CREDIT FACTS
A credit score is a number between 300-850 that depicts a consumer's creditworthiness. The higher the score, the better a borrower looks to potential lenders. A credit score is based on credit history: number of open accounts, total levels of debt, and repayment history, and other factors. Lenders use credit scores to evaluate the probability that an individual will repay loans in a timely manner.
A credit repair company is an organization that helps you understand and repair your credit by analyzing your credit report and disputing inaccuracies with credit bureaus and creditors. Credit repair companies have the experience and knowledge to tackle credit issues that could be difficult to resolve on your own
For a score with a range between 300-850, a credit score of 700 or above is generally considered good. A score of 800 or above on the same range is considered to be excellent. Most credit scores fall between 600 and 750
A bad credit score is one below 670. More specifically, a score between 580 and 669 is considered fair, and one between 300 and 579 is poor.
Credit bureaus have to investigate the items you question within 30 days. (Please be advised that due to covid-19 responses times have been extended).
Credit bureaus have to investigate the items you question within 30 days. (Please be advised that due to covid-19 responses times have been extended).
Yes they can. Negative accounts that have been deleted may later reappear if verified by a creditor. According to the Fair Credit Reporting Act the credit bureau must inform you before they re-report a previously deleted listing. The Fair Credit Reporting Act does make it hard to re-report listings, because of this it is very rare for this to occur. If this situation does ever occur we will help you challenge the listing within legal means.
Yes! The Fair Credit Reporting Act gives you the right to dispute any misrepresentation on your credit reports.
Yes! Of course! If you have inaccurate negative items on your credit reports, especially if you have accounts that may impact your ability to get a loan or new credit, a house, an apartment, or even a job! There’s a lot more to credit restoration and credit counseling than disputing obvious mistakes. Schedule your consultation today to find out more.
Company faqs
We would love to guarantee you results, however, for a credit repair organization to guarantee results is ILLEGAL.
Although we cannot guarantee results, please be advised that most of our clients see the best results within three to four months, while some clients see results within 30-60 days. Results vary on a case by case basis.
Results vary based on the following:
Your credit report, your cooperation with sending in updated correspondence, response times from the credit bureaus and/or creditors.
DP Financial will strive to put our best efforts forward but please be advised that there are numerous key factors in determining success with results. Which is why results vary on a case by case basis
Results typically in 30-45 days
No Hidden Fees
Monthly Updates
Credit Building Tips
Unlimited Disputed
Unlimited Support
Your first payment will be due on the date of enrollment after services are rendered. (You have 72 hours to complete onboarding.) Monthly fees are due on the 5th or 25th of each month. Upon enrolling, you will be asked to select your preferred due date. For example, if you enroll in our program on January 22, 2022, and select the 5th as your payment due date, your payment will be due the following month (February 5, 2022). Every month your payment will automatically be deducted on the date selected.
Clients are entitled to a partial refund on all monthly payments if the following occurs:
1. We are unable to remove any negative items within 180 days.
2. You have had no new negative information reflected on your credit report after hiring our company.
3. You have maintained credit monitoring services throughout the duration of your credit repair process.
4. You agree and have sent updated correspondence from the three credit bureaus & creditors to us within 72 hours of receipt.
A partial refund will cover supply costs, such as stamps, envelopes, toner, etc.
The consultation is designed to be a brief introduction to our company and services. We use our consultation to determine whether or not you are a candidate for credit restoration. If you are ready to proceed with our services, we will next do a detailed audit of your credit reports and begin the process of disputing those inaccurate, unverified, and/or questionable accounts.
Your audit is a comprehensive analysis of your credit profile, broken down into easy to understand, actionable segments. After reading your audit, you will understand all aspects of your credit profile, and you will also know how we are going to work together to increase your credit score. Your audit will include a complete description of each item on your credit report, both positive and negative, along with action steps that you should take to improve your credit profile and credit scores.
Credit monitoring is the process of periodically reviewing your credit reports for accuracy. Credit monitoring helps protect you against identity theft and monitoring any changes and/or inquiries made to your credit file. You will need it throughout the program click here: https://member.identityiq.com/creditpreferred.aspx?offercode=431254XO
Yes, a 3 in 1 credit monitoring service is mandatory while you are enrolled in the program. We need access to your credit report at all times to track the progress. Without an active monitoring service, we cannot assist you.
We make attempts to challenge inaccurate, unverified, questionable accounts with the credit bureaus, collection agencies, and the original creditors. We would assist you with building a strong credit profile and educate you throughout the process. You have 24/7 access to the client portal to keep you updated with the process and communicate with me via the client portal.
Yes! Your audit includes personalized advice geared towards your credit situation. If we feel you need additional lines of credit or better lines of credit, we will include sources of credit lines that will benefit you.
DIY faqs
Results vary on a case by case basis, credit bureaus respond within 30-65 days. Being that this is a DIY course, results vary based on the following:
The amount of time and effort you put into the program.
Your credit profile (The items on your credit profile and the severity of them.)
Credit Bureaus/Collectors response time.
How quickly you respond to the Credit Bureaus/Collectors.
Results vary based on the following:
Your credit report, your cooperation with sending in updated correspondence, response times from the credit bureaus and/or creditors.
There are numerous key factors in determining success with results.
Which is why results vary on a case by case basis
Your first payment will be due immediately. Monthly fees are due on the same day every month from the first day you are enrolled into the program. For example, if you enroll in our program on January 1, 2021 your next monthly payment is not due until February 1, 2021.
Clients can cancel at anytime without penalty at least 14 days prior to their billing due date.
Credit monitoring is the process of periodically reviewing your credit reports for accuracy. Credit monitoring helps protect you against identity theft and monitoring any changes and/or inquiries made to your credit file. You will need it throughout the program click here: https://member.identityiq.com/creditpreferred.aspx?offercode=431254XO
Yes, a 3 in 1 credit monitoring service is mandatory while you are enrolled in the DIY program. You will need access to your credit report at all times to track the progress and cannot obtain your updates without the credit monitoring.
Without an active monitoring service, you will not fully be able to repair your credit.
This is a Do it Yourself (DIY) program. Which offers Virtual 1 on 1 assistance, you will be guided through how to repair your credit yourself, step by step.
This DIY program allows you to make attempts to challenge inaccurate, unverified, questionable accounts with the credit bureaus, collection agencies, and the original creditors.
Yes! As part of the DIY course you will receive a list of our approved credit building programs.
In order to keep the DIY program active, your subscription must be current at all times. Failure to pay your monthly subscription will result in your account being cancelled until payment is current.
