FAQs Frequently Asked Questions 1stCreditExperts.com Credit Repair Experts

1.		How do I get started?
		You can sign up online now, it is fast, easy and takes less than 2 minutes. After signing up you will receive a welcome email with easy to follow instructions on obtaining your credit reports and how to send them to us. We work very efficiently and within a few days of receiving your credit reports our first round of credit disputes with be sent. No time to waste, we urge you to start today.
2.		Can 1stCreditExperts.com order my credit report for me
		The Fair Credit Reporting Act (Section 604) prohibits the credit bureaus from furnishing credit reports to third parties for any reasons outside of the FCRA definition of "permissible purposes" which include determination of credit worthiness, underwriting of insurance, and employment screening. You will obtain your own credit reports. After signing up for our services your confirmation email contains all information on the best ways to obtain your credit reports.
3.		What are the costs?
		At 1stCreditExperts.com we fell our services and fees are the best value for your money spent. It is not our intention to put additional stress or strain on your money budget. Our goal is to deliver you an outstanding service at a nominal fee. 1stCreditExperts.com has a small set up fee of $89 and then a monthly fee which begins 30 days later at only $39 per month or our premium service for only $69 per month. There are not hidden fees or costs. You may sign up your spouse and receive a 50% discount for a second account. Additionally you may stop the service at any time without additional cost or penalties.
4.		How does 1stCreditExperts.com program work?
		The 1stCreditExperts.com system helps individuals correct errors within their credit report and best of all, it is quick and painless. You sign up for our service and let us do all the work. Our staff will examine all aspects of your credit, all in accordance with current laws that govern the various participants in the reporting process. After evaluating all questionable, out of compliance and obsolete items within your credit report, we will send letters to the proper parties for the reason of clearing the derogatory information. Sign up today and let us increase your credit score.
5.		How do I know if this is a credit repair scam?
		1stCreditExperts.com is part of a 350 web site network that has been online for more than 14 years. We have an excellent standing in the business community and service thousands of peoples needs monthly. Credit repair scams do exist on and off the Internet. You should only work with a credit repair company that complies with all rules and regulations and does not charge huge up front costs. Many people have been asked to pay thousands of dollars to repair something we could do for you for less than $50 a month. And, you can stop our service at any time, unlike some of the “other” credit repair companies that have expensive plans and long term contracts.
6.		How long does it take to raise my credit score?
		Typically, 45-60 days from initial enrollment is when many results occur on credit reports. You will see these results in new credit reports that will be sent to you by the credit bureaus, and the best part is the new reports are free. Once you receive these new credit reports you will forward them to 1stCreditExperts.com and we can continue working on other items within your new report that needs correcting. This process continues for several months in clearing up the inaccuracies found within your credit report.
7.		Can 1stCreditExperts.com help me build a new credit identity?
		No. The penalties for misuse of credit reports and generating false new ones are severe. We specialize is working within the law, not making flamboyant statements that cannot be accomplished and delivering a quality service for a nominal fee. We never have or will suggest or assist any client in stepping outside the legal boundaries.
8.		Requesting my credit report, does that hurt my credit score?
		No. Basically there are two types of credit report inquiries, hard and soft. The hard inquiry is what affects your credit score, and this occurs when you apply for new credit and the credit company pulls your credit information. However, a soft inquiry does not change your credit status and there are several ways a soft inquiry occurs. 1. If you request your own credit report. 2. When an existing lender reviews your existing credit account. 3. Lenders, usually credit card companies, offer you pre approved credit, they often work with credit reporting agencies to obtain a certain credit rating person to match their offerings. That is the “special offers” you receive periodically in the mail.
9.		How does low or bad credit affect my daily life?
		Simply stated, bad credit costs you money! To better explain, let us take an example. If you borrow $150,000 on a house loan, the difference between poor and excellent monthly payments is dramatic. A person with excellent credit will pay approximately 5%, $805.23 monthly payments, where as an average credit score will have a 7% rate, $997.95 monthly payments, and a poor credit score will have a 9% rate, monthly payments will be $1,206.93. Over 30 years of payments, the poor credit score will pay $144,612.00 more than a person with an excellent credit score. This holds true for car loans, credit card rates and any other item where you borrow money.
10.		Is my personal information shared with anyone?
		No. 1stCreditExperts.com does not share your information with anyone. All of our employees have signed confidentiality contracts and we value your privacy. At no times have 1stCreditExperts.com or our employees ever sold, rented, shared, traded or any other form of transferring information about any client to any third party in the world.
