Frequently Asked Questions (FAQs)
What is Credit Repair?
Credit repair involves identifying and addressing inaccuracies or discrepancies on your credit report to improve your credit score. I follow legal laws under the FCRA Fair Credit Reporting Act.
Is Credit Repair Legal?
- Absolutely, credit repair is completely legal. Our practices are grounded in the protection of consumer rights, as outlined by federal laws such as the Fair Credit Reporting Act (FCRA) (https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act) and various State Finance Codes (https://statutes.capitol.texas.gov/Docs/FI/htm/FI.393.htm). Recognizing that a 80% of credit reports may contain inaccuracies, we operate within the bounds of these laws to ensure the fair and accurate representation of your credit history.
How Long It Take to Repair Credit?
The duration of credit repair can vary based on individual circumstances. On average, the process takes approximately four to six months, but it's important to note that this timeline is flexible and depends on the complexity of the issues at hand. Our dedicated team works diligently to analyze, dispute, and rectify inaccuracies in your credit report efficiently, ensuring a comprehensive and tailored approach to improving your creditworthiness. Throughout the process, we keep you informed, providing transparency and guidance to help you achieve your credit goals.
Do You Offer a Free Credit Report Pre-Evaluation?
Yes, we do! Take advantage of our complimentary credit report pre-evaluation by simply pulling your credit https://creditheroscore.com/redirect.asp?GUID=L3MBACV3PEJB form with a message that has your login credentials. After submitting, we will be able to access and evaluate your credit report. There's no obligation, and it's a great way to gain valuable insights into your credit profile. Our team will conduct a thorough analysis, providing you with information on how R&B Family Solutions removes 👉🏽 Credit Recovery Group👈🏽 can assist you on your journey to improved credit.
Is there anything you can do to speed up the process of credit repair?
NO! WE do not work for the credit bureaus Unfortunately they control how fast disputes are responded to.
If I miss a payment on my payment plan/monthly payment without notice what happens?
ALL SERVICES WILL BE TERMINATED IMMEDIATELY IF YOU VIOLATE YOUR PAYMENT AGREEMENT. THERE WILL BE NO FURTHER LETTERS SENT ON YOUR BEHALF OR UPDATES GIVEN FOR NON-CLIENTS. PLEASE CEASE ALL COMMUNICATION VIA EMAIL AS IT WILL NOT BE RESPONDED TO.
How do I know that letters are being sent out?
In Identity IQ in the comment section of every account it should say consumer disputes account. You will also receive an email from us.
Is credit coaching included under the any sale?
NO. Although I charge a separate fee for credit coaching, I will inform you by email if I see something hurting your credit score.
When will I receive updates?
All updates will be seen through the portal.
Can I apply for credit cards during credit repair?
NO! We prefer you to wait until you we have completed services to apply for anything. If you don’t have ANY credit cards then you may apply for one credit card during your services. We prefer you apply for a capital one or discover card. You may also apply for a credit card with your bank WHO YOU HAVE A RELATIONSHIP WITH. You also have been EMAILED A CHEAT SHEET TO HELP YOU
What documents will be needed for credit repair?
ID with current address on it, Utility bill with current address on it.
I have not received any mail from these disputes what does that mean?
I have no control over the credit bureaus sending mail. I can only control what I send out.
I am trying to become a homeowner what should I be doing?
Credit is only one SMALL piece of the puzzle in homeownership. You should be building/maintaining a savings account (5-20K). Try to minimize as much debt as possible to reduce your debt to income ratio.
What happens if I receive a stall letter?
WE redispute all the accounts.
Do I need to send you all collection letters I receive in the mail?
No. If a debt collector is harassing you please let your agent know via email.
What is the email response time?
7-14 BUSINESS DAYS.
I had a repo/car accident can I apply for a new car?
Do what’s best for you! I would just like a courtesy email and also a word of advice PLEASE get a preapproval from capital one. We can worry about APR after your repair is over….you can refinance for a lower rate.
How long does it take to see results?
Although WE do not guarantee anything results time varies based off the profile. Please keep in mind if you have previously disputed or went to another credit repair company it may take longer.
Does credit repair guarantee 100% removal?
R&B Family Solutions complies with the Federal Trade Commission, State, and Local government regulations and the Credit Repair Organization Act, in that we cannot, by law, guarantee a specific outcome or result. However, we do promise to legally do everything possible on your behalf to restore your good credit.
How can I keep track of my credit repair process?
We assign you a personal username and password to access our online portal http://Secureclientaccess.com (http://Secureclientaccess.com) to track your credit repair process. Our customer service representatives are also available Monday thru Friday from 8:30 p.m. to 5:00 p.m to answer any questions you may have.
Can I reactivate my account?
Yes you can reactivate your account, although we do not recommend stopping you can always continue your credit process, contact our Credit Specialists for an account overview to see what your options are.
What Are Tax Services?
Tax services encompass a range of activities, including tax preparation, filing, and strategic tax planning for individuals and businesses.
How Long Do The Tax Process Take?
The timeline for tax services varies depending on the complexity of your financial situation. Our team works diligently to expedite the process while ensuring accuracy and compliance.
Important Credit Tips & Client Expectations
A little 💎 it’s preferred that you don’t make any big purchases 3-6 months before applying for a loan if you are going through SECU!
*NOTE: To see optimal results your utilization must be between 1-10% max.
*NOTE: I do inquiry removals for all clients under this special at the end. I do this just in case you had to apply for anything in the process.
*Disclaimer: In the event of non-compliance with R&Bs rules or harassment, R&B may dismiss or refund a client. There will be no "microwave,” or "hot and ready clients" tolerated. You will be refunded. We do not rush work and cannot fix your credit in 60-90 days. We do not guarantee results.
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