Frequently Asked Questions.
Here we answer some of your common questions…

How Can I Upgrade My Plan?

At this time, there are no plans for upgrading; due to the fact, we are only offering on “POP” Pay-On-Performance package which is often referred to as Pay-Per-Deletion. This means, you only are charged “SEE EXHIBIT A Price List” and you will only pay for account of which we are successful in obtaining any level of positive updates and changes such as deletions/removed, updated to reflect a satisfactory status, debt negotiations via settlements, paid-in-full and executed form systems, etc.

When Will I Be Billed?

We are in total compliance with our governing agencies concerning credit repair businesses operations as it relates to laws and regulations such as CROA-Credit Repair Organization Act. In the CROA, it has strict rules concerning collection of upfront credit repair service fees; where as it is prohibited. In reference to “upfront fees”, it simply means “Do the work first, then collect the fees”. Our billing procedures are as follows: we charge a “First work Fee” AFTER the first round of letters have been created, saved and ready for processing. We refer to this as “Clear to Process”, now your case profile is ready to be shipped via certified mail. Then, we must have your preferred payment method (debit/credit card) on file to process recurring monthly charges for invoices on previous months’ case work-up. By using this billing method; we ensure our client get the prompt service they need and we’re always being paid for work that is ALREADY done.

What Forms Of Payment Do You Accept?

We accept all major credit cards (Visa, MasterCard, American Express, and Discover), Apple Pay, Bank 2 Bank Transfers, Debit Cards, Cash, Checks (Business and Personal and NSF check return fees will apply) Money Order, Money Gram, PayPal and Western Union.

What Happens If My Credit Monitoring Subscription Lapse?

Credit Monitoring Services are only useful for people who are diligently watchful and protective concerning their credit profile; therefore, it is only valuable when you use it. We cannot stress enough; just how important it is to monitor your credit while enrolled in any credit correction program. In Credit By Creations credit rejuvenation program, it is imperative and mandatory that you remain actively enrolled in a credit monitoring program. The reason being, CMS allow for our credit rejuvenation program to be successful and to work to its fullest potential for you. You will receive reinvestigation result via mail from the credit bureaus monthly between 30-45 days and credit monitoring services are the primary tools used to update your case files accordingly with our company. CMS are the direct form of communications for you to be made aware of any updates, deletions and other information as it pertains to your disputes with the creditors, debt buyer and credit bureaus.

How Secure Is My Information?

We respect and value your personal data; whereas, we monitor it as if it were our own. Furthermore, today of dishonesty, Credit By Creations staff are superiorly trained and we take extra layers of measures to remain PCI compliant in the handling of your sensitive data. We take your trust seriously, and we make the security and confidentiality of your information our highest priority; which is why, we invest in some of the industry highest SSL Certificates and PCI complaint products such as Comodo SSL, Trustlink, Trustwave, CopyScape and other Encryption software.

What's Included In A Package Pricing?

We offer several robust packages and each package is custom designed to handle the financial and legitimate procedures required for optimizing your credit reports and scores in less time as possible. To get results which speak for themselves, we provide services like:

  • Detailed and precise analysis of your credit reports
  • Identifying problem areas and ambiguities
  • Custom made credit optimization tips & techniques to suit each individual case
  • Transparency in dispute communications with you, client, credit bureaus, creditors and collection agencies
When To Expect Results?

Our team is extremely vigilant and our style of perusing each case extremely efficient. By the laws which governs our industry, we cannot make a specific promise nor guarantee as for results and time frames. The process of reinstating your credit score starts as soon as we have our first meeting with the client and maintain a consistent pace throughout the procedure. Often getting your credit reports from the bureaus can take upward 30-days alone, real results may only begin to be seen after allotted time frame 30-60 days given by law (FCRA).

If I Pull My Credit Report Multiple Times, Will It Further Hurt My Score?

Rest assured that getting a credit report from the bureaus has absolutely no effect on your credit scores.   Consumers can pull/order their own credit report as many time and as often as they need to and without any decrease in scores. How many items will be disputed at a time?

The answer to that question depends purely on the issues our team will identify in your credit report. Rest assured that each dispute will be given its fair share of importance and will be handled as delicately as possible to ensure positive results.

How Long Will This Credit Repair Process Take ?

Again, we are not allowed to make any promises nor guarantees concerning results and time frames. Every financial situation is unique and therefore setting a standard time limit is not possible, but it would be safe to say that this process could take three to six months or upward to twelve months depending on the discrepancies in your reports. Also, we need to take into account how long it will take the bureaus and creditors to respond to each dispute and resolve it. For assurance, we strive for excellence in dealing with your credit profile; as we know that time is of essence for you. Therefore, we start the ball rolling day-one and continue to resubmit cycles promptly, but you must be patient with the process. Thanks

Credit Repair Is Very Expensive?

