosure, repossession or student loan from
my credit report?
If you have any of the above on your credit history, you may have given it up as
a lost cause, anticipating lengthy and costly litigation and insurmountable legal
roadblocks. But the truth is, it’s not necessarily so. According to the federal
government, these seemingly “high-ticket” items are subject to the same legal requirements
as any other claim: they must be 100% accurate and verifiable, and the credit agency
must provide proof within 30 days of a challenge to the claim. CallCreditRX pursues
these claims as aggressively and thoroughly as we do any other item on your credit
report.
does the credit recovery process work?
When you sign up with CallCreditRX, you enlist a personal credit advisor who explores
every aspect of your credit report, then launches a comprehensive investigation
of creditors’ claims. We are experts in credit and finance law, and hold the collection
agencies and credit bureaus to the toughest requirements set forth by law. We place
the burden of proof where it belongs – with them. If they cannot absolutely prove
the accuracy and validity of a claim, we immediately challenge it and have it removed
from your credit history.
How long does it take?
By law, credit agencies must respond to a challenge — with proof — within 30 days,
so most of our clients see results within the first 45 days. However, every credit
report is different, so we take each case on an individual basis. We will develop
a strategy that is specific to the unique needs of your particular case.
Is it legal?
Not only is the credit recovery process legal, it is your right. By law, you are
entitled to dispute any negative claims on your credit report.
How is CallCreditRX different from credit repair companies? Our
extensive knowledge of credit law and our three-pronged investigative approach set
us apart from other companies. We are well-versed in the complexities of the evidence
that is required of creditors when making a claim, and we are well-prepared to determine
if they have met that demand. Furthermore, we are exhaustive in our investigations,
exacting the full burden of proof from the credit bureau, collection agency and
the original creditor.
Can I restore my own credit?
It is your legal right to repair your credit on your own. However, there is a significant
risk in working to restore your credit by yourself. CallCreditRX knows what to look
for and what is required of creditors in order for them to collect on their claims.
We can challenge any credit claim and demand proof of its legitimacy, and work to
remove claims that do not meet the burden of proof.
How much does your service cost?
Our prices are some of the lowest in the industry for our type of services. Our
pricing structure is as follows:
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Credit Improvement before Payment Program™
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$50 ea.
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$45 ea. |
$40 ea. |
$35 ea. |
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Number of Negative
Items Removal
Equifax, Transunion & Experian |
1 - 5 |
6 - 10 |
11 - 15 |
16 - up |
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Personal Case Setup exclusive CCRX
ACCESS Platform
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Credit Evaluation and
Recommendations*
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On Going Support &
Credit Education
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*As per the FCRA Only items that are not 100% accurate,
verifiable, and timely are allowed to be on your credit report,
we challenge the credit bureaus to prove these items are 100%
accurate, verifiable, and timely. Qualified items are determined
in phase 1 (prior to your 1st payment) based on client input.
According to CROA Credit repair organizations are forbidden
from telling a client to dispute an item that is 100% accurate,
verifiable, and timely
*Value client discounting for timely submission of monthly credit bureaus and
required payment scheduled
Requirements:
*
Must be at least 18 years of age, have a valid debit or credit card, be active
or enrolled in a Credit Monitoring Service to monitor our progress during the credit repair process. You will be automatically enrolled in The CallCreditRX Prescription
Membership 30 day FREE Trial Offer, after 30 days you agree to be charged $7.95
/ Month to maintain membership access. You can cancel your subscription at any time,
and it is not required for continued participation in the CallCreditRX Exclusive
"Improvement Before YOU Pay" Credit Repair Program.
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What type of information does CallCreditRX.com collect?
The personal information that we collect is limited to the information that you
provide to us when you sign up and use our services. This information consists
of your name, address, email address, phone number, social security number, date
of birth, and billing information. Additionally, you will provide the information
contained on your credits reports to CallCreditRX.com when you send us a copy
of your three credit reports. All personal information that is provided to
and maintained by CallCreditRX.com is available for your review and edit directly
through our online Client Access Center. Additionally, you may contact us
if you would like us to review and update any of your personal information for you.
Does CallCreditRX.com disclose personal information?
CallCreditRX.com will not share, sell, transfer or convey your personal information
to any unaffiliated companies or third parties. CallCreditRX.com maintains
strict confidence of your personal information. We even have strict policies
for all CallCreditRX.com employees when it comes to sharing personal information
internally.
How does CallCreditRX.com protect personal information?
CallCreditRX.com safeguards the security of the data you send us with physical,
electronic, and managerial procedures. We urge you to take every precaution
to protect your personal data when you are on the Internet. Change your passwords
often, use a combination of letters and numbers, and make sure you use a secure
browser. The CallCreditRX.com Credit Services web site uses industry-standard
Secure Sockets Layer (SSL) encryption on all web pages where personal information
is required. To sign up for CallCreditRX.com's service, or to log into the
client section of the web site, you must use an SSL-enabled browser such as Netscape
Navigator 3.0 or later, or Internet Explorer. This protects the confidentiality
of your personal information and credit card information while it is transmitted
over the Internet.
We understand how important a good credit rating is in today's world.
Let us assist you, your family and your friends to a better financial future!