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HOW OUR CREDIT REPAIR WORKS
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CREDIT REPAIR PROCESS
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FREQUENTLY ASKED QUESTIONS
What is my credit score based on?
redit scores are based on the data in your credit report and are generated by computers using artificial intelligence. Many factors contribute to your credit score including:
- Amount of available credit
- Payment history
- Recent requests for credit
- Amount of credit currently being used
- Length of credit history
- Your credit score broken down according to myFICO.com:
35% is your payment history, which considers whether or not you’ve paid your past creditors on time.
30% is your amount owed, or how low your balance is in comparison to your credit limit.
15% is your credit history length. Longer credit history showing on time payments is preferred.
10% is your amount of new credit. Research shows opening several new accounts in a short period of time represents a high risk.
10% is types of credit in use including mortgage accounts, installment loans, credit cards, and finance accounts.
Under the Equal Credit Opportunity Act, credit scoring may not use gender, marital status, national origin, race, or religion as factors.
What kind of items can you get removed from my credit reports?
Every type of credit account and item of personal information must be completely accurate, according to the Fair Credit Reporting Act. Whether your personal data, payment histories, collections, chargeoffs, public records, if there is any detail that is outdated, incomplete, or potentially inaccurate, we can dispute it on your behalf with our proven tactics.
If the credit bureaus are not able to provide documentation that verifies their total accuracy, we will fight to get the unverified items removed from your credit reports and get you the credit you’re legally entitled to.
Is credit repair legal?
YES! You are given the right under the Fair Credit Reporting Act (FCRA), including the right to challenge inaccurate, misleading, and obsolete items appearing on your credit report. Irving Law’s Credit Repair uses every venue available to you under the law to help you assert these rights.
Challenging items on your credit report is your legal right (FCRA). When you use Irving Law’s Credit Repair to help repair your credit, we are abiding by all federal and regional laws regulating third-party credit repair assistance.
Will I get Results?
We have not had a single client who has not gotten results from our program. We know from experience that, due to our one-on-one personal approach, our clients usually have great results. All results are unique to each situation, schedule your consultation to see how we can help you.
CREDIT REPAIR PRICING & OPTIONS
- Get a live one on one review of all 3 credit reports and scores
- Personalized Action Plan
- Debt Ratio Review
- Professional Advice to help improve your credit
- Sign up for your free credit review today and make sure credit repair is great fit for your situation
$199 audit / $99 month
- Great Value
- Credit Education & Coaching
- 3 Bureau Disputes per month
- 24/7 Client Portal Access
- Financial Management Tools
- Customer Support
- Money Back Guarantee if no deletions in 90 days
- Month to Month Agreement
PAY PER DELETION
- 3 Bureau Audits
- Pay For Deletions ONLY
- Inquiries/Personal Info-Free
- 24/7 Client Portal Access
- Deletion Rates Below
- Collections/Charge Offs $40
- Repossession $65
- Bankruptcy/Civil Judgement $100
- Foreclosures $125
- Lifetime Client/No Monthly Payments
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