The Bureaus have 30 days to respond to any dispute request made, you should see initial responses within 30 days up to 45 days.

Each individual credit situation and needs are unique per client. A set time frame can be estimated at 60-145 days. Credit Repair should not typically last longer than this time frame. Most Credit Repair companies require enrollment for 12 months; it is our belief that this recommendation is too long.

Yes, we will guide you through the process of opening a secured credit card. This is one of the best ways to rebuild credit and improve your credit scores. We have teamed up with local banks to provide a Follow-through service to get our customers back on the right track. A secured credit card requires a small savings deposit which usually secures the entire credit line on a MasterCard or Visa.

InCreditable Advisors will not share, sell, transfer or convey your personal information to any third parties. InCreditable Advisors maintains strict confidence of your personal information. We even have strict policies for all InCreditable Advisors employees when it comes to sharing personal information internally.You may see our Privacy Policy for additional details.

Absolutely! We encourage you to email one of our professional credit analysts for a Credit Consultation and ask any questions that may help you in determining the best solution for you credit needs.  You can also email any questions that you have to customercare@creditexperts.io to learn more about your credit report repair options

We Get Results. We have the BEST customer service in the industry and we are recognized by consumers on Angies’s list and not a paid BBB certificate that anyone can purchase. These are just a few factors that set us apart from our competitors. InCreditable Advisors prides itself on our superior customer service, our utmost respect for clients and our professional specialists that work one on one with each of their clients. At InCreditable Advisors we stay current on consumer credit laws and economic issues, and we utilize the newest technology and proven techniques to ensure successful removal of inaccurate credit report information for our clients. InCreditable Advisors provides the following advantages: Your case is reviewed by your personal specialist who is well educated in credit repair techniques and Certified in the Fair Credit Reporting Act. Your specialists will work with you each month to make sure your case is moving towards your credit repair goals. We stay current on consumer law as it pertains to credit repair and credit bureaus to make sure that our clients receive the best possible results. Unlike other credit repair companies, your privacy and confidentiality (especially with regard to your social security number, credit card number and credit report information) are protected with InCreditable Advisors. Our Customer Service Guarantee is effective from day one. You do not have to be a client for any particular amount of time before you are protected by our guarantee.

Our experience (and dedication to our clients) in working with the credit bureaus facilitates the credit repair process because we are more likely to anticipate the tactics and responses of the credit bureau. Members of our professional team have experience in interacting with the bureaus and creditors and have gained insight in regards to efficiently and effectively disputing credit report errors. We stay current on consumer credit laws and economic issues, and we utilize the newest technology and proven techniques to ensure successful removal of inaccurate credit report information for our clients.

No! InCreditable Advisors Does Not Charge in Advance For Credit Repair Services. In compliance with the Credit Repair Organizations Act, we only charge for credit repair services after they have been fully rendered. Your first payment to InCreditable Advisors is called a one-time “Credit Analysis Review and Consulting Fee” and is made after we have completed the identified services relating to this payment as detailed in the service agreement, usually billed after 3 days.

InCreditable Advisors safeguards the security of your data with physical, electronic, and managerial procedures. We urge you to take every precaution to protect your personal data when you are on the Internet. Change your passwords often, use a combination of letters and numbers, and make sure you use a secure browser. The InCreditable Advisors web site uses industry-standard Secure Sockets Layer (SSL) encryption on all web pages where personal information is required. To sign up for InCreditable Advisors service, or to log into the client section of the web site, you must use an SSL-enabled browser such as Netscape Navigator 3.0 or later, or Internet Explorer. This protects the confidentiality of your personal information and credit card information while it is transmitted over the Internet.

Yes. InCreditable Advisors carries a bond as required by the state of Indiana and is registered with the State Indiana Attorney General’s Office as required to operate in the great state of Indiana.

In order for the credit repair program to be successful we need you to follow and adhere to certain rules.

When you receive any correspondence or updates related to the accounts in dispute, it is vital to get them to us as soon as possible. We will need it to continue our process. Remember, we are disputing various aspects of your credit profile and are requiring creditors to prove they have complied with over hundreds of different regulations. We will need to know where each creditor stands after the initial round of dispute letters have been delivered to them. We also ask all of our clients to refrain from applying for new credit while they are going through the credit repair process. Be patient. The process takes anywhere between 45 business days and 6 months.

