FAQs

Q?

How can Credit be Legally Repaired?

A.

It is your right and responsibility to assure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.
The most popular method for restoring bad credit is the credit bureau dispute. Because of the Fair Credit Reporting Act, you have the right to dispute and delete any items on your credit report that you feel are inaccurate, untimely, misleading, biased, incomplete or unverified.
When you dispute a questionable negative credit item with the credit bureaus, you are demanding that they perform an investigation to determine whether or not the item should be listed on your credit reports.
If the credit bureau cannot verify the accuracy of the item, then they are required to correct the listing or completely delete it from your credit report.
Another facet of credit repair is to work with your creditors to remove the negative items from your credit reports. Your creditors have the ability to delete negative items from your credit reports at any time. With more cooperative creditors, sometimes all it takes is to ask the creditor to adjust or delete a negative credit listing. In situations where this non-confrontational approach is not sufficient, the various consumer protection acts provide you with tools for forcing creditors and collections agencies to prove the accuracy of the reported accounts.
By using some or all of their legal rights to fair and accurate credit reporting, thousands of people have legally and successfully restored their credit and increased their credit score.

Q?

How Does IMCA USA Help Repair Bad Credit?

A.

Improve My Credit USA helps clients take on their credit by disputing the inaccurate, untimely, misleading, biased, incomplete or unverifiable negative items from their credit reports.
Our service uses targeted disputes based upon the Fair Credit Reporting Act in an effort to delete the questionable negative information from your credit reports while incorporating strategies based on other consumer protection statutes. These statutes include the Federal Fair Credit Billing Act which gives you the right to request extensive information regarding billing and account history, the Truth in Lending Act which stipulates conditions for establishing credit accounts, and the Fair Debt Collection Practices Act which defines your rights regarding accounts that have passed into collection status.
By utilizing online credit report providing companies such as mycreditkeeper.com we are able to significantly increase the speed of getting started. This ability allows us to directly download your credit reports into our software and save you valuable time and effort in providing the information to us via mail; making the whole process quick and easy. Once your reports are uploaded and the credit analysis has been performed, Improve My Credit USA will prepare the appropriate intervention or dispute letters. These letters are designed to communicate your dispute in such a way as to spur the credit bureaus to conduct an investigation.
At the conclusion of the credit bureau's investigation, a new copy of your credit report should be sent to your home along with any deletions or improvements if any were made. Each month we will update your reports in our software and continue our hard work at verifying the information that is negatively impacting your score.
In order for a credit bureau to keep a disputed credit listing on your report, they must have evidence that it is accurate, timely and verifiable. If the credit listing is only somewhat inaccurate, the credit bureau may simply change the item to reflect the accurate status. Very often, though, disputed credit items cannot be verified because the creditor no longer possesses the information or does not wish to go to the trouble of verifying it. In these cases, the listing should be removed. Additionally, the credit bureau reinvestigation must be completed within 30 days. Frequently the credit bureaus do not always meet this deadline and the listing must be removed. However, be aware that in these instances, once the bureau finds evidence of the listing, the item may eventually re-appear on your credit report.
For these reasons, properly disputed questionable credit listings have been removed with remarkable frequency.

Q?

How Long Does Credit Repair Take?

A.

It is inappropriate for Improve My Credit USA or any other Credit Service Organization to promise a particular result or a certain time frame. We can no more promise a certain outcome for your credit score any more than we could promise a client that he or she would prevail in a court of law.
We can, however, give you an idea as to how our clients have performed in the past. As is true in all legal matters, no two cases are the same and your experience may differ.
Many clients who opt to use the recommended online services to provide us immediate access to their credit reports have seen exhilarating progress within the first 45 days. Since the credit bureaus have 30 days to respond to disputes, we typically inform our clients that they can expect changes roughly every 30-45 days. However, the progress of your case will depend on your particular situation, the nature of your case, and the level of credit bureau cooperation.
It is important to remember that we cannot promise a particular result within a certain time frame since every case and credit report is different. Our promise is to provide you fast, effective, knowledgeable assistance in addressing your issues.

Q?

Can I pay more to do even more?

A.

Improve My Credit USA has one standard price for our premier service. Unlike some agencies that offers various pricing for various levels of credit repair, we believe that every client deserves the best efforts to get them to their intended goal.
We do not provide a lesser service for those who are unable to afford a higher price. Every Improve My Credit USA client will receive our maximum efforts and that is our passionate promise!

Q?

Is it possible for deleted items to reappear?

A.

On occasion, a negative listing that was recently deleted may eventually be verified by the creditor. The Fair Credit Reporting Act (FCRA) requires that the credit bureau inform you before they re-report a previously deleted listing. The FCRA also makes it more difficult for credit bureaus to re-report listings. Because of these factors, it is fairly rare for listings to come back on once they've been deleted.
With Improve My Credit USA, should a questionable credit item be verified at a later point in time, we will help you challenge the listing again if there is legitimate grounds to do so, at no additional charge! That's how our deletion warranty works.

Q?

Do I need to pay my bills?

A.

