FAQ's

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Frequent Questions & Answers

When should I see results?

Our process is extremely efficient. We start fast and keep up a consistent pace throughout your membership. If you sign up today we should have your first round of dispute letters out within a week. And since the credit bureaus have 30 days to process disputes, you should see initial results in about a month. On an ongoing basis, you should see results each month you are in the program.

What will new negative items do to my credit if I am working with you?

New collections, slow pays, etc. will hurt your score more than the removal of old negative items. Notify us immediately if you receive any NEW collection letters. We may get things removed and see an increase and then a new collection will drop your score back down. It is important to take care of new negative items that are not on your credit when working with us to improve your score.

What is your Credit Mix?

FICO FACTS from Billy Alt, President 700 Credit Repair- Your Credit Mix determines 10% of the FICO score FICO Scores will consider your mix of credit cards, retail accounts, installment loans, finance company accounts and mortgage loans. It's not necessary to have one of each, and it's not a good idea to open credit accounts you don’t intend to use. The credit mix usually won’t be a key factor in determining your FICO Scores—but it will be more important if your credit report does not have a lot of other information on which to base a score.

What is the difference between the Self Enroll E-Program and the 700 Original Program?

With the $149.00 self Enroll E-Program, you sign up and send us your information thru our Credit Restoration Supersite & Online Business Center. You will need to enroll with a credit monitoring company which eliminates the need to send in results, we will re-pull your credit thru the monitoring site, update your portal and do the next round of letters. You deal directly with processing thru our Online Business Center / customer portal which eliminates the need to deal with a sales consultant. This enables us to charge a lower monthly fee. The 700 Original program does not require a monitoring service nor do you have to upload your id’s and address verification, simply email or fax to your credit consultant. The 700 Original program comes with unlimited phone support and we are here to help when you need us.

What happens if I miss a payment?

Part of what we teach in our educational emails is responsibility to the debts you have incurred. But if you suffer a financial problem, and your automatic debit is not honored at your bank, simply get us on the phone and make new arrangements. If you fail to do so, then the company will try a total of three times to debit your account. If you have not made arrangements, all work on your account will cease, and a small fee will be assessed. These penalties will need to be honored before resumption of your monthly commitment with us.

How often will you update my portal?

Because results are sent to you, we do not update the portal until you forward the results to us. Once we receive results on all 3 bureaus we will update the portal within 7 days. If we do not receive results from you, after 60 days additional disputes will go out, but the portal is not updated until we receive the reports from YOU. In other words letters may be out and items removed but since we have not received the results, we will not show anything removed or deleted until we see for ourselves.

How many items do you dispute at a time?

We offer UNLIMITED DISPUTES with UNLIMITED COMPANIES ON ALL PROGRAMS ON ALL ROUNDS, STARTING WITH ROUND #1! Many companies dispute far fewer items at a much slower pace. Our schedule is designed to deliver the optimal result in the shortest time!

How is the Self Enroll E-Program different from the other programs?

CLIENTS who ENROLL AND COMMUNICATE THROUGH OUR "ONLINE BUSINESS CENTER” get an interactive customer portal to view results, ask questions, get updates etc. Simply enroll online, email IDs and communicate online by viewing updates through our portal! We utilize webinars, emails, videos and other online tools to reduce costs and pass those savings on to our clients! Clients save money by dealing directly with us through the Online Business Center, internet, E Mail ,social media - private groups and other online sources! THIS PAPERLESS, SELF ENROLL PROCESS WAS DESIGNED TO SAVE CLIENTS TIME AND MONEY WHEN YOU UTILIZE OUR STATE OF THE ART SOFTWARE. WE OFFER EACH PROGRAM THROUGH OUR SELF ENROLL PROCESS. BY PASS THE ENROLLMENT DEPARTMENT AND SAVE AS MUCH AS $400.00! OUR SELF ENROLL CLIENTS SEE BETTER RESULTS, FASTER! Self Enroll clients sign up for a credit monitoring service for about 50 cents a day. Every 40-45 days a new report is pulled and the next round of audits are sent. YOU SAVE TIME WHEN THERE"S NO NEED TO SEND IN RESULTS! Clients also see BETTER RESULTS due to more letters being consistently sent! $99 SELF ENROLL PROGRAM DETAILS INCLUDES A PRIVATE ONLINE PORTAL THAT SHOWS WHAT ACCOUNTS HAVE BEEN DELETED, WHAT LETTERS WERE SENT, TO WHO, THE DATE SENT AND CURRENT CREDIT SCORES! $99 SELF ENROLL PROCESS INCLUDES Credit Coaching Playbook Unlimited Disputes Disputes every 45 days Custom Audit Letters Dispute 100% of items Results in 30 days! Custom Recommendation Sheet $5,000.00 Credit Card Aditional Credit Card Client Portal with scores Lifetime Warranty NON- SELF ENROLL programs include things like a credit coach for assistance in things other than the dispute process, like what credit cards should be opened for maximum point gain, custom recomendation sheet,hands on consultant, decoding of FICO codes and more- see our Power Process for more details, located under the Unique Features tab above! Or to learn more about the differences, CALL RIGHT NOW FOR YOUR FREE, NO HASSLE, NO PRESSURE, CREDIT ANALYSIS! A CERTIFIED CREDIT CONSULTANT WILL REVIEW YOUR CREDIT REPORT AND EXPLAIN TO YOU WHAT CAN BE DONE, ACCORDING TO YOUR FICO SCORE CODES. DESIGNED TO TELL BANKS, CREDITORS AND COLLECTION COMPANIES EXACTLY WHAT IS HURTING YOUR SCORE, WE CAN DECIPHER THESE 3 DIGIT HIGHLY GUARDED CODES AND MAKE A GAME PLAN TO SWIFTLY AND EFFICIENTLY CHANGE YOUR CREDIT REPORT AND SCORE.