Never answer collection letters or calls without alerting us. It’s highly recommended to forward any and all correspondence to InCreditable Advisors for further review.

If you start receiving collection please keep a written log of those communication calls. Include the collection agency name, complete address, date and time, the name of the person who called and the content of the conversation. Under the FDCPA they must provide all of this information if you ask. If you have those logs and you send them to us, we might find FDCPA violations and use them to negotiate with the agency.

As soon as they start to receive our dispute letters they will attempt to get in contact with you. They assume they have a better chance to collect directly from since now you are attempting to restore your credit history. .

The credit repair process is actually quite simple; however it does require you to be persistent, patient, and to understand how the process works.

Our clients typically start seeing results in 2-3 months. Because everyone’s case is different, some cases are completed in that time. It varies on the type and number of items that need to be addressed in the credit profile. Successfully repairing credit requires persistence, patience and experience and re-establishing credit and using it wisely (InCreditable Advisors will show you how to increase your credit score by using a secured credit to re-build your credit). This is where InCreditable Advisors expertise saves you valuable time. To effectively dispute incorrect information on your credit report, the key is knowing the ‘valid disputes’ and understanding the methods used by the credit bureaus in order to submit personalized disputes that meet their requirements and warrant a timely response.

No! Federal Law requires that all disputes be submitted in good faith. When you become a client of InCreditable Advisors, you’ll complete our Credit Analysis to provide us with the necessary information about the items on your credit reports that qualify for a good faith dispute. We’ll also consult with you directly. We compile that information and use it to create your custom dispute letters. We will dispute any item, positive or negative, that you review and mark for dispute. Not only is our process legal and in compliance with the FCRA, but it results in more efficient and effective disputing. Several companies out there simply take your credit reports and generically dispute every negative item without any information from you regarding the legitimacy of the negative items. Not only is this process illegal, it is ineffective and results in an extremely high return of frivolous responses.

The Credit Bureaus (CRA – Credit Reporting Agencies) must investigate items in question unless they consider your dispute frivolous. A blanket dispute (i.e. all negative information is challenged) may be considered evidence that the dispute is frivolous, or if you fail to provide any allegations concerning specific items in your file. Frivolous disputing will unnecessarily increase the amount of time it takes to repair your credit profile and your overall success rate. This is common error made by inexperienced credit repair consultants who simply dispute all negative items or most of your credit items on your credit report at one time without any specific basis for the dispute.

A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months. The credit bureaus set up a separate website for this purpose, the web address is www.AnnualCreditReport.com. For qualified consumers, there are some options provided under the Fair Credit Reporting Act that entitle you to receive a free copy of your credit report. You are entitled to a free copy of your credit report if you’ve been denied credit, insurance or employment and request the report within 60 days of notice, or if you can prove that (a) you’re unemployed and plan to look for a job within 60 days, (b) you’re on welfare, or (c) your report is inaccurate because of fraud or identity theft. If your application for credit, insurance, or employment is denied because of your credit information, the company to which you applied must give you the name and address of the reporting credit bureau. If you don’t qualify under any of those categories, you will need to purchase your credit reports, which are approximately $9.00 – $12.95 each when purchased directly from the credit bureaus.

InCreditable Advisors helps clients repair their bad 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. 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.

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. If you are not satisfied that the questionable, negative credit has been resolved, send us a copy of the new credit report and the cycle will begin again.

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. Also, the credit bureau reinvestigation must be completed within 30 days, though the credit bureaus do not always meet this deadline, or 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.

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 improved their credit score.

On occasion, a negative listing that was recently deleted may eventually be verified by the creditor. The Fair Credit Reporting Act 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. If a questionable credit item is verified at a later point in time, InCreditable Advisors will help you challenge the listing again if there are legitimate grounds to do so.

It is important to understand there are no guarantees involved with legal services. It is just like in a court of law where an attorney could never guarantee a client that the judge or jury would find in their favor.

