Frequently Asked Questions

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 We can help you achieve a better credit rating by teaching our consumers about how to use credit and maintain it while working on the inaccurate information on your credit report.  

 Usually you won’t see much results in the first 30 days, but 60 days in is when you really start seeing the benefits of the program. At that time things have already been addressed twice depending on how much work the client wants us to do at any time. 

 It’s within your right to dispute things on your report if you feel they’re put there in error. However, when this is done, you have to be careful to not disrupt what’s on the report because you may damage your report if you don’t take the proper precautions. 

 We are not here to take away from you, so we offer a full service account for $129.95 Setup fee and $109.95 a month, but we have tons of discount programs to fit every budget. That takes care of everything that we can do for you when it comes to your credit. And remember, we have no contracts and you cancel anytime. So you will have no further obligation when you cancel besides a possible prorated final payment. 

 Legally, the bureaus have 30 days to send you a response in the mail of what the outcome is or they don’t respond and delete it. You could also see results in as little as 1-2 weeks. It all depends on how and when they respond within that time frame. 

 CCP operates under CROA (Credit Repair Organizations Act) and has a combined experience of 11 years in the industry perfecting and innovating the way credit restoration should be done by educating the client about credit while providing an affordable service with the fastest results in the business within the law. 

 Yes, this service is not be confused with credit counseling or debt consolidation which in some cases requires you to hold off on paying your bills by having the creditor think you’re not able to make payments on your regular bills. 

By having a professional consultant use the laws that were put in place by the Federal Trade Commission to keep credit restoration companies in compliance with the laws to prevent any predatory credit repair companies from taking advantage of the consumer in need of real help. 

Having a negative credit score can affect you in applying for specific types of financing, may prevent you from obtaining employment, and can also create higher premiums in your insurance. Having a healthy score allows you to save hundreds of thousands of dollars over your lifetime by paying less on loans and other forms of credit related items.

We may be able to send out certain documents to the collection agencies. Depending on what the specific situation is, we may come to a resolution on the  account to  resolve and/or finding out if the collection is  even owed in some cases.

​It’s absolutely within your own right to correct any information on your own as well as building credit to achieve a much higher credit score, but use caution if you do decide to dispute items on your own, Often times if not left to a professional, one may hurt their own credit if they don’t take the proper procedures in repairing one’s credit.