Use the laws under the Fair Credit Reporting Act (FCRA) to Restore Your Good Credit
“Do it yourself Credit Restoration”
Using The Law That Restores Your Credit
1-888-568-1714
LEARN To Protect Your Credit
“Restore Your Credit Yourself! ”
FAQ (Frequently Asked Questions?)
Q. How is CRA different from other programs?
A. Our Copyrighted system is unique from any other credit repair company. We give you a step by step approach using software designed to be point and click, with video tutorials giving you step by step direction on accessing dispute process with each credit bureau. We also provide an associate to analyze your credit report and will provide professional direction on how to successfully remove Negative and Derogatory items from each of your reports. Our associates have the experience with the certain laws you will be using to remove your negative items.
The process is performed by you along with the program tools, advice and direction from our professional associates.
A. Yes! Absolutely... Under the FCRA (Fair Credit Reporting Act) you are entitled to not only dispute derogatory credit, but to challenge the credit bureaus using the credit laws that protect you.
We know that the credit bureaus have not followed critical sections of the law and will have to remove negative items reported on your credit reports. Using the laws to protect your rights, it will be immaterial whether the information on your report is accurate or not!
Q. How does this credit restoration process work?
A. Our process is very different from the traditional credit repair companies that you see and hear about. We do not dispute items on your report as most credit repair companies do. We show you how to challenge the credit bureaus to provide verified documentation of any derogatory item on your report. It does not matter if it is accurate or not. They must have full documentation of your information, including verified signatures for the item(s) reported and the original contracts that you would have had to sign.
The fact is they do not have the documentation required! They have not had it for almost 40 years!
Q. How long does this process take?
A. You will usually see results with in the first 30 days. It will depend on the type of credit items that are posted on your credit file. Some will take a little longer. However you will see tremendous results from 30 to 60 days and should have your credit to a respectable level from 90 to 180 days!
The best part is items that you get removed will not re-appear on you reports, unlike most other credit repair services that you see out there.
When you use our system the credit restoration will be permanent. And the best thing of all... You will know how to restore your credit and keep it there yourself.
Q. Why can’t I just study the laws myself and not use any service?
A. You can! The only problem is you will have to totally understand how you use certain laws to your benefit, so you can successfully remove the items from your reports. Our system and process encourages you to restore your own credit! We just provide the vehicle and the knowledge that we have successfully used over the last decade, so you have success.
Most people could probably attempt to do heart surgery and may have success?... But, if they had someone who was very experienced guiding them every step of the way along with some prior training, would most likely have much much better success.
We are not saying this is heart surgery, but hopefully you get the point!
Q. What is Credit Repair Associates Guarantee?
A. We know our program works! We have not had anyone that has followed our system want their money back yet! Therefore we will not guarantee it for the traditional 30 days like some other companies... We will give you a full 180 day money back guarantee!*
If you do not raise your credit score in 180 days or less... We will refund your purchase 100%*. That’s a full 6 months no risk to you!
Q. How much money can I save when I improve my credit?
A. When your credit scores are above the 660 mark, you will start saving on interest rates and you will have a much easier time getting the financing you want.
Over a lifetime of interest that you will be charged, the average consumer with a credit score above 660 to 720, will save tens of thousands to even several hundred thousands of dollars depending on the type of items that you will finance.
Q. What is an inquiry on my credit report?
A. There are two kinds of credit inquiries that will appear on your report.
1. Is what we considered a hard inquiry. The hard inquiry is when you authorize some credit agency to pull your report(s) for financing a specific product or service. This will show up on your report and be viewed by any other credit financing companies that you would authorize to pull your credit. These items stay on your report for 2 years from the date the report was pulled. Hard inquiries have an affect on your credit score.
2. Is what we consider a soft inquiry. The soft inquiry is when you have a company that you have credit account(s) with, and they want to check up on your financial situation, or a company that wants to offer you their financial product and when you pull your credit report. These inquiries show on your report, but do not show up to any company that would pull your credit for financing. These type of inquiries do not count against you or your credit score.
Q. How to I find out what my credit score is?
A. You can find out your credit score and what is on your credit report when you order your reports from each bureau. We will show you several ways to order your report Free.
You will also have the option to set up a paid subscription for unlimited access to your reports and scores. (We will recommend this option for you, as it gives you a real time tool to monitor what is happening in your dispute processes. It also will keep you informed of how creditors report information to your report and you will be able to make sure you keep your FICO score where it needs to be.
Q. Can I really remove Negative / Derogatory information from my report?
A. Absolutely! With our educational program, guidance and tools you will join millions of consumers that have successfully removed negative information from their credit reports.
We are confident that success is not only possible... It’s likely!
Q. What kind of Negative items can be removed from my report(s)?
A. Anything negative on your report can be removed... Including foreclosures, bankruptcies, student loans, late pays, tax liens, and even judgements.
Again this is why our program is different. We do not dispute the items, we challenge the credit bureaus to provide proof of the information they are reporting. By the FCRA law, the bureaus have to have full documented and verified proof of not only the pay history, but copies of the original contracts with your signatures and verified accurate. If they don’t have the information... And they don’t! They will have to remove the negative information from your report permanently!
Q. Why do you charge more than those Online Law Firms and credit repair companies?
A. We are not a credit repair company! We are an educational credit restoration company that empowers you to succeed with proven results! Our approach is totally different then all the other typical credit repair companies out there. We do not use the same methods that everyone else is using.
Most consumers who have used these other type companies, end up spending thousands of dollars and several years to restore their credit, only to find many of the items appearing back on their reports.
So in reality. We are hundreds and even thousands of dollars less, than using these other type of credit repair companies... Remember these companies make money the longer they take to repair your credit.
Our service is designed for you, to restore your credit yourself and do it with in 90 to 180 days, with a one time affordable fee, and a full money back guarantee!
Q. What kind of support will I receive after sign-up?
A. Everyone succeeds! We will give you full online support for up to 180 days. Our program is designed with video tutorials for accessing the credit bureaus and challenging your negative credit. Our professional staff can answer any questions and will guide you through the process.
Q. I heard that their are companies that get you a new social security number. Can I just get a new number and start over?
A. Absolutely NOT! This is illegal! Do not use any company that says they can do this for you. It is not only dangerous, but usually unsuccessful.
Why not use a system that is legal and uses the credit laws to restore your credit!
Use CRA, our program works using legal tactics that are proven to work! Plus you will have the education and knowledge needed to restore and keep your credit rating healthy and respectable.
A. It’s easy! You will get instant access to our program. In the program there is video tutorials to get you started. You will have 12 modules to follow, with easy click on links for the step by step credit restoration process. You will also have contact with one of our professional credit specialists.
If you have any questions you can call us at: 1-800-757-0861 or
email us at: sales@creditrepairassociates.com
Q. How is CRA different from other programs?
Q. How does this credit restoration process work?
Q. How long does this process take?
Q. Why can’t I just study the laws myself and not use any service?
Q. What is Credit Repair Associates Guarantee?
Q. How much money can I save when I improve my credit?
Q. What is an inquiry on my credit report?
Q. How to I find out what my credit score is?
Q. Can I really remove Negative / Derogatory information from my report?
Q. What kind of Negative items can be removed from my report(s)?
Q. Why do you charge more than those Online Law Firms and credit repair companies?
Q. What kind of support will I receive after sign-up?
Q. I heard that their are companies that get you a new social security number. Can I just get a new number and start over?
