Sure, any consumer can dispute and item on their credit at no cost. Many consumers feel the process of disputing can be difficult, ineffective and/or a waste of time. If you are going to attempt to dispute items on your credit report, it would be best to be prepared and familiarize yourself with all of the federal and state laws. It is advisable to handle any and all disputes via the mail v. online so a consumer can maintain a complete paper trail of their dispute and subsequent results.
No, a credit score is a by-product that is calculated from the data reporting on your credit report at any given time.
We spend a great deal of time teaching our clients this. The short answer is there are many different scoring models (some real and some fake) and each of these models typically result in a different score which changes each time there is a change on your credit report.
This is a question we hear often. While paying off any debt you owe is a wonderful thing, in most cases, it will not make your credit score increase. Keep in mind that a credit score determines the risk of a FUTURE late payment so previous late payments (paid or not) will continue to drag down a credit score.
Unlike many companies, Cure My Score does not require our clients to be in our program for any period of time. Our program can be completed or canceled at any time.
This question is VERY difficult to answer. The more active our clients are in their credit, the better they do. Every action on a credit report has a reaction to a credit score; this is why it is so important to understand what actions to take. Our most successful clients participate 100% with our program and a lot the time fully regain control of their credit.
Cure My Score does not limit the amount of accounts we work on. All accounts that a client indicates are inaccurate, not theirs or outdated will be worked on.
We do not limit the type of accounts we work on. Any account that our client indicates as being inaccurate, not theirs or outdated can be worked on. These include current accounts, charge-offs, repossessions, foreclosures, short sales, collections, tax liens, judgments, late payments, inquiries and wrong identifiers (names, addresses, social security numbers and birthdates).
The short answer is not often. Since 2008, we have been helping our clients get corrections and deletions on accounts that they identify as inaccurate, not theirs or outdated.
We learned many years ago that credit scoring does not come with instructions. We often see consumers who attempted to improve their credit only to achieve lower credit scores. We teach our clients what unique actions they should take to improve their credit scores. In addition to teaching our clients how credit works, we assist with the credit repair on any accounts they feel are misleading, inaccurate, not theirs or outdated.
Not exactly. We are neither magiciansnor perform miracles. We simply know credit and what is needed to improve it. For those who are serious about taking control of their own credit, good things will follow.
Many of our clients are surprised by our answer. The answer is ZERO. While we have helped thousands of clients in their pursuit of higher credit scores, their scores don’t belong to us, they belong to them. We provide every resource we can to help each of our clients but success can only come from each individuals actions.
The answer is yes but not everyone. We only accept consumers into our program who are financially able to pay all of their current obligations (bills),are serious about their credit and willing to work hard to improve their credit. Our clients quickly understand that we are not responsible for their credit scores, they are. If this is you, give us a call and good things should follow.
Like it or not, we live in a world that uses credit scores. Credit scores focus on risk. The lower a credit score, the higher the risk of a future missed payment. The higher the risk of a future missed payment, the higher the interest rate to compensate for the additional risk (assuming you get approved at all). Higher interest rates equal less money to consumers and higher profits to the banks and insurance companies.
Cure My Score never charges a consumer until after we complete the agreed upon work. We charge $89 after we complete our first cycle of work and then $89 after for each monthly cycle of work we complete.
Cure My Score has always done its best to offer the most resources possible while keeping their billing affordable. There are plenty of companies to choose from so just be sure to understand what you are signing up for (always watch for fine print regarding the billing terms, items they will work on and their cancellation policy). It is a good idea to read past client reviews, from a number of sources as some sites get paid to only post good reviews, to get a sense of what you are signing up for.