Is Credit Training legal?

FREQUENTLY ASKED QUESTIONS

QUESTION: How long before I see results?

• It's a pretty normal question to ask: The honest answer is that it depends -- on your goals, and the plan selected...However most of our clients see results within the first 30-45 days. That's actually one of the best parts of choosing Credit Miracles.

We look at your individual situation and build your own personal Game Plan accordingly. Your Game Plan focuses on the areas that will make the most impact. We at Credit Miracles get to work quickly to make sure your creditors are being responsible regarding the information they're reporting about you.

QUESTION: What if all my negative items are accurate?

• As you're looking over your credit situation, a question pops up: what if most or even all of my negative items are accurate? Will credit repair still work for me? Looking at your credit report itself you may not be able to locate the errors found, but we specialize in finding those errors by analyzing all 3 credit bureaus at a time. One thing is Creditors sell very critical information about you every day. It's information that can affect almost everything in your life, from your car payment to your house to your job. So, it's important to make sure that that information is as substantiated, timely, accurate and fair to you as absolutely possible. A lot goes into these definitions. This is where the Credit Miracles as experts come in. So, see what the process can do for you. We’ve surprised many with how much it is possible.

QUESTION: Is credit repair worth it? Why?

• To know whether credit repair is worth it, you just have to look at what your credit account is made of. Also, how credit impacts your every day life and these days it seems like credit is EVERYTHING! 

When you start realizing how far it goes, and how much money you can save just making this small investment you’ll be amazed.
Not having ideal credit can cost you thousands and thousands of dollars over the course of a home or car loan. It can keep you from getting insurance coverage or even a job. It can make even everyday needs and decisions more difficult.

QUESTION: Where are your offices located, do you have an office in my area?

• We are based in Montgomery, Al currently our experts work from home, but as we begin to expand locations will be built.

However, our advisors are available by phone at 800-544-2247 or email at MiraclesCredit@gmail.com enabling us to help clients without having to have an office in your area.

QUESTION: What are the hours I can speak with an Advisor?

• Sometimes you just want to talk to somebody – to ask questions, get encouragement or understand the process better. And we’re here to talk to you, during the following hours:

Call 1-800-544-2247
M-F   9AM to 11p CST 
Sat   APPOINTMENT ONLY
Sun   CLOSED
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QUESTION: How long does it take to fix bad credit?

• There is no fast and easy answer to this question. The time it takes to repair your credit is completely dependent upon your personal situation. The game plan created and plan selected is designed for you to complete the program within 90-180 days. We work with you, but we also need you to work with us.

QUESTION: Can I repair my credit on my own?

• Yes, you can. There is technically nothing a credit repair agency can do that you can’t do yourself. However, you need to be willing to put in the work and educate yourself about credit law. In fact, you can find DIY kits and other resources like books online that will give you the tools necessary to begin yourself.
• Keep in mind, however, that it is a lot of work contacting agencies and creditors. The process of trying to work out settlements and verify information can be daunting. For this reason, many people choose to have credit repair company to do this work on their behalf. Not only are they diligent in their work, they also know the ins-and-outs of credit repair better than anyone.

QUESTION: What is included in the free consultation?

• Your free consultation is provided to explain the services we offer, what affects your credit either positively or negatively, and how your credit score is determined.  This is also a great opportunity to ask questions.  If you choose not to use our services after your free consultation you are not liable for any charges.

QUESTION:How does credit repair actually work?

• Credit Repair is actually the process of removing inaccurate, unfounded, out of date, false, and erroneous information from your credit report.  Your credit report dictates your credit score.  The 3 major credit bureaus collect information from lenders, creditors, and debt collectors and apply it to your credit report.  Based on that information, your credit score is determined.  This information could include the balances on loans or credit cards, credit inquiries, debt to income ratio, and most importantly, credit utilization (the percentage of debt you have to available credit)

QUESTION: Is my information secure?

• Yes, we adhere to a very strict privacy policy that protects all of your valuable information.  All client information is protected on a secure server and backed up routinely. To ensure documents are not compromised, we shred all paper documents after saving them in our database.  We use secure computer terminals as well as an encrypted database. Every Fresh Start employee is trained to properly verify customer information and never to disclose this information to unauthorized parties.  Please review our privacy policy for further information.

 QUESTION: Am I locked into a contract?

• Though you do sign a customer contract, they do not have mandatory service terms.  We strictly provide a monthly service that you may cancel at anytime. Please remember, we only bill on 1st or either the 15th of every month for the work that has been completed the month prior.

 Just like a utility provider, you are liable for your final months payment after cancelling our service.  

QUESTION: How can I get a copy of my credit report?

• We recommend 3rd party credit monitoring sites. We prefer Identity IQ, but there are others that are also good sites. We do not recommend sites that provide credit reports for free because they typically do not include all 3 credit bureaus.

QUESTION: Why do I need reports from all 3 credit bureaus?

• Each credit bureau has access to different information. As a result, different information creates different scores. The advantage of a 3-bureau report is readily identifying discrepancies: just because you don’t have a collection on one report doesn’t mean it doesn’t exist if another bureau is reporting that collection.

QUESTION: If you remove an item from my credit report, does it eliminate the debt?

• No, but if it is past the statute of limitations for the creditor to file a lawsuit it will be much harder for them to try to collect it from you.

QUESTION: If I pay a collection, does it automatically get removed from my credit report?

• NO! One of the biggest misconceptions among customers is that paying a collection will cause the score to go up. This is not true. In fact, your score is likely to go down.

QUESTION:When is the best time to start your service?

• That answer really depends on your personal goals. Whatever your personal credit and financial goals are, it’s important to remember that credit repair is not an overnight “quick-fix” and takes time. Many people can start to see an increase in their score in as little as 30 days but the process of going from bad credit to good credit typically takes much longer. Your score didn’t get bad overnight and it doesn’t improve that way either.

QUESTION: Who is a good candidate for your program?

• Credit repair works best for people that have already come out of their personal recession. Are you able to afford your existing bills and lifestyle but are being held back from getting good (or any) financing on a new car, home, or loan? If so, we want to talk to you.

QUESTION:Can you stop creditors from calling me?

• Yes, We can help send a Cease and Desist to ask them not to call anymore.

GET STARTED NOW!