Frequently Asked Questions

it is not unusual for people to have questions concerning the credit repair process and you can be sure we have answered many. This section may help to answer a few of those questions for you. Do not hesitate to contact us if you still need to find answers to your concerns. If you have a question that is bothering you we are here to answer it for you. We have listed below some of the most cmmon questions which our clients have asked us. If your question and answer are not listed go to our Contact page and submit your question to us by email or give us a call.

What is a Credit Bureau?

Credit bureau's track a persons personal, financial and credit information on people over the age of 18. They will sell your credit data to those agencies which prove they have a right to obtain it. This information is gathered from various state and federal public records, court houses, employers, insurance providers as wel as creditors. These are not a government porganization and have rules which they too must follow or risk being fines and/or sued. The 3 major credit bureaus are EQUIFAX, TRANS UNION and EXPERIAN.

How do Credit Bureaus make money?

Credit bureaus are commercial businesses created to make a profit. They make their money by selling your credit report to other businesses. Someone with bad credit actually means more business for them because the person will apply for credit more often than someone with acceptable credit. This is the reason they dislike having negative accounts repaired. Credit rerepair companies are simply bad for their business.

Why would a Credit Bureaus not want me using a Credit Repair service?

generally the credit bureaus tell you that it is less expensive and siimplier to do it yourself. This may be true that you have the right by law to repair your own creditbut may people faiul to have the necessary experience, time, and organizational methods necessary to deal with bureaucracies. You can spend multiple hours studying in order to gain a fundamental knowledge of the consumer laws which are available to you. Many people who begin the repair process themselves usually turn to a professional credit repair agency after only a few months of work and frustration.

How long will negative information remain on my credit report?

Credit bureaus will maintain negative account information for as long as seven (7) years from date of first delinquency. Chapter 7 and Chapter 11 bankruptcies will remain on a persons report for 10 years from the date of filing. Chapter 13 bankruptcies last for 7 years from date of filing. Judgments are report for 15 years unless paid and then it remains on the report for 7 years from date of filing. Tax liens can stay for 10 years, if unpaid, however, a tax lien's can be removed immediately if paid in full and a special IRS form is sent to the sent to the bureaus.

How do I get started?

You can sign up online to begin improving your credit and within minutes you will receive an email with simple easy to understand instructions telling you how to get started. We can help you to obtain copies of your three credit reports and how to get them to us. We recommend using Privacy Guard. Once your reports are in our hands we will perform a complete analysis and start the credit dispute process. Refer to our "How Repair Works" page to get a more detailed step-by-step overview of our system.

What can you remove from my credit report?

Delaware Credit Repair can remove all names but one, bankruptcies, charge offs, civil liens, credit card debts, foreclosures, fraudulent accounts, divorce debts, identity theft accounts, inquiries, judgments, medical bills, old addresses, repossessions, tax liens, and unpaid collections.

What cannot be removed from my report?

Child support information, however, in the event that5 the account is reporting erroneous information or it is a duplicate, we will correct the account so that it reports only the accurate information.

What is the cost?

Under the law we cannot charge you for repair services that we have not performed therefore after your account has been setup we will review and address your credit issues as necessary to fix your credit problems. At that time we will complete the dispute letters and charge you a monthly fee of $29.95. This will be a reoccurring monthly charge until such time as you cancel it. We charge this monthly fee as work is completed, and never in advance. You are free to cancel our service at any time with no further obligation.

We require a 3-bureau credit report to start and may request a new report at other times in order to update your progress, so please allow for these additional expense. we would be glad to obtain these reports for you however under the federal law only you may request your credit reports. Upon signup we will provide you with several links to some top report agencies.

What is included?

Our credit repair service includes a detailed examination  o your three credit reports and a discussion with you on which entries are harming your credit potential. We will than offer you our personalized credit improvement tips and suggestions along with issuing ongoing dispute letters to the credit bureaus.

When will I see results?

No one can say for sure that they can improve your credit in a specific number of days nor can they ensure you that you will reach a  certain rating however, at Delaware Credit Repair we have perfected our process to a "T". We begin immediately and keep at it until we see results for you. This process is continued as long as you have an active membership. If you sign up today we will have your first round of dispute letters out within a week. And since the credit bureaus has 30 days to process any dispute, you should see initial results in about 45 to 120 days to see a substantial change. On an ongoing basis, you should see results each month you are in the program.

What if I don’t hear from the credit bureau?

If at the end of 45 days you don’t hear anything back from the credit bureaus please contact us as sometimes they just want to ignore you.

How often will the credit bureaus contact me?

On the average of about every 45 days you will get an updated credit report.

What should I do with the credit report mail which I receive?

Make copies of all the documents for your records and mail us the originals at:
Delaware Credit Repair; 413 High Street, Seaford, Delaware 19973

Will removed items ever come back to my report?

In most cases it will not return however often the creditor will sell the account to another company which may post it as long as the account is no older than 7 years old. On occasion, a negative listing which was deleted will be verified by the creditor. Keep in mind that the Fair Credit Reporting Act requires that the bureau inform you of any reinstatement resulting from a previously deleted item. The FCRA has made it difficult for a credit bureau to re-report listings. as a result of these factors, it is rare for a previously deleted item to reappear on your credit history once it has been deleted. If an item is re-reported, it will be a simple matter for Delaware Credit Repair to challenge the entry again at some future time to get it permanent deletion. We try to remove those as well and have had good luck at it.

How do I get my credit report to you?

We recommend using Privacy Guard. After you sign up for your 3-bureau reports online, just provide your login information and we will access it directly into your control panel.

When I request my own credit report will it hurt my credit scores?

When you personally request your own credit report it will have no impact upon your credit scores.

Why do I need a 3-bureau report?

3-bureau reports are simple to obtain and they permit our experts to conduct a proper analysis of your credit factor side-by-side for a combined comparison where we identify your credit discrepancies between the three bureaus. This deficiency is usually indicative of an error on the reports.

How many negative discrepancies are dispute at a time?

We dispute 9 items (3 items per bureau) every 35 days.

How long does the program last?

This is a difficult question to answer as everyone’s situation is different, however on the average our clients should see positive results within a six month period. Naturally, the duration of the program will depend a lot upon the number of negative items listed on your credit report which we will need to dispute as well as the responses we receive from the credit bureaus.

Do you offer a guarantee?

Yes, we offer a 30 day money back guarantee. If you are not satisfied with the work we are doing on your behalf we will refund your money. We would be a fool to attempt to predict a specific rating or achievement in your credit report however we assure you that our goals are the same as yours - to improve your credit score. With that thought in mind we will do everything possible to maximize the results towards that end.

Can you help with outstanding debt?

We examine your reports to determine i there are errors in them and whether they are being reported correctly however our program is not created to provide a remedy for legitimate debt. We do maintain and update frequently our library f materials to have you keep a stable track of your debts and control your spending. Feel free to read them as you please.

Do you share our personal information with anyone?

Your information is kept private with Delaware credit repair and it is never shared with anyone. Please review our privacy policy for more information.

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