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FAQ

If you have a question, we want to know and a Credit Heroes consumer advocate is waiting to help. Below are some of the most frequently asked questions. If you can't find the answer that you’re looking for contact us and send us your question or you can simply give us a call. We are easy to talk to!


Q. Is this an automated dispute service?

Q. Is it necessary for me to order my own credit reports directly?

Q. When I request my reports, will it hurt my credit scores?

Q. How do I choose a credit repair company that is honest?

Q. Do you offer a guarantee?

Q. Can any item be repaired, verified or removed from my credit report?

Q. Is this legal?

Q. Can Credit Heroes help me build NEW credit?

Q. How long does this process take?

Q. Once an inaccurate reporting is deleted, can it reappear at a later date?

Q. Do you share personal information with anyone?

Q. Why should I choose the Hero for life credit repair option?



Is this an automated dispute service?

No. Our customers get personalized service and the full benefit of a dedicated Credit Heroes consumer advocate. Automated dispute services use templates and canned messages to correspond with the credit bureaus. This computerized approach leaves the majority of credit improvement untouched and reduces the effectiveness of the verification process. Your Credit Heroes agent will provide comprehensive, hands on interaction which will provide the quickest and most effective results possible.



Is it necessary for me to order my own credit reports directly?

Credit repair organizations cannot order credit reports for their customers. The Fair Credit Reporting Act (Section 604) prohibits the credit bureaus from furnishing credit reports to third parties for any reasons outside of the FCRA definition of "permissible purposes" which include determination of credit worthiness, underwriting of insurance, and employment screening. When you sign up we will provide you with simple instructions on how to obtain your credit reports and scores at no charge to you.


When I request my reports, will it hurt my credit scores?

No. When a consumer orders their own credit report it does not effect their score. Credit reporting agencies use two types of inquiries, "hard" and "soft". When you apply for new credit, a hard inquiry is shown on your credit report and will affect your score. A soft inquiry happens when 1) a consumer requests their own credit report, 2) potential lenders check credit prior to offering you pre-approved loans or credit, and 3) a current lender conducts a periodic review of an existing account.


How do I choose a credit repair company that is honest?

Call the companies you are considering and ask questions. Try to get a feel for how they are treating you as a potential customer. Are they listening to your situation or are they trying to sell you their services?  Do they have a GUARANTEE they are willing to put in writing?  Is the company a registered Credit Service Organization?  We ask that you please do your homework. 90% of Credit Repair companies are ‘fly by night’ companies.  There are a few of us out there that are truly working for you and do things by the book.


Do you offer a guarantee?

Yes, Credit Heroes offers a full money back GUARANTEE in writing. If we don’t get you results we will refund your money. No one in our industry can predict a specific outcome, but we can assure you that we will put forth a “super human effort” in order to maximize the likelihood of impressive results. We can offer this assurance because so far 100% of our customers have seen improvements in their score. It is also required by all legitimate credit repair organizations to offer a money back policy. Our guarantee gives you peace of mind which means you can get started today with complete confidence.


Can any item be repaired, verified or removed from my credit report?

Yes. Please remember that we are humans working against an unfair system. Although, we have been able to take care of it all; Bankruptcies, Repossessions, Charge-Offs and much more.  The more significant the debt, the longer it may take to have it verified and removed however we give our due diligence to have all questionable accounts albeit small or large removed as quickly as possible.


Is this legal?

Absolutely. We are registered with the State of Texas. There is a fine line to walk in this business and we try with the utmost understanding to walk on the right side of that line. We are actually utilizing the law that has been written to protect ‘you’ the consumer from illegal activity by financial institutions and credit reporting agencies.


Can Credit Heroes help me build NEW credit?

Yes. We guide you through the steps to establish new positive credit lines and help maximize the position of your existing accounts. These are two of the best methods of rebuilding credit and improving your credit scores.  If you are unable to open an unsecured account, a secured credit card requires a small savings deposit which usually secures the entire credit line on a MasterCard or Visa. 


How long does this process take?

Once we have your file opened and ready to go, we will have your credit improvement package out the following day.  Most see dramatic results during the first 45 days, and longer for the more difficult accounts. It really depends on your individual situation.  After a brief credit consultation your Credit Heroes consumer advocate will be able to give you a good idea how long the process should take for your credit improvement.


Once an inaccurate reporting is deleted, can it reappear at a later date?

Not Likely. We have never had a customer call to let us know that inaccurate information has shown back up on their credit report.  Please remember, we are correcting the information being reported to the credit bureaus.  The debt still remains, but the goal is to correct it’s filing on your credit report and ensure legal compliance of each listing.


Do you share personal information with anyone?

No. We do not share your information with anyone. You may see our Privacy Policy for additional details.


Why should I choose the Hero for life credit repair option?

This is the best value for your complete credit repair and health.  This option begins the process of credit repair, debt reduction, and credit education -second to none.   We don’t stop working your file until all the information has been verified or removed.  The Hero for Life program also covers any new accounts that appear during the first 6 months of service.  This all-inclusive program is sure to bring you the highest standard for swift and comprehensive results, without the drawback of endless monthly fees.

 

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