A reasonable assumption, but not always true. All you need to start is your credit reports, a computer, right dispute letters and a printer. You may want to consider how much bad credit can cost you. Some studies and figures indicate the monthly amount that can be saved is more than $500. Still think you don’t have enough money?

You don’t need to pay hundreds or thousands to credit repair companies to send exact dispute letter on your behalf to credit bureaus when you can fix credit repair fast from the comfort of your home at a fraction of the cost. Sure, you can do credit repair online with ease without ever bothering to venture out of home. But you must ask yourself, do your daily schedule allow free time for researching, studying and creations of tools need to complete successful cycles of credit dispute? Not to mention, the software used credit repair companies can be very expensive and it requires coaching and training to properly use. A professional and certified credit repair advisor can promptly ease out these tasks and more.

Credit Repair Is Legal?

From a simply constitutional perspective, every consumer has a fundamental right to defend him/her when accused of anything. A negative credit report is basically a way of accusing you of being a bad credit risk and therefore worthy of paying high-interest rates. Until consumers understand that it’s their right to fight back, creditors and their inaccurate credit reports will continue to charge unfair high-interest rates, deny your ability to own a home and quite possibly stop you from getting that dream job you have waited so long to get. What you need is the best credit repair software to do the task with efficiency.

There Is Not Enough Time To Repair My Credit?

And yet, you find the time to do the things that you want to do, right? I get it. Repairing credit probably isn’t at the top of anyone’s list of “Awesome Stuff That I Like to Do”, but it is important nonetheless. It doesn’t have to be a long, drawn-out ordeal. Schedule a little time each week, and it can save you time in the long run. Just imagine how easy your monthly bill-paying session would be if you had good credit and weren’t trying to figure minimum payments and late fees. This powerful credit report software speeds up automates the fast credit repair process for you and it guides you every step of the way in sending the exact dispute letters and getting your score corrected.

Credit Reports Are Simple And Accurate?

Maybe, a long time ago; our credit reports were designed to be simple and accurate. But, unfortunately, with the growling reliance upon credit reports, the demand for this information has made the business quite sophisticated and rather impersonal. According to recent reports as many as 79% of consumer credit files contain errors and inaccurate items. Inaccuracies, especially ones that are harmful to your credit scores, can lead to higher interest rates on loans and credit cards or denials for new credit. Understand an individual’s credit report is complex and time consuming. The other concern is that it’s open to interpretation. Automation or online correction may one day prove to save the day; however, technology hasn’t quite produced a simple and automatic way to render an accurate and consistent analysis of a consumer’s credit history. However, if you have the best credit software, you can be sure of doing it in the least possible time. You need to dispute the report and get it repaired.

Can A Personal Explanation Helps Improve Or Repair My Credit Report?

Maybe there was a time when an actual person would read a statement on our Credit Report and possibly consider that statement into their interpretation of our Credit History. Most statements are never read by potential creditors for they are only concerned about one’s actual Credit Score. They don’t care if you lost your job. You have admitted to be a greater credit risk and you are not one to take responsibility should a crisis occur. You show that you’re not one to save an adequate emergency fund and if something goes wrong; you are a bad credit risk.

I Should Just File Bankruptcy.

Yea, Yea, Yea, here this goes again! We hear this way too much from people, but they don’t know what we know about bankruptcies. As far as bankruptcy goes, while it may appear to be a viable option and one that is becoming more and more popular, most people don’t understand how destructive this can be to one’s financial future. A typical bankruptcy can remain attached to your credit reports for approximately 10 years and some chapters can stay longer; meanwhile, they will weigh your credit score down by more than 150 points (estimate). So, again I ask you, is it worth it? Stay clear of bankruptcies, there are various options available for you.

Credit Repair Is Difficult And Something I Can’t Do Myself.

Do you honestly think that having bad credit is any easier? And it may not be as hard as you think. At least give it a try, what can it hurt?

Many of you believe you can’t be successful on your own, unfortunately, it’s just not the case. Filing a dispute on your credit report can be easy. In fact, anything a credit repair company can do legally, you can do for yourself at little or no cost. The fact is there’s no quick fix for creditworthiness. You can improve your credit report legitimately, but it takes time, a conscious effort, high-level knowledge won the consumer protection laws and sticking to a personal debt repayment plan. Some people may question, why would you pay thousands of dollars to attorneys or credit repair companies to send exact same dispute letters when you can do it yourself for a small fee. However, it is not a rule. There are legitimate credit repair companies that can assist you for a very affordable fee and they are efficient and skilled with the consumer protection laws. For this reason, we at Creative Financial Coaching Group are willing and waiting to help you.

