Frequently Asked
Is Credit Repair legal?
Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore, most credit reports improve immediately. For items disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified but not offer proof. It is our job to prepare documents that challenge this and we are highly skilled at always determining the next course of action with the desired outcome being removal in most cases.
Is Credit Repair and Credit Education worth my time and money?
Yes! Contrary to what credit bureaus want you to believe, credit repair does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.
What can I expect when I enroll in Credit Repair and Credit Education?
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.
What is your 100% Satisfaction Guarantee?
You are entitled to a 100% refund on all monthly payments and fees if:
- You have not seen ANY credit IMPROVEMENT.
- You have had six months from the time that you retained our services.
- You have at least four negatives on the credit report at the time of sign-up.
- You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
- You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
- You agree to receive updated credit reports every 15-45 days from your credit monitoring service and make us aware if updated reports have not been received.
How long will it take to raise my score?
There are many determining factors when it comes to credit scores. This is why we GUARANTEE credit IMPROVEMENT and NOT credit scores. We will provide you with a thorough consultation and credit analysis that will include some credit education tools along with some tips and tricks for you to begin implementing that will assist you with reaching your desired credit score. It is imperative that you are doing your part while actively engaged in our services. This only works when we are both active participants.
Why are your results different?
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.
Will the removed items come back?
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
What items can you help me to remove and improve?
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, student loans, and identity theft.
These people had AMAZING results!
"When I bought my car, my bad credit left me with no option other than walking or a high interest loan. Thank goodness I found Blue Sapphires Credit Services to repair my credit. They made it possible to refinance that car loan at a much lower interest rate putting money back in my pocket each month."
Casey S. |
"I didn't know what to do after my late wife passed away. Grief impacted every area of my life including my credit. Blue Sapphires Credit Services not only restored my credit, but restored my faith and gave me the desire to live again. Maggie is not only good at what she does but she genuinely cares about each and every one of her clients."
Heath D. |
"We were a bit nervous at first because we both had a bad experience with a credit repair agency in the past. Maggie gave us realistic expectations and timeframe regarding the process ensuring we would be ready to buy our new dream home. We are so thankful we found this company as they have done wonders for our credit."
Teresa W. and James B. |