Credit Sweeps/legal FAQ’s

Why Does GREAT CREDIT Count?  

When you have a low/subprime credit score (anything under 619), it feels like the whole financial world is against you and life becomes more difficult and expensive. Millions of Americans need to build up and sweep their credit in order to qualify for a home loan, lease an apartment, obtain a car loan, to get a credit card, get a cell phone, and even applying for certain jobs. Your credit score even impacts the rates you pay for auto and homeowners’ insurance.

By restoring and building your credit with a credit sweep and tradelines, you can save thousands of dollars in lower interest on payments and much more. We can help you to remove inaccurate information from your credit report as well as enhance your credit with tradelines molded to your outcome.

Credit bureaus keep information on your record up to 10 years, so problematic credit history can follow you around for a LONG time. You came to the right place to skyrocket your consumer buying power!

Our clients on average will get 50 to 90% + of their issues permanently deleted in 35 to 90 days; some reports may take more or less time depending upon several factors like how many items are on the report, how old they are and if you have gone through credit repair recently. Every credit report is different, so we work each one case by case to optimize for the best possible results.

Need To Raise My Credit Score Fast

At Financial Credit Cure Solutions, we give you the opportunity to raise your credit score in the fastest way possible. You can then take advantage of good credit scores to enhance your credit limits. We help you achieve this by offering a variety of tradeline packages that instantly boost your credit score. Buying tradelines enable you to become an authorized user under a credit account that has a good line of revolving credit. Once you become an authorized user, you’re credit report is re-evaluated by major credit bureaus to the update the score. It’s essential that you purchase a credit tradeline that matches your unique credit improvement needs.

As part of adding tradelines to your credit report, it’s also important to pay off your loans and credit card debts on a timely basis. Following the payment terms when acquiring credit helps in the growth of credit score. We provide solutions that help you maintain a good balance between the level of credit and the amount of debt you have acquired. We also add other mitigating factors such as the payment history, the length of time of each account in your credit, balances of debts you have and that are carried month to month, and more. Limiting your expenses is the most effective way to reduce your debt. Make sure to pay at least pay the minimum payment for the month. We advise you to refrain from opening new accounts as this would affect your credit score in a negative way. Also, avoid taking credit from lenders who are offering a higher interest rate compared to others.

Fast credit repair services

Looking for the best company that can fix your credit score? No problem! We can help you get back on your feet once again by providing the efficient credit repair services. We can erase your bad credit history – 100% guaranteed by creating a CPN (Credit Privacy Number) legally! We offer quick solutions to recover your creditworthiness. You can legitimately improve your credit report, with our constant effort and a personal plan of repaying your debts.

At Financial Credit Cure Solutions, we legally eliminate negative information from a credit report. You must request your credit report from the date you receive the notice notifying you of the adverse action. The name, address and telephone number will be provided in the notice. It costs nothing to dispute errors or outdated data from your credit report. Both the consumer reporting company and the information provider (the person, company or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. This is highly effective for a credit score after a collection, delinquency, bankruptcy, divorce, Identity theft, judgment, late payment, or foreclosure. We work on all of these.

Remember to fill out the form provided on our website in case you require detailed advice on how to improve your credit score and eliminate your debts.

Fix Credit Score Services

Do you have problems paying your bills? Are you receiving notices of payment intimidation from creditors? Are your accounts being turned over to debt collection companies? Don’t panic. You’re not alone! Financial Credit Cure Solutions offers solutions that fix your credit score.

At a certain point in life, almost everyone goes through a financial crisis. Whether the problem is caused by family or personal illness, by loss of employment or simply by spending too much, it may seem overwhelming. We want to let you know that all these situations can be overcome by fixing and maintaining credit score consistently. The key is to avoid that your financial situation from going bad to worse. If you, or someone you know, is going through a financial storm, we assist in credit counseling, debt consolidation or bankruptcy. How will we know what’s the best solution for you? The answer depends on the level of your debt, your degree of discipline and your future prospects.

