Click on the following questions. If you have some questions which are not listed here, you can contact us and send us message by filling the form on the right side of the page.
Q: Can I repair my own credit report?
Q: Do you bill in advance for services?
Q: Will the removed items come back?
Q: Why should I choose Million Dollar Credit Inc ?
Q: What type of information does Million Dollar Credit collect?
Q: How does Million Dollar Credit protect personal information?
Q: How long will it take to repair my credit report?
Q: Will Million Dollar Credit Simply Dispute All My Negative Items?
Q: Can I repair my own credit report?
Yes. Depending on your time, patience, perseverance, and complexity of your dispute, you can successfully dispute inaccurate credit report items on your own. However, credit bureaus' strategies and tactics make the process often time consuming, overly burdensome and ineffective for the consumer. Disputing items is not difficult; getting results is.
Contrary to what the credit bureaus would like you to believe, credit repair does work and can work for 100% of people in most circumstances. This is, of course, provided you are getting the best advice and have an experienced professional working on your case.
Any one with a credit score below 720 can benefit long-term from the advice and information provided by a professional credit repair service; however, there are times when your own limitations make adhering to this advice impossible.
The two limiting factors are:
- your financial situation and
- the time frame in which you need to reach your results.
It is possible to remove anything from a credit report, even accurate items, if the creditor does not adhere to the law that outlines what needs to be done and by when.
Due to the fact that no two credit reports are identical, it is a must that we treat each client on an individual basis. During our free credit analysis we will review a current copy of your credit reports. Then we will be able to complete an outline your credit report issues and give you an accurate quote for your file.
Q: Do you bill in advance for services?
No! We do 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 Million Dollar is made after we have completed the identified services relating to this payment as detailed in the service agreement. Each monthly payment thereafter covers the monthly services detailed in the service agreement fully rendered during the previous month.
Bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
Q: Why should I choose Million Dollar Credit Inc ?
We Get Results. There are several factors that set us apart from our competitors. Million Dollar Credit prides itself on results, superior customer service and utmost respect for clients. 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. Million Dollar Credit provides the following advantages: Your case is reviewed by a staff attorney with a complete understanding of your legal rights under all applicable Federal statutes. 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. You will work one on one with you personal Case Advisor who is also well educated in credit repair techniques and Certified in the Fair Credit Reporting Act.
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 Million Dollar Credit. 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.
What type of information does Million Dollar Credit collect?
The personal information that we collect is limited to the information that you provide to us when you sign up and use our services. This information consists of your name, address, email address, phone number, social security number, date of birth, and billing information. Additionally, you will provide the information contained on your credits reports to Million Dollar Credit when you send us a copy of your three credit reports.
How does Million Dollar Credit protect personal information?
Million Dollar Credit safeguards the security of the data you send us 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 Million Dollar Credit web site uses industry-standard Secure Sockets Layer (SSL) encryption on all web pages where personal information is required. To sign up for Million Dollar Credit's 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.
How long will it take to repair my credit report?
Our clients typically start seeing results in 45-60 days. Because everyone's case is different, some cases are completed in that time, but the average length for our clients is 6 to 8 months. It really depends on the type and number of items that need to be addressed in the credit profile. Successfully repairing credit requires persistence, patience and experience. This is where Million Dollar Credit’s 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.
Will Million Dollar Credit Simply Dispute All My Negative Items?
No! Federal Law requires that all disputes be submitted in good faith. When you become a client of Million Dollar Credit, you'll complete our Dispute Manger to provide us with the necessary information about the items on your credit report that qualifies 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.
How Does the Million Dollar Credit Refund Policy Work?
Just like our service, our Refund Policy is effective from day one. Our Refund Policy is simple and straight forward. Each month that you remain a client of Million Dollar Credit, you pay a Monthly Fee. During any month, if we fail to provide the agreed upon services (as outlined in the Service Agreement provided during the sign up process), we will refund your Monthly Fees for that month. It's as simple as that! If you are still unsure about the Refund Policy or have any other questions, contact us. We'll be happy to answer any questions you may have.
Consumer reporting companies 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.