CEO and Credit Repair Specialist, Barbara Garcia has been in the credit repair industry since 2008. Her years of experience and dedication to helping you rebuild your credit will help propel you to your credit repair goals. Call or email today to setup your free consultation.
Xtra-Credit Is Proud To Serve You As
100% Compliant With The Federal Trade Commission
Free 24/7 Access
Unlimited Creditor Disputes
Unlimited Bureau Disputes
Frequently Asked Questions
What Is Credit Repair?
Credit repair is a service provided under the CROA that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated, or unverifiable. Any credit repair agency that claims to be able to remove ANY item other than those identified above is in violation of the Credit Repair Organizations Act (CROA).
What Items Can Be Removed
This is a tricky question. For one, we can’t tell you upfront that ANY item can or will be removed from our clients’ credit reports. Again, like all legally compliant credit repair agencies, we can only remove items that show to be inaccurate, outdated, or unverifiable. However, MANY items on most people’s reports could fall into one of those categories.
How Long Does This Service Take?
We provide all our clients with an estimated time frame for service. In general, clients are usually with us from 3 to 6 months. However, this is not saying all items will be removed in that time frame or that all items will be removed at all. This is just the usual time frame people choose to stay in our program. Since we do not charge deletion fees until we achieve results, we work to achieve those results as fast as possible.
Why Do I Have To Prove My Identity?
The simple answer is because the credit bureaus say so. Unfortunately, there is wording in the law to require you to give them information. If you don’t supply the proof of your identity and address, the bureaus will simply ignore your dispute and you will get nowhere. Below is a list of what can be used as proofs. You must send at least two of the following:Driver’s License Utility Bill Pay Stub with Social Security number W2 Form Lease Agreement Bank Statement Cancelled Check
How Much Will My Score Go Up?
As much as we would like to, there is simply no way to know the answer to this question. There are far too many factors involved in the credit scoring model; the biggest variable being the “human factor”. We don’t know what you are going to do during this process. You might get new latest, max out credit cards, get new credit, get new collections, get a judgment placed against you, or one of hundreds of other things that would change the outcome of your service. REMEMBER! Xtra-Credit is hired only to help remove items from your report that you wish for us to work on, the score change is simply a byproduct of our service.
Will I Get Approved for my house, car, funding, etc.?
We must make it very clear, Xtra-Credit does not give any type of loans or financing. Therefore, we can not tell you if you will be approved for any of those things. Many people come to us with very poor credit and hope to be approved for loans or funding programs with very strict financing guidelines. Remember from above, if we can’t promise you ANY item is going to be removed from your report, how could we possibly assure you that you will be approved for a loan after working with our program? We are here to help and we help hundreds of people, but please do not expect miracles.
Why do I have to have a monitoring account?
Credit repair is kind of like getting your car fixed… The mechanic is going to need to see under the hood. You keeping a monitoring service is our way of looking under your proverbial credit “hood”. It allows us to see exactly what needs to be done and check up on the bureaus and creditors. When they say something has been changed, we want to make sure it is REALLY changed.Keeping a monitoring service is a requirement of our service. As per our Terms of Service, failure to keep an active monitoring account could result in a $100 cancellation fee.
Why Don't My Scores Match?
Many people are confused by the online services that offer credit scores. People obviously assume that their credit score is the same at all these sites. This simply is not the case. Each site uses their own scoring model which could be a little (or a lot) different than the next.
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