A common misunderstanding regarding the negative items that appear on your reports is the idea that deletion of the item will resolve the problem. It is important to understand that the bureaus are only the repository for the reporting information. If a negative item is removed due to inaccuracies in the reporting the actual debt still remains and the original creditor still has the ability to pursue legal action in the collection of that debt with regard to the states limitations on that legal action. If you fail to address the debt, the removal of a negative item is only a short term solution rather than a long term fix.
At Improve My Credit USA, we will only dispute items on your credit report that you believe to be less than 100% accurate and 100% verifiable. If you feel the items is 100% accurate and 100% verifiable we will advise you to leave the item alone.
You should also be aware that paying a collection account that is over two years old can possibly lower your credit scores. Since eighty percent of your scores are derived from the last twenty four months of activity, a payment on an old collection account that is then updated as recent activity can potentially lower your scores.
For this reason, it is best advised to arrange with the agency in advance of payment to have the item deleted from your credit once payment has been made. This is commonly referred to as "pay for deletion." While many collection agencies may indicate that this is not a possibility, a firm stance can get you he desired outcome. ALWAYS consult with a credit specialist BEFORE paying off old collection accounts.

Q?

Does paying my bills restore my credit?

A.

The short answer is yes AND no. Making consistent payments on current accounts will definitely help your credit scores over time. However, on old collection accounts, this simply isn’t the case. The credit reporting system can actually work against you in this situation.
First, paying off an old debt will still leave the item on your reports. So, if your goal was to improve your credit scores by making the payment, you will fail to achieve that goal. The item will simply show as a paid delinquency, charge off or collection depending on what type of account it was previously listed as.
Second, if the account was more than twenty four months old, paying it off may actually harm your scores. Always consult with a credit specialist BEFORE paying off old collection accounts.
It’s important that you have a clear plan of action towards attaining your goals. A complimentary credit analysis is performed for each person who calls. There’s no risk and at the end you will have a much better understanding of what needs to be done to improve your credit profile

Q?

Do I need to see my credit reports first?

A.

A common misunderstanding regarding the negative items that appear on your reports is the idea that deletion of the item will resolve the problem. It is important to understand that the bureaus are only the repository for the reporting information. If a negative item is removed due to inaccuracies in the reporting the actual debt still remains and the original creditor still has the ability to pursue legal action in the collection of that debt with regard to the states limitations on that legal action. If you fail to address the debt, the removal of a negative item is only a short term solution rather than a long term fix.
At Improve My Credit USA, we will only dispute items on your credit report that you believe to be less than 100% accurate and 100% verifiable. If you feel the items is 100% accurate and 100% verifiable we will advise you to leave the item alone.
You should also be aware that paying a collection account that is over two years old can possibly lower your credit scores. Since eighty percent of your scores are derived from the last twenty four months of activity, a payment on an old collection account that is then updated as recent activity can potentially lower your scores.

For this reason, it is best advised to arrange with the agency in advance of payment to have the item deleted from your credit once payment has been made. This is commonly referred to as "pay for deletion." While many collection agencies may indicate that this is not a possibility, a firm stance can get you he desired outcome. ALWAYS consult with a credit specialist BEFORE paying off old collection accounts.

Q?

Do You Guarantee your credit repair service?

A.

You may wonder if we guarantee results. You may have even been promised a specific score increase by another company. While no one in the credit restoration industry can legally predict or promise a specific outcome, we do promise to do everything possible to maximize the probability of outstanding results.

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We would also like to encourage you to review the comments of our customers and trusted referral partners. You can rest assured in their honest review of our efforts.

Q?

Can I repair my own credit?

A.

The immediate and short answer is YES! You most certainly have the right to request verification for anything reporting on your credit file that you believe to be inaccurate or unverifiable with both the credit bureaus and original creditor. There are numerous great resources to gain the knowledge and skills available for free or for minimal cost to you on the internet today. In fact, we offer a free resource on our home page.
In our experience, however, many choose to ask Improve My Credit USA to work on their behalf for two reasons. #1. The dispute process is time consuming. #2. The effort to garner the wealth of knowledge and experience that Improve My Credit USA has at its disposal is a daunting task that most do not wish to afford the time to do.
Often, the consumer simply feels that the lack the time to research, experiment, and to learn the best credit disputing methods in order to produce the optimum outcomes or even the best plan of action in moving forward in working on their unique credit situation. In contrast, Improve My Credit USA has the knowledge already at hand to perform the service on your behalf. We recommend reviewing our numerous accolades from our previous clientele which demonstrates that you will see the highest possible return on the investment of your hard earned money.
Also consider the amount of time and follow-up required to coordinate disputes with all three credit reporting agencies and the creditors appearing on your credit report. When you begin the credit disputing process, you are initiating a dialogue with these entities. This dialogue requires you to properly respond to credit bureau and creditor communications in order to keep the credit repair process moving. To manage this process for our clients, Improve My Credit USA has systemized the credit repair process in order to make it easy, fast, and effective!
If you are the do-it-yourself type, we recommend the usage of our IMC USA Assist package that has 15+ professionally developed dispute responses and instructions that will save you hours of research and get you past the basics of the process.

Q?

When Can I Get Updates on my Credit?

A.

You are able to review your file with us 24/7 via your own back office account which is created when you are accepted into our program. Here you are able to view specific accounts and our progress on them. You are able to post questions and receive answers from our support staff.
Here's an example of what your back office account looks like:
Additionally, as we work to improve your credit, the credit bureaus will send updated copies of your credit reports directly to your home. So, when you have items removed or improved, you will see them first on your subsequent credit report. You will also receive regular updates from us via e-mail on the progress of your disputes.
Finally, if you are using one of our recommended credit report monitoring sites (MyCreditKeeper.com), you will be able to view your credit at any time.
If you still have questions that were not answered by our question page, please do not hesitate to call us, to use our online chat support, or to send us an e-mail. A credit consultant is readily available to answer your questions.