11.		How do I keep from getting errors or bad credit scores in the future?
		To insure that bad credit does not continue in the future the answer is simple . . . do not take on more debt than you can pay and do not be late in any payments. This sounds simple, but in this fast pace world sometimes your personal economics gets out of control. Keeping control on your credit obligations is an ongoing job and if not monitored, it can be very costly.
12.		Can I fix my credit report on my own?
		Yes and No. Yes, you have the legal right to repair any false statements or inaccuracies contained within your credit reports. Even though you have the right, the answer sometimes is NO. Do you have the time, expertise, materials needed, correct methods and the overall ability to handle this tedious process? A professional credit repair company, such as 1stCreditExperts.com, is often much faster and effective in obtaining an accurate credit report. Like all industries, the professionals that do the work daily are usually better equipped to handle and resolve problems than a novice.
13.		Why should I worry about fixing or improving my credit report?
		Fixing your credit report to show all correct information is not important, if you plan on NEVER doing any of the following items . . . 1) buying any items on credit, 2) apply for a high paying job, 3) apply for large life insurance policy, 4) apply for credit cards, 5) buy a home, 6) open a merchant store account, 7) renting better apartment or commercial space. Obviously, fixing your credit report and maintaining accurate information within the reports is critical for almost all adults.
14.		Do I have to pay my bills if I use the 1stCreditExperts.com service?
		Yes, it is extremely important to continue paying all your bills on time. Our service does not eliminate your current debt, but we correct errors in your past credit history. The only way to preserve a good credit report in the future is to continue paying your monthly bills on time. Time is an asset when you pay bills on time.
15.		What are the results I should expect?
		You should expect to have over the first several weeks the major inaccuracies changed or removed. These items that are easy to verify and will be removed upon providing the proper dispute letter to the appropriate parties. Other items, the more difficult or harder to verify items may take more months and require several attempts in having the credit bureaus understand and agree to your dispute.
16.		Is this service an automated dispute service?
		No. 1stCreditExperts.com is not an automated service. Nothing could be further from the truth. Automated services have customers randomly select which items they would like to attempt to dispute, rather than taking a real approach and working on items that can be repaired. We take pride in working personally with each account and generating the best results possible.
17.		Should I sign up my spouse at the same time?
		Yes, we recommend both of you sign up. It does save you 50% on spouse account. No, we are not urging you to spend more money with our company, the truth is couples often have many joint accounts. By setting up separate accounts you will each get all the individual benefits with a discount on the second account.
18.		After ordering my credit report, how do I send it to you?
		Upon completing our sign up form you will be sent a confirmation email and full instructions on obtaining your credit reports and sending them to 1stCreditExperts.com. Included in this email are instructions on how to obtain your annual credit report for free, if you have not obtained your credit report in the past 12 months. Also, we give you other options to buying your credit report directly at the lowest costs we could find for you.
19.		Can you remove negative credit report items even though I owe the money?
		No, it is not our practice to assist clients in cheating lending institutes out of money you rightfully owe. Our service is to provide the best light to present your credit worthiness. If you do have an obligation, we can give you tips on how to preserve your credit, but the best policy is to pay off your obligations. This may require you contacting the lender and working out a special adjusted pay program to meet your obligations.
20.		How long does it take to fix my credit report / score?
		Helping you navigate through all the laws related to credit is part of the service we offer. According to the Federal Fair Credit Reporting Act (FCRA), a credit bureau is required to investigate and verify the completeness and accuracy of information contained within your credit report upon receiving a dispute. By law, the credit bureaus are allowed 30-45 days for this investigation. Upon completing their investigation, they either correct inaccurate information or remove the item(s) from your credit report if they cannot verify. This is an important process and those who elect to dispute all items within a credit report is not the method we suggest. It requires some expertise in determining which items to dispute and why. With that said, most people see significant changes in the second and third months after signing up with 1stCreditExperts.com and smaller corrections in future months with additional work on those more stubborn items to correct or remove. Our suggestion is to start today, it is never to soon to fix your credit report to show accurate information.
21.		Can 1stCreditExperts.com help with collection agency problems?
		Yes, we can help within legal limits. As a rule, Collections agencies only work directly with the person who established the debt and nobody else. Regardless of the validity of their claim, their only interest is getting you to pay their outstanding debt. However, if the source of the debt is invalid account, we can help with methods and tips on best way to settle collections. 1stCreditExperts.com can help you eliminate misleading and inaccurate history from your credit reports.