In fact, any credit repair company that guarantees success is not being honest with you. Also, InCreditable Advisors offers over 30 years of combined experience and its good name as assurances that your case will be handled responsibly and professionally.

We have several plans that will fit everyone’s budget, plans range from $59 – $299 a month. We must first access the picture of your credit profile to determine your need of service level and the cost associated with your credit profile. This will all be explained with your credit advisor during your initial scheduled consultation.

The monthly fee charge is for us to review credit reports or dispute letters, to write dispute letters to credit bureaus or creditors, to analyze investigation results from credit bureaus and to resend letters, to write a debt validation letter to a collection agency, to write investigation request letter to original creditor or collection company and for customization of letters and forms and for continuous ongoing education and correspondence between client and company.

Our total prices are actually lower than the prices you can expect to pay to any of our competitors. The truth is… The longer they take to do the job the more money you will pay them… They do not want to repair your credit quickly; doing so would hurt their revenues.

When considering the cost of a credit repair service, you should compare it to the cost of living with poor or even average credit. Over the course of a 30 year home loan, a person with average credit may end up spending tens or even hundreds of thousands of dollars more in interest payments than someone with good credit.

Improving your credit score, and understand how much bad credit is costing you. The benefits of having a good credit score are not limited to helping you get into a home. Almost any lender who offers credit will take your credit score into account. This means that a better credit score may help you get approved for a car loan, credit card, home equity loan, debt consolidation loan or other personal loan at a lower interest rate.

Even further, many entities are now using your credit score to make different sorts of decisions about you. In today’s society, a better credit score may also help you lower your insurance premiums, get an apartment and possibly increase your chances of landing a new job!

With the recent downturn in the economy, many Americans have lost their jobs and are now looking for work. With such a large number of job seekers the market has become very competitive and finding gainful employment is difficult. Many people have gone through interviews and performed well, only to be turned down for a position they felt would be offered to them. What these people didn’t know was an increasing number of employers not only perform background checks, but also look into potential applicants’ credit scores.

When an employer sees late payments, charge offs, and collections on an otherwise great candidate’s credit report–red flags go up. They begin to wonder if the job seeker will meet deadlines, show up late, or forget to complete tasks. If you can’t manage your finances properly an employer might assume that you won’t be able to manage the responsibilities of the position you’re seeking. At InCreditable Advisors, we aim to help remove errors and questionable negatives from your credit report. This can make you look better in the eyes of your potential boss and give you the power to confidently give an employer the go ahead to check your credit history and see that you are a responsible individual.

You sure can! Many consumers want to fix their credit report on their own. Some consumers have read, per the Federal Trade Commission, that DIY credit repair is just as effective as any credit repair company’s services. In fact, the FTC states: “there’s nothing a credit repair agency can do that you can’t do yourself.” The same holds true for repairing your car or mowing your lawn, but that doesn’t necessarily mean you want to do it yourself. And while you can do your own taxes, most of us prefer a professional accountant to help with such services in order to guarantee credibility and accuracy. It’s a fact that DIY credit repair can be effective and inexpensive (the Web is packed with cheap or free credit repair kits, forums and books), but it can also be time-consuming and difficult due to the intricacies of credit law and the extensive efforts involved in contacting dozens — or even hundreds — of creditors.

So in the end even credibility, accuracy and efficiency all features you get with InCreditable Advisors pale in comparison to the convenience we provide our clients. The reality is that most “do it yourself-ers” get bogged down by a lack of time and experience. InCreditable Advisors provides a convenient and trusted alternative that allows you to avoid the hassles and long hours involved with credit repair. Our support and encouragement goes out to those consumers who spend countless, untold hours researching credit repair books and online forums before typing, printing, addressing, stamping and sending dispute letters, only to wait for replies and do it all over again. But remember, disputing your credit report is only half the battle when it comes to repairing your credit. With InCreditable Advisors, one call does it all quickly, legally and efficiently.

That`s a decent start. If you need any further assistance, please call or chat with our credit repair representatives, especially if your “do it yourself” credit repair bogs down. However you go about it, InCreditable Advisors credit repair team is ready to help you optimize the accuracy on your most important financial asset: Your Credit!

Not a problem. Contact us and our friendly staff will be more than happy to answer any questions you have