228 w. Lincoln Hwy #129,
Schererville IN 46375
888.859.FICO (3426)
Opening several credit cards in a short period of time, could have a negative effect on your credit. Research has shown that opening several accounts in a short period of time represents greater risk, mainly for people who do not have long reputable credit history. Think twice about opening numerous lines of credit a once.
Q: How much does this service cost?
Q: If I get something in the mail from the credit bureaus, what should I do?
A: Send all correspondence you receive from the credit bureaus to us.
Q: What is your Refund policy.
A: We offer a 100% Money Back Guarantee. Case by case
Q: What is your Cancellation policy
A: You have 3 days to cancel after the day you signed up.
Q: Is this service legal?
A: Absolutely. We follow all federal and state laws.
Q: Where do I get my credit report?
A: You can get your report from a third party the link is below.
click here
They will include all information from the three major credit bureaus (Equifax, Experian, and TransUnion). Once received, you will send us a copy of these reports. You will also receive new, updated reports from each of the bureaus, along with the results of our disputes, approximately every 45 days.
Q: How do I send information to you?
A: Mail, bring it by, or fax it. You may also e-mail us your information, however, most of the correspondence you will receive will be in paper form.
Q: What about talking to creditors?
A: It is alright to talk with creditors, however, do not tell them that you are working with a credit restoration company. Keep in mind talking to the credit bureaus will affect the ability to successfully challenge any information in your credit file. Call us, and we will be glad to give you a more detailed explanation.
Did you know?
Too many credit inquiries can make getting credit more difficult. We can help!!
Q: How long will it take to see results?
A: You should start seeing results in roughly 45 days. Note: It could take less then 45 days or it could take up to three rounds of disputes. Be patient, this process is designed for long-term results, not an overnight “quick fix”.
Q: Is it possible for a deleted item to be put back on my credit report?
A: Our object is to have information removed permanently from your credit history. Due to their failure to follow the law, the credit bureaus face a likely fine of up to $10,000 for putting deleted credit information back into your credit file.
Q: Should I send any information directly to the credit bureaus?
A: While you are in the program, we ask that you DO NOT send anything directly to the credit bureaus; nor do we want you to talk with them directly. This may counteract our efforts, and increase the time it takes for your credit score to improve.
Q: How soon will my credit score improve?
A: In most cases, your score will improve as soon as you are notified (by the credit
bureau) of the removal of the negative information. However, creditors have up to 60 days to report changes to your credit report. The removal generally improves your scores as much as 30 points per item; but... this is also depending on you having enough positive information in your credit file to begin with.
Q: What if I don’t receive information in the mail?
A: If you have not received updates within 45 days after you sign up for the program, contact me ASAP.
Did You know?
If a credit bureau can not verify information in a dispute with in 30 days, it must be removed. Credit bureaus might remove an item on request without an investigation if rechecking the item is more of a bother some then its worth.
Example of our work.
Walton Credit Counseling
228 W. Lincoln Hwy #129
Schererville, IN 46375
Office-(888)-859-3426
Fax-(219)-865-8557
info@waltoncreditcounseling.com
