1. WHAT IS THE PRICE?

The cost of not repairing your credit can have a devastating price attached to it. For example let's compare a $200,000 dollar, 30-year mortgage with Poor, Average and Excellent credit.

With Poor credit you can expect to pay $546,120 over thirty years with monthly payments of $1,517.

With Average credit you can expect to pay $ 450,000 over thirty years with monthly payments of $1,250.

With Good credit you can expect to pay $398,880 over thirty years with monthly payments of $1,108.

That's a difference well over a $140,000 dollars!

Don't you owe it to yourself to put that money into your own pocket?   You can do just that by restoring your credit! Even if you are not planning on making any major purchases, even simple credit card purchases with bad credit can have you paying well over $100 for a $20 shirt! Let's face it, in today's society, nearly everything revolves around having an excellent credit report and if you don't have it you are stuck paying the price!!

2. IS CREDIT RESTORATION LEGAL?

Yes. The FCRA (Fair Credit Reporting Act) was recently revised into the Fair and Accurate Credit Transactions Act (FACT Act), and the FDCPA (Fair Debts Collections Practices Act). These two acts were set up to protect your credit rights. It is these two specific acts that we are going to use to help restore your credit.

3. SHOULD YOU USE FORM LETTERS SENT OUT BY YOUR COMPANY?

NO. Credit bureaus are bombarded daily with such letters from credit companies.  Typically, they ignore form letters submitted on behalf of the client and will usually respond back with a computer generated form letter of there own, with no favorable results.

4. WHAT KIND OF RESULTS SHOULD YOU EXPECT TO SEE?

While no company can guarantee you a certain credit score or even an increase in such a number, here at www.Scrubyourcredit.com we strive towards getting those big jumps in credit scores. Some of our clients have seen increases of over 300 points within a 90-day time frame.  Now, even though those results are not typical, with your help and our knowledge we can form a precise strategy to ensure that we did our best to help you see close to, at or above such results.  Of course if your credit is already a 600+ it will be hard for us to get you over 850 within 90 days.

5. WHAT ITEMS CAN YOU LEGALLY HAVE REMOVED?

Successfully, we had the following items removed from our clients credit reports from all three credit reporting agencies: late payments, judgments/liens, collections, repossessions, charge-offs, foreclosures, bankruptcies, identity theft/fraud, inquiries and incorrect personal information. We have also had incorrect information removed from: Tele Check, Check Systems and Scan.

6. WHAT ITEMS CAN BE DISPUTED?

We will dispute any and all items that you feel are inaccurate, untimely, misleading or questionable.

7. WHY DON'T YOU JUST DO IT FOR YOURSELF?

Even though it is sometimes easy to dispute items on your credit report, many individuals can give up hope before they ever see any true results. Also, many individuals simply will not take the time to research laws and statutes regarding consumer protection in order to formulate a strategic plan of attack. They become discouraged or even frustrated in trying to maneuver and understand such confusing laws.

8. DO YOU DISPUTE ITEMS ON MY CREDIT REPORT JUST LIKE OTHER COMPANIES DO?

No. The majority of "Credit Repair" companies are set up to only send out form letters and provide their customer with an unlimited amount of disputes for a monthly price. This is ineffective and the three credit bureaus have caught onto them.

www.ScrubYourcredit.com uses proprietary information that has been developed for our exclusive use. Our letters are copy- written and we employ time sensitive techniques not familiar to other companies. We also have many different techniques and legal approaches that translate into success.

9. HOW LONG BEFORE I SEE RESULTS?

Response from the three-credit bureaus can usually take 30-45 days. Occasionally, there are really hard trade lines that may take longer that require us to go directly through the credit reporting agencies to the credit institution that placed the negative item on your report.

10. HOW WILL I KNOW IF THERE ARE RESULTS?

We demand written confirmation of the deletion and a copy is sent to you.