CCS FAQ PAGE
How Long Does The Process Take?
Everyone’s credit situation is completely different, so how long it takes for you to achieve your expected results depends on the number of derogatory credit items on your reports, your participation in getting credit reports to us, and the level of credit bureau cooperation. We will do our part, the auditing and creating dispute letters based on your reports, usually within 48 hours from the date we receive them. Most of the wait-time after is usually spent waiting for the credit bureaus or creditors to respond.
How Much Will You Increase My Credit Score?
Many of our clients have seen an increase of 100 points or more*; however, the actual amount will vary per customer. There are many factors that affect a credit score besides derogatory items. For example, the ability to pay down revolving debt, the type of credit you have, your length of credit history, even the number of inquiries on your credit file. It is especially important that no current accounts fall into a negative status. * Results may vary by individual.
What Do I Have To Do?
After you have completed the online enrollment documents, fax or email or mail your identification documents to our processing department. A list of required documents has been provided below: Social Security Verification (as required by the credit reporting agencies) * Photocopy of your Social Security card * Photocopy of your pay stub displaying your full Social Security number * Photocopy of your W-2 * Photocopy of your health insurance card that contains your full Social Security number Address Verification (as required by the credit reporting agencies) * Clear copy of a current bill (utility, telephone, credit card, etc.) with your name and address clearly * Clear copy of your driver’s license with current mailing address Your dispute documents will be prepared and mailed to you upon receipt of your identification.
Can I Restore My Own Credit?
Yes, you can. You can also represent yourself in a court of law, and do your own oil changes on your vehicles. We are a service company. Just as you are probably better at what you do than we would be, we are probably better at credit restoration than you would be. We offer experienced, professional help at very affordable rates for your convenience and benefit.
Can You Remove A Bankruptcy Or Foreclosure?
Yes. If the listing is inaccurate, incomplete, misleading or unverifiable, it can be removed. The severity of bankruptcies, foreclosure, liens, etc. does not factor into their removal as much as you would believe. There are a number of elements, unrelated to severity, upon which such items can be successfully removed.
Will The Credit Bureaus Respond To All Of The Disputes I Send Them?
The credit bureaus are required by law to respond to all correspondence. It is not uncommon for credit agencies to send letters stating they want more information, or that they will not re-verify an account. These types of responses are very common and customers should not be alarmed if they receive them. Customers must continue to send all correspondence they receive from the agencies to the processing center.
How Long Will It Take The Credit Agencies To Respond After I Send Them My Dispute Letter?
You will receive updated credit reports from all three credit bureaus after 30 to 45 days. At that time you will see what was deleted and will need to mail the originals to us so that we can continue working on the remaining items. You will actually know what was deleted before we do, which is why it is so important that you forward all credit bureau correspondence within a few days of receiving it. If the credit agency does not respond to your dispute letter, do not be alarmed, a new dispute letter will be generated when your file is reviewed by the processing center every 60 days.
When I Receive My Dispute Letter, Can I Make Changes And Add Information?
Absolutely, any additional information that the customer would like to provide will help expedite the credit restoration process. Simply write on the dispute letter any changes or additional information you may have regarding any specific account, and forward it to the processing center. The processing center will make the necessary corrections on the dispute letter and forward the customer a revised copy to sign and send to the credit agencies. Remember, this is a partnership.
Can I Continue The Process After My Contract Expires?
Yes, contact your sales agent. Due to the increased number of identity fraud cases reported annually, it is recommended that you continue your service to monitor and review your credit reports on a quarterly basis. This will ensure your reports remain accurate and that no new information is added without your knowledge.
Are Refunds Offered If I Am Not Satisfied With The Service?
Yes. Customer satisfaction is very important to us. Customers will be charged an initial $89.00 set-up fee, and $25.00 for each negative account removed or corrected during the time they were involved in the credit education process. (Customers must complete three dispute cycles.) Any remaining money from the initial payment made for the service will be refunded to the customer immediately.
How Does My Credit Score Change If I Open Or Close Credit Accounts?
At first glance, it may seem like a good idea to close old credit accounts or open a host of new ones. But it’s not. More accounts can hurt, not help. Financial experts agree that you should not open multiple new accounts just to show a credit history. If you have had little credit in the past, build your credit history slowly. Open no more than one or two accounts initially. Also, don’t close your old accounts. A long credit history has a positive impact on your credit score. Having a large number of accounts in good standing with zero balances is a plus, not a negative.
If I Keep Paying My Bills Will That Raise My Credit Score?
Paying your bills on time should do nothing but help your credit score. Good payment histories will help clients who are trying to buy a home, refinance a home, or qualify for new credit. We often tell people that while we work on the past, you should be working on the future.
When The Process Is Completed Will I Be Approved For A Loan?
You should be in a much more favorable position as long as you meet several requirements of the credit grantor, such as a good credit history over the past 6-12 months, length of employment, debt ratio, length of time at current residence, and have amount of down payment, etc.
Who Do I Contact If I Have Questions?
CCS Customer Service representatives will handle all of your service needs. If you need to make contact, you will be provided with a member service number, a special e-mail address and a fax number that goes directly to member services.