theFrequently Asked Questions
Is Credit Repair and Rebuilding legal?
Yes, credit repair and rebuilding is legal and the Credilife® Credit Improvement Program 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 that 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 by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
What is "The Dispute Wizard"
We know not everyone needs full service support when it comes to credit related needs. The Dispute Wizard is the credit repair pro so that you don't have to be.
Create an account for free from https://thedisputewizard.com/, but to experience the true power of the brilliant artificial intellengence behind the wizard, simply link select Online Credit Monitoring using the built in application programming interface. It's so easy, and once the wizard has access to evaluate your 3B Credit Report, with a few simple clicks you'll know exactly what steps to take to launch your own personal credit repair plan.
Is Credilife® worth my time and money?
Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you have the time and have access to good planning and advice. A majority of consumers today can benefit long-term from the advice and information provided through the Credilife® credit and financial education education. However, there are limiting factors that will prevent us from helping you.
If money is tight, or the time frame you have in mind for meeting certain credit related goals is not in line with the standard expectations, we can help you create a reasonable plan, and will often suggest you take certain actions on your own first to ensure you don't make life more difficult by adding too much to your plate at once.
It is possible to remove anything from a credit report, even accurate items that are no longer verificable, and the key is that you are going about credit repair for the right reasons.
If your current credit profile no longer accurately reflects your willingness and ability to pay a debt, we encourage you to take action right away!
Checkout the Credilife® Brand here: https://www.Credilife.com, Credilife® represents a leader in the space of personal and financial wellness through a robust offering of service options developed in an effort to assist consumers with their most common financial complaints.
What can I expect when I enroll into the Credit Improvement Program?
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 the Credit Builder Blueprint®?
A personalized outline of the your credit improvement program in physical book form that works to help you:
- Understand the path outlined to achieve your credit related goals
- Rebuild and strengthen your credit profile
- Better understand the credit repair process
- Better understand your credit report
- Improve your credit profile!
What is your cancellation policy?
The contract is fulfilled over a 30-Day Term. Upon expiration of the initial 30-Day contract term, the Agreement will automatically renew for the same term, unless the customer provides written notice of termination 30 days prior to the renewal.
Written notice may be provided via email to billing@yourcreditlife.com, by fax to 888-576-2860, or by regular mail to: 12751 County Road 5 Suite 100, Burnsville, MN 55337.
All services are billed in arrears.
Because fees are charged after rendering services, fees are generally not refundable.
How long will it take to raise my score?
Most of our clients see their credit profile within the first 90 days. Our services are designed around an 8 month program, so as long as you are ready to commit to change, and ready to put to action the education and advice of the certified Credilife® professionals, you will experience significant overall credit improvement, have a better understanding of how to maintain a healthy credit profile, and graduate with a credit profile that more accurately represents your ability and willingness to pay.
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. The fact that the bureaus never have to verify the accuracy of anything reported to them until you ask them to makes it absolutely essential that you express your rights under the FCRA to hold them accountable. However, every person has different experiences, a variety of creditors, as well as a wide variety of issues that all carry with them different types of liabilities. For this reason, no clients are alike, and the results from one client to the next will never be the same.
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 delinquency is paid or settled after deletion the account will not be intentionally re-reported. If it were ever re-reported, you would have the understanding to challenge the account and resolve the issue as a result of your experience through Credilife® educational methodologies.
What items can you help me to remove and improve?
Through our professional services, or a solid do-it-yourself plan, you can be successful in removing all types of accounts, from bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, to inquiries, late payments, old addresses, judgments, tax liens and student loans.