At Financial Credit Cure Solutions, our first step in taking control of your financial situation to make a realistic assessment of all your income and all the money you spend. We fix expenses – those that appear every month – such as your mortgage payment, rent, car payments, or insurance premiums, following by a list of variable expenses, such as entertainment, recreation or clothing. Identifying all expenses, even those that seem insignificant can be a great help to control your spending. We make sure to identify those that are necessary and prioritize accordingly. Applying these changes can increase your credit score significantly.

What is a Credit Sweep?

A proprietary process for removing negative items from your credit report, opening more possibilities for your financial future. We do this extremely fast in comparison to traditional credit repair. We perform the work with modern strategies to accommodate the ever-changing industry. Deletions start occurring within the first 45 days. For most clients, the best results happen within the first 60 – 90 days.

What is the difference between a Credit Sweep and Credit Repair?

The main difference is the time frame, fee schedule and process. Our credit sweep is proprietary, and extremely expedited in comparison to traditional credit repair. Deletions start occurring within the first 45 days. For most clients, the best results happen within the first 60 – 90 days. Traditional credit repair takes 6 – 14 months while incurring a monthly fee, and results are dragged out throughout that time frame. Expect a couple deletions (if you are lucky). Credit repair is a likely waste of 6 – 14 months of your time, money and energy.

Is Credit Inquiry Removal Included in The Credit Sweep?

No, this is a completely separate service as it requires a completely different method. Do you need to remove irritating credit inquiries? If you have too many, you will get DENIED more frequently which will hold you back from getting the things you want to achieve in your life. We can remove certain inquiries that are not related to your ongoing lines of credit. Typical results are 20 – 40 days. We have an amazing bundle discount if you purchase inquiry removal with your credit sweep.

Are Credit Sweeps Effective?

ABSOLUTELY! This is highly effective for a credit score after a collection, delinquency, bankruptcy, divorce, Identity theft, judgement, late payment, or foreclosure. We work on all of these.

79% of all credit reports contain errors! This means that most credit reports can be improved instantly. We work on correcting inaccurate and misleading personal data on your credit report. Also, inaccurate and unverifiable credit and collection information must be complete, accurate and verifiable otherwise you have the right to dispute the account.

Are Credit Sweeps Legal?

A credit sweep is a form of credit repair which is 100% legal and it works because of the law. The Fair Credit Reporting Act (FCRA) gives you the right to dispute any item on your credit report. If an item cannot be verified, it must be removed. This is the basis of all credit repair.

The FCRA is a U.S. Government legislation enacted to promote the accuracy, fairness and privacy of consumer information contained in the files of consumer reporting agencies. It is intended to protect consumers from willful and or negligent inclusion of inaccurate information on their credit reports.

How Much Does It Cost?

We have made it AFFORDABLE to everyone. Give us a call to see which plan will work best for you given your goals and outcome.

Should I Close My Old Credit Cards?

NO WAY! Old established seasoned accounts are built into your account history which is a huge chunk of your credit score. If you have old credit card accounts that you want to stop using, just cut up the cards or keep them in a drawer but keep the accounts open. If you close an account, you can expect an immediate drop in your credit score because it will decrease the average age of your credit history.

Old accounts are your positive credit. Positive credit takes YEARS to build and if you ever needed to purchase it in the form of a tradeline, it is very expensive. Your old accounts are important, do not close them.

How Long Does It Take?

What takes other companies 9-14 months takes us ONLY 35 – 45 days for the first round of results.

Every credit report is different. If additional rounds are needed, it will be an additional 30 days for each round. Note that you will continue seeing improvement throughout this entire process given you follow our guidance to maintain your results and empower a lifetime of good credit decisions.

What Is Your Refund Policy?

EVERY credit report that we work on has improvement! If we do not produce results, then we have no business accepting your money. We guarantee your credit score will improve otherwise we will refund your money.

Disclaimer: If you have a new derogatory account, run up your credit card balances over 30%, miss a payment, and/or have multiple new credit inquiries, we can see this and it will cause a reduction in your credit score, ultimately undoing all of the progress we made. Don’t do that to yourself!

