| Your Credit Report Do you know what is in your credit report? Who last asked for a copy? Is the information that it is reporting correct? Is that your Social Security Number or someone else's? What will you do about it? Every American has a right to see what is in his or her credit report. Your credit report tells almost everything about you and your life style. They report not only on your spending habits, but your employment, your address, social security information, court records etc. Almost every report contains some incorrect information and there is more than one reporting agency giving your information out! And any derogatory information may prevent you from purchasing the new house or car etc. When you get that report, will you understand it? Will you know what to do? By all rights the consumer has every right to repair their own report. But this can become time consuming as well as frustrating. By having a Credit Repair Service company such as Concise assist you, we take the confusion, the frustration, and above all, the time to bring the matter to the best possible solution. The consumer is responsible for the information being reported in their credit reports. The Supreme Court ruling in 2001 states legal claims must be filed within two years after the mistake occurred, even if the victim does not learn of the error in that time. Though the Court states that it is the individual’s responsibility, the process to identify mistakes, fraud or inaccurate information on the reports is a time consuming and manual task. It may be a task so overwhelming that they may not understand their credit report and know what steps to take to correct the problem. Concise operates by all Federal and State laws. Our fees are paid only for items we successfully update in your report. Every client is given a contract detailing the services that will be contracted along with a reasonable date to complete. We will prepare the documents required to begin the process. We will review your reports with you! Unlike the Internet versions being touted online, we go over each item, and explain what the report states. We firmly believe in a ONE-on-ONE relationship with the client. Whether it is in person, by telephone, by mail, and/or even e-mail. We want to get to know the client, who should also get to know whom they are dealing with! Just A Note:
WE WORK ONLY WITH THE ACTUAL REPORT FROM THE CREDIT REPORTING AGENCY. BEWARE OF THIRD PARTY REPORTS! CREDIT REPORTING AGENCIES WILL ONLY INVESTIGATE THE INFORMATION THEY REPORT! THERE IS NO SUBSTITUTING ACTUAL REPORTS! The Process: · Concise will prepare all necessary documents to obtain your credit reports from the major agencies. · Upon receiving the reports Concise will review each report with the client, and explain in detail what the contents of the report contains to the client. · After reviewing the reports with the client, Concise will make the necessary letters for disputing what is incorrect, false etc. Concise will also review the report for outdate information that should have been removed. · Concise will prepare the necessary dispute letters to each reporting agency for the client to review and then send to the reporting agency. · Upon receiving the updated reports Concise and the client will review the reports again. If there are any items still unresolved Concise will prepare the necessary letters to continue the dispute. · If all is correct Concise will advise the agency that the reports are correct at that time. · If required Concise will assist the client with the addition of a 100-word statement to be added to the report, which is a consumers right under the Fair Credit Reporting Act. Note;
The normal time span to perform this service is 3 to 6 months. In very rare cases does it exceed 6 months, but we have had cases that take more time.
What Concise Consultants will not do...... Concise will not make/present any statements knowing them to be false on behalf of any client. Concise will not declare all items on a report to be incorrect or not belong to the client in order for the reporting agency to investigate them only to have them be returned to the report. Concise will not and cannot legally remove bankruptcy reported items. By law they remain for up to ten years on a report. Only the reporting agency has the power to remove the item sooner. The same requirement is for any legitimate reported item such as judgments, tax liens etc. The law is firm. Both the client and the credit repair company can be charged with violating this law. Please do not ask us to break the law. Concise Consultants adheres to all Federal and State regulations required of a Credit Repair Agency. Fees:
There are NO UP-FRONT FEES.
A one time $150.00 set up fee will be billed and collected at the end of the process.
We do not charge on per item basis, due to the fact there are three reporting agencies, and you would be paying for each report and each item removed/corrected over three times.
We charge a monthly fee of $30.00 billed and due at the end each month for work performed that month while the repair service is in progress.
We charge this monthly fee for the service with no limits to the amount of time, letters, reviews and effort used to resolve your case per month.
Clients can make payments on line clicking the PayPal logo located on our Contacts & Payments page. A signed contract containing: 1) Services that are being contracted, 2) Estimated date of completion 3) All fees 4) Requirements is required to perform this service.
A Signed Credit Card Authorization Form is required on file for all billing charges that will be collected at end of process (unless other agreements are made).
Any and All out of pocket expenses paid by Concise on behalf of client are billed to the client and is due in addition to the monthly fees.
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