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| OUR
SERVICE |
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Why
use a professional service?
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This
is not a do-it-yourself service like those found on the Internet; it is
a high-quality, professional, and personalized credit education service
for consumers. Just as many Americans choose to go to a tax professional
to have their taxes done to ensure they receive the maximum refund available,
the same can be said about credit repair. Any consumer can choose to do
their own credit repair if they have the time, patience, and resources
to aggressively work with the CRAs to remove inaccuracies; however, many
choose to employ the services of American Credit.
You pay one price, and will enjoy the peace-of-mind of a money-back guarantee
if no inaccurate, erroneous or outdated information is corrected or removed
on your credit reports after completing the service.
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How
Does American Credit Service Work?
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Customer
Completes Customer Enrollment form:
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To begin the process, customers
must provide Social Security Verification (as required by credit reporting
agencies) and address verification. (see Customer application for acceptable
forms of verification). Customer reviews customer enrollment form and
signs in all the appropriate places including the contract and terms &
conditions.
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| CreditExpress
Service - We provide Credit Reports Instantly |
Once
the application and all proper information are received at the processing
center, and the cancellation period has been expired the customers' credit
reports are pulled allowing us to begin the service within 24-48 hours
of receipt. As part of the credit restoration service, we obtain all three
credit reports from the credit reporting agencies.
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| Our
team of professionals work for you |
Our
team of professionals will conduct a thorough review process of all items
on the client's credit reports that negatively affect their credit report's
and credit score. After performing a thorough review, our team processes
and delivers a personalized professional dispute packet for the customer.
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| We
couldn't do it without you . . . |
Based
on the review process of the client's credit reports, professional, customized,
and personalized dispute documents are prepared and sent to the client
for review and approval. The customer then may modify or provide further
documentation to help dispute individual items on their credit reports.
Clients will receive dispute documents every 60 days during the service
to ensure optimal results.
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| Credit
Reporting Agencies Must Respond |
Dispute
documents are then sent by the client to the credit-reporting agencies.
The law states that agencies have a reasonable amount of time, usually
30 days, to respond to a dispute.
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| How
are we different? |
We provide
the industry's first proactive and interactive customer service. In short,
we update customers on their service with progress reports so they know
exactly what's going on with their service and account.
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| 10-45-60
Interactive Customer Service |
Three
very important numbers.
10 - Ten days after the customer's dispute documents are sent from the
processing center, they will receive a welcome letter from our processing
center.
45 - Every 45 days customers will receive progress reports that will update
them on their progress.
60 - Every 60 days customers will receive a new set of updated dispute
documents to review and send to the credit reporting agencies.
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| 24/7
Progress Reports |
As part
of the customers' service, clients receive regular progress reports detailing
the progress on their credit reports, showing any deletions, additions
or alterations. Customers also have exclusive access to our 24/7 progress
reports to monitor progress on their credit reports, seven days a week,
24 hours a day.
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