Credit Repair Service Agreement*

I hereby enter into the following agreement with Financial Credit Cure Solutions (hereinafter “FCCS”)

FCCS hereby agrees to perform the following:

  1. To evaluate Customer’s current credit reports as listed with applicable credit reporting agencies and to identify inaccurate, erroneous, false, or obsolete information. To advise Customer as to the necessary steps to be taken on the part of Customer in conjunction with Our Company, to dispute any inaccurate, erroneous, false or obsolete information contained in the customer’s credit reports.
  2. To prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in Customer’s credit reports.
  3. To review credit profile status from the credit reporting agencies such as: Experian, Equifax and Transunion.  Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours.
  4. To continue Customer’s credit repair through 4 rounds if necessary. By signing our authorization agreement, Customer acknowledges credit repair is not a lifetime service. FCCS reserves the right to stop work on Customer’s credit file at any point if we are threatened and/or harassed by Customer.

Authorization for Credit Repair Action*

  1. 1.  I, {CLIENT}, hereafter known as \” client\” hereby authorize, FCCS, Two Pershing 2300 Main Street Suite 900 Kansas City, MO 64108 to make, receive, sign, endorse, execute, acknowledge, deliver, and possess such applications, correspondence, contracts, or agreements, as necessary to improve my credit. Such instruments in writing of whatever and nature shall only be effective for any or all the three credit reporting agencies which are TransUnion, Experian, Equifax, and any other reporting agencies or creditor’s listed, as may be necessary or proper in the exercise of the rights and powers herein granted.
  2. This authorization may be revoked by the undersigned at any time by giving written notice to the party authorized herein. Any activity made prior to revocation in reliance upon this authorization shall not constitute a breach of rights of the client. If not earlier revoked, this authorization will automatically expire twelve months from the date of signature.
  3. The party named above to receive the information is not authorized to make any further release or disclosure of the information received. This authorization does not authorize the release or disclosure of any information except as provided herein.
  4. I grant to FCCS, Two Pershing Square, 2300 Main Street Suite 900 Kansas City, MO 64108 authority to do, take, and perform, all acts and things whatsoever requisite, proper, or necessary to be done, in the exercise of repairing my credit with the three credit reporting agencies, which are TransUnion, Experian, Equifax and any other reporting agencies or creditor’s listed, as fully for all intents and purposes as I might or could do if personally present.
  5. I hereby release FCCS, 2300 Main Street Suite 900 Kansas City, MO 64108 from all and all matters of actions, causes of action, suits, proceedings, debts, dues, contracts, judgments, damages, claims, and demands whatsoever in law or equity, for or by reason of any matter, cause, or thing whatsoever as based on the circumstances of this contract.
  6. By signing our authorization agreement, you are agreeing to our fees as outlined in the package you select. All clients who pay by credit or debit card will receive email notification of payment received and recurring billing charges are from Financial Credit Cure Solutions. There will be a $20 decline fee charged to any client whose credit or debit card declines. All accounts in default status will be sent to collections due to nonpayment and will have the balance of the contract due listed.

Consumer Credit File Rights Under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor a credit repair company or credit repair organization has the right to have accurate, current and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported up to 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violated the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute that accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch Federal Trade Commission Washington, D.C. 20580.  

Notice of Right to Cancel

You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you.

To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to FCCS, Two Pershing Square, 2300 Main Street Suite 900 Kansas City, MO 64108 and please notify by email IMMEDIATELY before midnight on the 3rd day which begins after the date you have signed this contract stating ‘I hereby cancel this transaction, (date) (purchaser’s signature).’’

Please acknowledge your receipt of this notice by electronically signing the form indicated below.

WE HAVE THE RIGHT TO DECLINE A CIENT USING CREDIT OR DEBIT IF IT DEEMS NECESSARY

Acknowledgment of Receipt of Notice

I, {CLIENT NAME}, hereby acknowledge with my digital signature, receipt of the Notice of Right to Cancel. I confirm the fact that I agree and understand what I am signing, and acknowledge that I have received a copy of my Consumer Credit File Rights.

*Digital Signatures: In 2000, the U.S. Electronic Signatures in Global and National Commerce (ESIGN) Act established electronic records and signatures as legally binding, having the same legal effects as traditional paper documents and handwritten signatures. Read more at the FTC web site: http://www.ftc.gov/os/2001/06/esign7.htm