Cited: https://www.consumer.ftc.gov/articles/0058-credit-repair-how-help-yourself

Do I Need An Attorney Or Credit Consolidator To Repair My Credit?

For attorneys, credit repair is simply a new industry to promote their services. And because they are attorneys, they feel justified in charging higher fees. The truth is, all they do is mail out a series of letters on your behalf to all the credit bureaus and charge you hundreds and even thousands for just sending letters. Because they are charging you monthly, there is no incentive for them to accelerate the process. In fact, it would penalize them, for they’d lose a paying customer as soon as they achieved certain results. You also must keep forwarding your credit reports and it could take up a lot of your personal time as well. Credit consolidators, on the other hand, can be helpful in assisting you to get out of debt by negotiating lower interest rates, consolidating payments into one monthly bill and even removing late fee penalties. However, these companies charge a fee for their service as well and they will do very little with regards to repairing your credit report. Also worth mentioning, the fact that you have used a credit consolidator, or failed to complete their program can also be noted as a negative item on your credit report.

The Best Way To Remove Negative Items Is To Just Pay Your Debt.

Just because you pay your debt, doesn’t always mean that the late payment history will be removed from your credit report. In fact, negative credit can stay on the credit report for a maximum of seven years, except for a bankruptcy which may remain on the credit report for ten years.
By paying an old debt, all you will change is the account status which will go from “delinquent” to “paid, but late”- which will still stand out as a very negative item on your credit report.

It Takes 7 Years To Remove Credit Items Or Some Negative Items Can Never Be Removed From An Credit Report.

Accordingly, Fair Credit Reporting Act- {FCRA} you can dispute any information on your credit reports that you believe is inaccurate, incomplete, unverifiable or outdated. If the credit bureau or the creditor is unable, unwilling or unavailable to verify that a credit item is accurate and timely, it must be removed from your credit report. However, if you feel a negative credit item is 100% accurate and timely, you do not have the grounds to question this item with bureaus. Only the passage of time can assure bureau removal.

After I Obtained A Copy of My Credit Reports, What Can I Do Next?

After you’ve obtained a copy of your credit reports, you must review them carefully to identify any items that are negatively impacting your credit score. These could be negative inaccuracies related to:

Bankruptcy Filing Records

Items Included in Bankruptcy

Charge-offs (Paid and Un-paid)

Collections (Paid and Un-paid)

Late Payments

Negative Duplicate Accounts

Negative Closed Accounts

Medical Bills

Time-Barred Accounts (Outdated by Statues of Limitations)

Identity Theft Accounts


Mixed Personal Identifiers (Social Security Number, Telephone Number, Addresses)

Mixed Identity


Wage Earner Plan

Defaulted Student Loans


Judgments (Civil or Small Claims)

Late Payments


Repossessions (Legal or Voluntary)

Tax Liens (State or Federal)

Child Support Arrearage

Divorce Accounts (Ex-Spouse)

Joint Accounts/Authorized User

Personal Guaranteed Business Accounts

Bad/NSF Checks

Overdraft Bank Accounts

Payday Loans

Criminal Records

Utility Bills

You can also use Payment History Codes to identify Derogatory Items:
R – Revolving (most often a Credit Card)
I – Installment (most often a Mortgage or Auto Loan)
R2 or I2 = 30 Days Late
R3 or I3 = 60 Days Late
R4 or I4 = 90 Days Late
R5 or I5 = 120 Days Late
R7 or I7 = Regular Payments are being made under the Wage Earner Plan
R8 or I8 = Repossession
R9 or I9 = Charge-off

Once you have identified all the inaccuracies, it is then time to seek professional help and hire a credit repair organization or Fix-It-Yourself; otherwise, you would enter them into a credit software program or manual (by hand) write your disputes letters. After generating powerful disputes letters, prepare the letters to be mailed to all three credit bureaus by way of certified mailings. So, you have successfully begun the credit improvement process.

You can challenge just about every negative item listed on your credit report that you believe are inaccurate, incomplete, misleading, erroneous or outdated and should be removed or corrected.

Credit Bureaus have thirty (30) days to investigate your request and make changes on your credit report.
Just know that, if the credit bureau cannot verify that a credit item is accurate and timely, it must be removed from your credit report.

Still need help? Send us a message!

For any other questions, please write us at admin@creditbycreations.com or call us on (888) 587 6599

022032051 041

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