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Do You Have Questions?
Here are some of the most common questions we get...
Frequently Asked
Questions
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WHAT IS PRIME CREDIT SERVICE DIY ?Coming Soon... It's exactly that you DO IT YOURSELF. We have 2 tiers. Tier 1 - is only $19.95 per month this if for access to the letters and information. You will have access to your client portal where you can see your reports and scores. If you need representative support to answer your credit questions you will be charged $25.00 for support. This is truly a do-it-yourself price you wont find credit repair this cheap! Tier 2 - is only $34.99 per month this is next to our full service You get unlimited support just call text or email or video chat. If you would like hands off full service this is for you We expect to have this service implemented by December 2024
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WHAT IS CREDIT REPAIR?Credit repair is a process by which a persons credit profile gets evaluated (us) to identify Negative, derogatory, outdated, erroneous, misleading, false and deceptive information that is present on the credit profile that has an adverse effect "Lower your credit scores" on your credit profile. Credit repair gets rid of these negative items. All credit can be repaired, restored, and rebuilt.
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WHATS THE COST OF REPAIRING MY CREDIT?Different credit repair companies charge different prices based on their services they offer and the processes they use. We require you to first get credit monitoring through our credit monitoring partner. This will give us the ability to see and keep track of all the information on the three bureaus and you can login any time to view it yourself. ($19.99) per month. Next is our monthly service of ($99.00) per month. Our service includes communication with the credit bureaus and your creditors directly. We do not bill you for the $ 99 dollars until the first round of letters go out typically 3 to 4 days. Next step after that is to aggressively and legally use strategies to get the end desired result your credit repaired!
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IS CREDIT REPAIR WORTH IT? WHY?To know whether credit repair is worth it, you just have to look at what your credit impacts. These days, it seems like it's just about everything. When you start realizing how far it goes, it's easy to do a little math. Not having ideal credit can cost you thousands and thousands of dollars over the course of a home or car loan. It can keep you from getting insurance coverage or even a job. It can make even everyday needs and decisions more difficult. When you compare this to the confidence and assurance of feeling in control of your credit situation and the opportunities that brings, the value of credit repair can seem pretty priceless. Luckily, having the experts at Prime Credit Services working to help you tackle your credit issues costs only $99.00 a month plus monitoring ($19.95) . It's a pretty great value that may impact a lot of the things you value most.
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WHAT IS THE FAIR CREDIT REPORTING ACT? WHY WAS IT CREATED?The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act. The FCRA provides additional measures of consumer protection in the areas of fairness, accuracy, and privacy of the information collected by the credit bureaus. It also allows you to personally engage in credit repair and maintenance processes, verifying that the information in your credit report is correct.
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WILL IT HURT OR LOWER MY CREDIT SCORES TO GET MY CREDIT REPORTS?It depends on how you are getting it and if you pull your own credit report! You can get a free copy at www.annualcreditreport.com where you can get the report but not the score. When you sign up with credit monitoring and you pull your reports it will be a soft pull your credit scores will not be affected.
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HOW SOON SHOULD I START SEEING RESULTS?Most of our clients start seeing results in as little as 30 - 60 days.
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HOW LONG DOES IT TAKE?There is no set time to see result, as we cannot predict how the credit bureaus and creditors will respond to the dispute.
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HOW MANY TIMES WILL YOU WORK ON A SPECIFIC ITEM FOR ME?For as long as it takes to get the negative item off.
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DO YOU OFFER A GUARANTEE?Yes, We will provide a FULL REFUND if we are not able to get anything off your credit report (see our guarantee here) certain terms and conditions apply.
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DO YOU OFFER A COUPLES DISCOUNT?Call our office, and we can work that out.
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HOW MUCH CAN I EXPECT MY SCORE TO GO UP?Scores are based on the contents of the profile, among other credit factors and data points. There is no real prediction. Only FICO® holds the algorithm that generates the credit scores.
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I JUST SIGNED UP. WHAT HAPPENS NOW?We get you hooked up with credit monitoring and a credit audit we will be calling you to complete the sign up process A.S.A.P!
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WILL ONE PERSON BE ASSIGNED TO ME?No we have a team of professionals that will get the job done!
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HOW DO YOU RESTORE BAD CREDIT?By understanding the client's needs and end goals and building a profile that supports the end goal.
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CAN BAD CREDIT BE LEGALLY REPAIRED?Credit repair is legal... period.
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DOES PAYING OFF MY BILLS REPAIR MY CREDIT?NO
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CAN I PAY MORE TO SPEED UP THE PROCESS?Be more specific.
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WHEN I PAY A CHARGE OFF OR COLLECTION ACCOUNT, WILL IT BE REMOVED FROM MY CREDIT REPORT?It depends on the agreement you made with the debt collector. If you and the debt collector agree to a pay-for-delete, then they should honor that agreement, but if no such agreement was made, a negative item could stay on your credit report for up to 7 years.
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IS CREDIT REPAIR EASY? CAN CONSUMERS DO IT THEMSELVES?I wouldn't say easy, but you can do it on your own.
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ARE THE CREDIT BUREAUS A BRANCH OF THE GOVERNMENT?No, they are not they are for profit companies.
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IF A NEGATIVE ITEM IS SUSCESSFULLY DELETED FROM MY CREDIT REPORT, WILL IT JUST COME BACK ON MY REPORT?That happens from time to time. It's not common to see negative items pop back up, but you would handle it the same way you did it the first time.
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IS IT ILLEAGAL FOR CREDITORS TO TAKE A NEGATIVE, ACCURATE LISTING OFF MY CREDIT REPORT? THE LAW REQUIRES THAT THESE ITEMS REMAIN ON THE CREDIT REPORT FOR AT LEAST SEVEN (7) YEARS.It's hard to tell if this is a statement or a question.
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THE WEBSITE LINK IS NOT WORKINGNo problem! Websites change and links become broken and outdated. Let us know from our CONTACT US page and send us a message so we can change the link on the site or get the right information to you A.S.A.P.
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