As your Credit Repair Specialist, our most important job is to review your credit reports with you and begin the process of disputing negative inaccurate items on your reports. Our next important job is to give you recommendations to follow, which will help you to speed up the process, achieve a higher score and maintain it. While we do our part, just relax and follow our steps, your score will start to improve quickly.
In this step we look closely at your credit reports providing recommendations specific to your credit situation. Then we'll create a customized plan to improve your credit profile.
Next we execute the plan by challenging the negative, and unverifiable accounts that are affecting your scores with the credit bureaus and creditors.
Here at Credit Fancy we keep our clients updated throughout the entire credit repair/restoration process. You'll have 24/7 access to your client portal for updates on your credit report and scores.
We'll maximize your credit scores so that you can reach your financial goals and educate you on how to maintain your fancy credit going forward.
Our program comes with Credit Fancy's 180 day money back guarantee. If you don't see any negatives removed or repaired within the first 180 days, you will receive a full refund not including the enrollment fee.
Click the link at the top of this page to book a FREE Credit Consultation!
Yes, credit repair is legal and we use the consumer laws in your favor to get results. One of the laws we use 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 within 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! Here at Credit Fancy we are Board Certified Credit Repair Specialists that are trained to challenge these laws from every angle to get the best results for our clients.
Credit repair is actually the process of removing inaccurate, unverifiable, erroneous, out dated information from your credit report. Your credit report dictates your credit score. The 3 major credit bureaus (TransUnion, Experian, & Equifax) collect information from lenders, creditors, and debt collectors and apply it to your credit report. Based on that information, your credit score is determined.
Great question. Unlike most companies that only dispute two or three items per month, Credit Fancy challenges every piece of negatively reporting information every month, which results in a much shorter total program time for our clients. However, please always keep in mind that credit repair is a process, and that process takes time and patience as well as maximum effort. Most of our clients will see some changes on their credit report within the first 45 days or so, and then they see more results following each cycle that we send. Patience and persistence is the key to successful credit repair.
Yes, a credit monitoring subscription through our preferred partner Smart Credit is required for the duration of the program. When you sign up for Smart Credit under our link (www.smartcredit.com/creditfancyllc)
the cost is $1 to sign up and $24.95 a month.
Every 35 days, at the end of a challenge cycle, we will pull your updated credit report and update your Secure Client Portal with the results. We will also send you an email with all the significant updates, as well as insight as to why your scores changed.
We need to see any communication you receive from creditors, collectors or the credit bureaus. You can scan or take pictures of this communication and either upload it into your Client Portal or email it to firstname.lastname@example.org
Do not give any collection company any information about you, including your name. Simply tell them that you want all communication to be through mail, and that you do not give them permission to contact you by phone.