Frequently Asked Questions

SERVICES YOU OFFER?

Credit Repair, Credit Build-Up, Credit Limit Increases, Personal and Business Loans, Inquiry Removal.

WHEN WILL I SEE RESULTS?

First results in 45 days. Full credit repair cycle takes on average 90-120 days, but is a case by case basis. During our consultation we will provide a time estimate.

WHAT KIND OF ITEMS CAN BE REMOVED FROM MY CREDIT REPORT?

Literally every kind of derogatory and non-derogatory item can be. Here’s a brief list: late payments, collection accounts, charge-off accounts, repossessions, short sales, foreclosure, bankruptcy, tax liens and judgments.

WHAT KIND OF SCORE INCREASE CAN I EXPECT?

Each removal of a derogatory item is worth between 25-150* points, depending on the item removed and several other variables.

    • 40-100 points / collection account removed
    • 40-100 points / charge-off account removed
    • 80-150 points / bankruptcy removed
    • 80-150 points / judgment removed
    • 25-50 points / late payment removed

CAN I MAKE PARTIAL PAYMENTS, OR DO I HAVE TO PAY IN FULL?

We will break your invoice into 2 or 3 payments.

HOW DO I CANCEL MY SERVICE WITH CREDIT LIFTER?

You can cancel your service with us at anytime. We are fully transparent, no commitments, no hidden fees. If you don’t like how things are going, give us a call and well cancel right away. We are a gold standard of credit industry. Check our Trust Pilot reviews.

HOW DOES THE CREDIT LIFTER REFUND POLICY WORK?

We execute according to our contract. If we do not perform accordingly you are entitled to 100% refund.

WHAT IF I WANT TO SIGN UP WITH MY WIFE/HUSBAND/FAMILY MEMBER, DO WE GET ANY KIND OF DISCOUNT?

We offer a group discounts. Please ask our credit specialist during the consultation.

WHY SHOULD I GO WITH CREDIT LIFTER VERSUS ANOTHER CREDIT REPAIR COMPANY?

Credit Lifter is a results driven company. We focus on raising your credit scores in the shortest possible time frames. We do not believe in rebill models, where customer and credit repair company interests are not aligned. By aligning our interests we insure all work gets done with highest integrity and speed possible.

SECURITY OF DATA PROVIDED TO CREDIT LIFTER?

Information that we receive from our clients is strictly confidential. We do not share, sell, transfer or convey your personal information to any unaffiliated companies or third parties. We use 128-bit encryption to protect the transmission of your data to our site.

WHICH WEBSITE IS USED TO OBTAIN ALL 3 OF MY CREDIT REPORTS?

Experian, Equifax & TransUnion. We offer a free trial for our customers. $1 for 7 days, after which you will be billed monthly @ $27.99 https://www.identityiq.com/sc-securepreferred.aspx?offercode=43114671

You may cancel the trial immediately after the consultation, no commitments

ARE THERE OTHER LAWS THAT PERTAIN TO CREDIT REPAIR?

  • The Federal Fair Credit Reporting Act (FCRA)
  • The Equal Credit Opportunity Act (ECOA)
  • The Fair Credit Billing Act (FCBA)
  • The Electronic Fund Transfer Act (EFTA)
  • The Fair Debt Collection Practices Act (FDCPA)
  • The Credit Repair Organizations Act (CROA)

OUR PROCESS

1

STEP

Call our credit expert at 888-696-5108
A. You will be asked to sign up for a trial version identityiq.com You can do it yourself or have one of our agents do it for you.
https://www.identityiq.com/sc-securepreferred.aspx?offercode=43114671

B. During this process you will need to provide personal information and answer security questions so we can access your account to do an in depth credit review.

2

STEP

A credit specialist will analyze your credit report and ask you additional questions about your credit goals. If negative accounts appear on your credit report we will ask you about those specific situations to get the full scope of the issue and how we can address it. All information provided to us is confidential, we ask that you provide truthful answers, we are on your side. We will use a number of consumer protection laws to represent your interests in compliance with the law. Additional questions you will encounter:
What do you want to use your credit for ? Your immediate and longer term financial goals?
3

STEP

We will go over the contract and time frame of execution. If you agree on the custom plan designed for you, we will send a docu-sign contract to your email and have you sign and initial.
4

STEP

We will need a list of the following documents to be provided to our analysts to begin work on your file. Please provide a scan or high quality picture.
• Your ID or Driver’s License (for identity verification)
• Your SSN Card (for social security verification)
• Utility Bill or Bank Statement (for address verification)
If we need anything else, we will let you know!
5

STEP

Our credit processors begin work on your file the following business day, once all documents have been received. Remember we can not begin work on your file until we have collected ALL of your Personal Documents. Its critical that you understand that Credit Repair / Credit Building process can be slowed by your inability to deliver documents on time. We ask that you provide those in a timely manner.
6

STEP

Work begins and our staff will prepare custom credit bureau and direct creditor disputes, requests for validation, requests for additional information, and several other techniques that will yield fast results that will not only clean up your credit report, but will also boost your credit scores. We use a number of laws that protect consumers in your favor to fight Credit Bureaus and banks. By law Experian, Equifax, and TransUnion must respond within a 30 day window to every request that we sent them, if they fail to address our requests we have the right to sue them or the item in question is removed from your credit report. It’s the law.
7

STEP

Please be patient. Credit Bureaus take 30 days to respond to our every request. Unfortunately we have to patiently wait while we receive a written response. Often times it take 2-4 rounds to remove items from your credit report, but rest assured we do remove it. We will monitor your report for updates and provide you feedback. Over the years that we’ve been in business, we’ve noticed that it has been taking less and less time for us to completely, yes completely, clean up our clients credit reports.