FAQ

/FAQ
FAQ 2019-07-01T02:54:25+00:00

How long before I see results?

It’s a pretty normal question to ask: how long is this going to take? The honest answer is that it depends — on your goals, your situation and how much work you need done. AAA Credit Today, looks at you as an individual and build your own personal Game Plan accordingly. Your Game Plan focuses on the areas that will make the most impact– and helps the AAA Credit Today experts get to work quickly to make sure your creditors are being responsible regarding the information they’re reporting about you.

What if all my negative items are accurate?

As you’re looking over your credit situation, a question pops up: what if most or even all of my negative items are accurate? Will credit repair still work for me? Well, there are more opportunities for change and growth than you might think. Here’s why. Creditors sell very critical information about you every day. It’s information that can affect almost everything in your life, from your car payment to your house to your job. So, it’s important to make sure that that information is as substantiated, timely, accurate and fair to you as absolutely possible. A lot goes into these definitions. This is where the AAA Credit Today experts come in. It’s their job to help you assess the items on your credit report and then intervene with your creditors to help uphold these standards regarding the information they report about you to the bureaus. So, see what the process can do for you. It might surprise you how much is possible.

Is credit repair worth it? Why?

To know whether credit repair is worth it, you just have to look at what your credit impacts. These days, it seems like it’s just about everything. When you start realizing how far it goes, it’s easy to do a little math. Not having ideal credit can cost you thousands and thousands of dollars over the course of a home or car loan. It can keep you from getting insurance coverage or even a job. It can make even everyday needs and decisions more difficult. When you compare this to the confidence and assurance of feeling in control of your credit situation and the opportunities that brings, the value of credit repair can seem pretty priceless. Luckily, having the experts at AAA Credit Today working to help you tackle your credit issues costs only $150.00 a month. It’s a pretty great value that may impact a lot of the things you value most. Learn More.

What is the Fair Credit Reporting Act and why was it created?

The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act. The FCRA provides additional measures of consumer protection in the areas of fairness, accuracy, and privacy of the information collected by the credit bureaus. It also allows you to personally engage in credit repair and maintenance processes, verifying that the information in your credit report is correct.

How can my bad credit be repaired legally?

Because you are ultimately responsible for ensuring that your credit report is accurate, laws were enacted — specifically the Fair Credit Reporting Act (FCRA) to assist you. The FCRA gives you the right to contact the credit bureaus directly to dispute items on your credit reports. You can dispute any and all items that are inaccurate, untimely, misleading, biased, incomplete or unverifiable. Any item that cannot be verified on your credit report must be deleted. Goodwill Creditor Interventions may also be used to address an item on your credit report directly with your creditor. Also, the Fair and Accurate Credit Transactions Act (FACTA) of 2003 may be utilized primarily in situations where identity theft is concerned. Thousands of people have legally and successfully restored their credit and increased their credit score simply by enforcing their own legal rights. This type of process can be done individually if you have the time, and of course the patience, for the learning curve involved.

What items can be removed?

A better question would most likely be “what item cannot be removed”. We can remove everything you can imagine. Here is a list of some:
  • Late Payments
  • Charge Offs
  • Foreclosures
  • Judgments
  • Repossessions
  • Personal Identification changed or corrected
  • Closed Accounts
  • Bankruptcies
  • Negative Settlements
  • Liens
  • Collection
 

How will I know it works?

Easy! Every time you receive updated credit reports throughout your service you will see items that have been changed, updated, or removed. If an item is changed or updated, it generally means that a positive improvement with that account (such as a late history) has been made. If an account was removed all together from your credit report, it means that a negative items has been removed from your credit. Usually these items are collections, charge offs, foreclosures, etc. We’ll also point out important progress made within your online portal which you’ll have online access to.

How much can I expect my score to go up?

It all depends. There are no two credit reports that are exactly the same. This means that improvements we make on one person’s credit may or may not improve the score as much as another’s. The “average”, we’ve found, never applies. We’ve seen scores go up 200+ points, and others just get the 20 point boost they needed to qualify for their home loan. Everyone’s results will vary, but, you can be certain we will get you the best results possible. And with our “unbeatable satisfaction guarantee®” you have nothing to lose.

How long does it take to repair my credit?

Each situation is unique and so is the timeframe required to repair your credit. The majority of our customers see results within the first 45-60 days. AAA Credit Today works on your credit on a month by month basis until you are satisfied with the improvement in your credit. Our goal is to improve both your credit report and credit score continuously each month. With that said, keep in mind that no company can promise any specific outcome simply because there are several third parties involved (e.g. Equifax, Transunion, Experian, your creditors, etc.) and no one can predict how they will respond.

I just signed up, what happens now?

  • You’ll receive a welcome email from AAA Credit Today.
  • We’ll provide you with a special secure online account so you can keep track of our progress on your credit repair
  • You’ll see your credit reports and starting credit scores from all three credit bureaus (reporting agencies)
  • You’ll start seeing credit improvements in less than 60 days
  • Your credit report and score improvements will progress throughout the duration of your service (you’ll watch it all happen through your online account).
  • At the end, you will visibly see your credit report, turn into a better credit report. AAA Credit Today will also give you a future plan to help you maintain your improved credit and show you how to continuously raise your credit score.
 

Can I repair my own credit?

Yes. You have the legal right to work out your credit disputes with the credit agencies and credit grantors yourself. Given experience and study, you could do much of what our staff does. It is similar to your right as a citizen to represent yourself in court. When making the decision to repair your own credit reports or enlist the assistance of a professional credit repair company such as AAA Credit Today, it may be helpful to consider the amount of time that may be required to effectively repair your credit. In our experience, a typical consumer simply does not have the time to research and experiment with credit disputing methods in order to find the best course of action for their individual credit situation. Our extensive experience means you will see the highest possible return on your time and money as our efforts on your behalf will only utilize credit improvement strategies which have proven to be effective.
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