Frequently Asked Credit Repair
Questions and Answers from 180 Credit
Solutions:
(Click
on credit repair help questions below for the answer)
How long is the 180 Degree Program?
Is the 180 degree program legal?
How will I get updates?
Can 180 Credit Solutions pull my credit reports?
How Much does the program cost?
Does 180 Credit Solutions offer any guarantees?
What if a spouse, friend, or relative needs help also
does 180 Credit Solutions offer discounts?
Can I do this myself?
How
long is the 180 Degree
Program?
Under the FCRA, consumer
reporting companies must investigate any items in question -usually
within 30 days– and when the investigation is complete, the consumer
reporting company must give you the results in writing. You will
typically receive your first set of results within 4-6 weeks. Each
case varies however we will typically see the best results within
75-90 days. Our 180 Degree Program will not exceed 180 days.
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Is
the 180 Degree Program
legal?
In the credit system, it
feels at times as though you are guilty until you prove your
innocence. Federal law gives you the right to request an
investigation of any credit listing on your credit reports that you
feel may be inaccurate, misleading, biased, incomplete, untimely or
unverifiable (any questionable items). Below is a list of Federal
Acts in place to protect your consumer rights:
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FCRA - Fair Credit Reporting
Act
(Click to
download pdf)
FDCPA - Fair Debt Collection Practices
Act
(Click to download pdf
)
FACT Act - Fair
and Accurate Credit Transaction Act
(Click to download pdf)
FCBA - Fair Credit Billing Act
(Click to download pdf )
HIPAA -
Health Insurance Portability and Accountability Act
(Click to download pdf
)
How
will I get updates?
Credit reports will arrive
first at your current mailing address and then we will need you to
forward them to us. At this point we will review the outcome of each
investigation and determine the necessary actions to take to ensure
the best possible results.
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Can
180 Credit Solutions pull my credit
reports?
Credit services
organizations cannot pull credit reports for their clients. Section
604 of the FCRA (Fair Credit Reporting Act) prohibits the credit
bureaus from furnishing credit reports to third parties for any
reasons outside of the FCRA definition of "permissible purposes"
which include determination of credit worthiness, underwriting of
insurance, and employment screening. You will need to obtain your
own credit reports, and of course, we will be happy to assist you
with this process.
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How
much does the program cost?
Due to the fact that no two
credit reports are identical, it is a must that we treat each client
on an individual basis. During our free credit analysis we will
review a current copy of your credit reports. Then we will be able
to complete an outline of your customized 180 Degree Program and
give you an accurate quote for your file.
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Does
180 Credit Solutions offer any
guarantees?
Federal Law prevents any
credit service organization from guaranteeing the deletion of a
specific item from your reports and also the guaranteeing a certain
score increase. However, we are so confident in our 180 Degree
Program that we decided to offer a 100% Money Back Guarantee.
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What
if a spouse, friend, or relative needs help also does 180 Credit
Solutions offer discounts?
180 Credit Solutions is
proud to offer a “Multi-Person” discount for any two people that are
seeking our services.
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Can
I do this myself?
It is much like your right
as a citizen to bypass legal representation and represent yourself
in a court of law. Most people choose our 180 Degree Program because
it has been developed based on enforcement of the 5-Federal Acts
listed above and years of experience. However, with proper research
and experience, you could attempt to do this yourself.
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