Answers:
How does your credit repair service work?
Step 1: Getting started
After Sign-up, Credit Repair Doctor will assist in obtaining
your credit reports from the three major credit bureaus (Equifax,
Experian and Transunion). Within two-three weeks you will
begin to receive your credit reports via U.S. Mail from the
credit bureaus.
Step 2: Mail your credit reports
The credit bureaus will only correspond directly with you,
therefore upon receipt all credit reports need to be mailed
to the Credit Repair Doctor in order for your account to
be processed in a timely manner. Mail original credit
reports (DO NOT FAX) in a new envelope and retain copies
for your records. As items are disputed the bureaus
will send you updated reports reflecting the progress of
the removal of negative items. Mailing credit reports
promptly to us will speed up the dispute process.
Step 3: Credit Repair Doctor’s
diagnosis
Credit Repair Doctor will act as your Credit Councilor to
analyze your credit reports and as requested by you, will
dispute the removal of negative items from your credit reports.
Unlimited disputes are included in your plan so this process
will continue until the negative items are removed successfully
Step 4: Congratulations! You’re
now on the road to your credit recovery.
The benefits of your credit recovery are being able to qualify
for mortgages, loans, major credit cards, lower interest
rates, apartment approvals, lower auto insurance rates, and
the ability to obtain good employment.
Why do I need your service?
Even if you have one negative item or inaccurate information
on your credit reports this can lower your credit FICO
score with all three major credit bureaus. Low
FICO scores can affect your chances to obtain favorable
interest rates for home mortgages and auto loans. It
can now also increase your auto insurance rates and affect
your ability to obtain employment. Credit Repair
Doctor has been very successful in the past with removing
negative credit items. Although you can attempt to
do this yourself, many individuals have found that it becomes
very frustrating and time consuming when they do not achieve
the results that we can provide. The fact is that the credit
bureaus may choose to ignore your attempts or choose not
to reinvestigate the negative items at all.
Are you a licensed company?
Yes – the law requires that you must be licensed. CREDIT
REPAIR DOCTOR.COM/GULFSTREAM CONSULTING GROUP, INC. is licensed in the State Of Florida, Palm
Beach County city of Boca Raton, Florida. Federal and State
law requires that you may cancel, without any penalty or
obligation, at any time before midnight of the 3rd business
day, which begins after the date the contract is signed by
you. FULL REFUND OF ANY MONIES PAID WILL BE RETURNED
WITHIN 10 DAYS OF RECEIPT OF CANCELLATION NOTICE.
How do I know my personal information is safe?
Any personal information that you submit to Credit Repair
Doctor.com during the sign-up process is protected by encryption
and is a certified secure Internet site. See the secure-connection
icon under sign-up.
How long does it take to improve my credit?
Within the first 60 days you will start to see improvement
in your credit report. Depending on the number of
negative items appearing on your credit reports will determine
the duration of time that services will be needed.
Can I apply for credit while my credit is under repair?
No, you cannot apply for any new credit because it will interfere
with the process of restoring your credit.
How do I obtain my FICO Score?
FICO Scores are not listed on your credit reports
and are not provided by Credit Repair Doctor. You
may obtain your score from www.myfico.com.
MYFICO does charge for this service.
(Link to website)
What if I don't receive my first credit reports from the credit bureaus
within 2-3 weeks?
You should receive within 2 - 3 weeks via U.S. Mail your credit reports
from the credit bureaus. If you do not, please contact Credit Repair Doctor
at 1-877-407-5333 so follow up can be done on your account.
What if I provide my credit reports to Credit Repair
Doctor?
Credit Repair Doctor will only work on credit reports from
the three major credit bureaus (Experian, Transunion, and
Equifax). Any credit reports from other credit bureaus or
credit services will not be accepted. If your reports
are not received within 30 days of sign-up then Credit Repair
Doctor will order credit reports and will charge accordingly.
How often should I expect to get mail from the credit bureaus? And
why?
You will receive updated credit reports about every two-three weeks
until your account is completed. As items are disputed the bureaus will
forward correspondence directly to you regarding the progress on the disputes.
When I receive my credit reports/correspondence what should I do with
them?
Send the original reports to Credit Repair Doctor and make
copies to be kept for your records.
All correspondence must be mailed to the following address in a new envelope:
US Post Office Box 970111
Coconut Creek, FL 33097
Do not write on the original envelope or forward by putting
our address over your address. Please keep individual credit
bureau reports in their original individual envelopes so
they are not mixed together, especially if a joint spouse
account is being done. All correspondence must be put
into a new envelope and mailed within five days of receipt
to process your account in a timely manner.
Can I fax my credit bureau report to you?
Do not fax a credit bureau report to us. A faxed credit bureau
never faxes properly. All credit reports must be
mailed. Any and all faxes will carry a $29 special handling
charge.
My address changed what do I do next?
Notify Credit Repair Doctor immediately either by U.S. Mail
or email at info@creditrepairdoctor.com.
Any inaccurate/incorrect personal information must be reported
to us in writing not verbally for removal or change on
your credit reporting files. Credit Repair Doctor
will notify the three credit bureaus and a service charge
will be applied. (Link to email address)
What is Fast Track Service?
Fast Track is a top-priority service: credit reports are
worked on the same day your order is received. It speeds
up your service because of the same day sign-up and set-up.
There is a one-time fee for Fast Track Service.
What payment methods do you accept?
Major Credit Cards 
What happens if a monthly payment charge is rejected?
We will redraft the payment and add a $39.00 late fee if
your credit card is not honored the first of every month.
What happens if I fail to pay my monthly payments?
Your account will go into a holding status. No work
will be performed until the account is brought current. If
payment is not made within 10 days of due date you will be
held accountable for the balance due on the contract plus
any and all administration fees, collection fee, attorney
fee, court fee, and any additional fees occurred in collecting
the debt owed.
How do I cancel my account?
Account cannot be cancelled by phone or by leaving a voicemail.
Client must provide cancellation notice in writing by mail.
Credit Repair Doctor does not have any restriction on cancellation. Client
can cancel our service at any time. This is a month-to-month
service. Client can stop assistance at anytime with
written notification but will owe the last billing for work
previously performed.
What is your warranty/Full Refund Policy?
Warranty - Full money back warranty if our service does not
change, improve, or delete negative item(s) from your credit
report after you have been a client for 12 months. |