How do I get started?

You can sign up online right now for our $99.00 Self Enroll EProgram. Within minutes you will receive an email with easy instructions on getting your 3-bureau credit report and getting it to us. Once we have your report we will complete our analysis and start the dispute process. Or call our office at 972-279-0444 and a Certified Credit Consultant will do a FREE CREDIT ANALYSIS and explain the best program for you!

Do the “specialty programs” that include the 700 Power Process really produce faster results and a higher score?

They produce much faster results because we dispute 100% of the items on all 3 bureaus. We do multiple disputes per round, more letters asking for more verification means we are utilizing more laws. We are more likely to get a correction or deletion if we utilize every tool we have. A credit coach deciphers your FICO score reasons. Your credit history or the things that we dispute with letters makes up about one third of your score. Other things that hurt your score are too much credit, not enough credit, high balances and other things. Your credit coach will review these items with you. When doing this we are working on all 5 categories of the score. We attack 100% of the items that make up your score rather than just one third of the items, we will raise your score faster and usually by many more points.

Do I get a refund if my score does not go up or is this guaranteed?

First, we do not charge for “deletions” nor can we make any such claim. No one can guarantee that something can be removed. Your credit consultant will give you an idea of what we can accomplish based on previous results. You can also look at our testimonials and results. We charge for creating your portal, giving you detailed information, education, and other things that have taken years of research. We charge for creating and sending letters and any other types of communication with the creditors, credit bureaus and other financial institutions. We have a full staff that is paid to handle your account and work on your file to the very best of our ability but we cannot make any creditor or bureau remove anything. We can utilize your rights and show them how they are breaking the law! We also have credit consultants and coaches who will read your FICO reason codes and put in writing what must happen to increase your score. You have to do your part to increase your score, but working in concert, together we will improve your situation. There is much more to your score than just the negative accounts that we can dispute. That being said, the laws and regulations we live by do not allow us to make any specific claims about what we can do. We run our business is an ethical way that suits our clientele. Any time you have a questions, your personal Credit Coach will be there to answer them for you.

Can I do this myself?

Like any service, yes you can. Legal work, dental work and even yard work can be hired out or done yourself too! Our employees are trained professionals. Our experience enables us to produce exceptional results in a timely manner. The credit bureaus have stall tactics in place which make certain parts of credit repair are tricky. Anyone can overcome these tactics but experience usually results in a better outcome no matter what type of service. Credit reporting and consumer laws are very complex and easily misunderstood. Like the consumer, the credit bureaus also have laws and they tend to use them to their advantage. Doing your own credit repair incorrectly can result in harming your credit. If you do it yourself, be sure to get educated on the laws and never use form letters you find online!
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What happens if I miss a payment?

Part of what we teach in our educational emails is responsibility to the debts you have incurred. But if you suffer a financial problem, and your automatic debit is not honored at your bank, simply get us on the phone and make new arrangements. If you fail to do so, then the company will try a total of three times to debit your account. If you have not made arrangements, all work on your account will cease, and a small fee will be assessed. These penalties will need to be honored before resumption of your monthly commitment with us.

How do I get started?

You can sign up online right now for our $99.00 Self Enroll EProgram. Within minutes you will receive an email with easy instructions on getting your 3-bureau credit report and getting it to us. Once we have your report we will complete our analysis and start the dispute process. Or call our office at 972-279-0444 and a Certified Credit Consultant will do a FREE CREDIT ANALYSIS and explain the best program for you!