Frequently Asked Questions
MyCreditCaffeine's mission is to educate as many individuals about credit as we can. What you do not know can harm you when it comes to credit, so learn as much as you can. Call one of our specialists if your questions are not answered on this page. They would be delighted to deal with any concerns that you may have.
How much does it cost for your services?
On the
Packages tab, and of the costs of our programs are explained in detail.
How am I going to know what progress is being achieved?
You will be granted an online account page where progress can be observed. A Time Line and Progress Report and a portion of Credit Analysis are available.
Can I Repair My Credit Myself?
Of course, it is your right and obligation to track and secure your own credit. To assist you, the government has a series of laws called the Federal Credit Reporting Act. We created a course that guides you through this process-->
Credit Repair Blueprint
If you need assistance from experts who deal with the bureaus and these laws every day, MyCreditCaffeine is here.
Are you just sending loads of letters and hoping that creditors won't respond in time?
Oh. No. That isn't a technique that is successful. Every month, the credit bureaus and creditors receive millions of disputes. They are prepared to deal with a heavy flow of issues, so we expect a response when we attack an object from your loan. All of our problems are individual claims.
During the Program, may I apply for credit?
Yes, your credit is your own, you just need to remember that applying for fresh credit will add fresh inquiries to your credit report that will affect your credit score.
How is it possible to legally fix bad credit?
It is your right and duty to guarantee that the things on your credit reports are correct. If your conduct as a customer is not correctly reflected by information reported on your credit reports, you have the right to request that questionable information be deleted from your reports. You have the legal right to challenge incorrect things on your credit reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) give you the legal right to challenge incorrect things on your credit reports with the credit bureaus and your individual creditors.
Do I have to pay my bills?
YES. Although we are working on your history, it is your duty to safeguard your credit. You will be working against us if you add fresh damage to your credit report.
Will deleted items reappear on my credit report?
A negative listing that was removed can be checked by a creditor until the deletion is complete. When this occurs, the Equal Credit Reporting Act notes that before re-reporting an item that has been removed, the credit bureaus need to warn you. Having an object removed and substituted is a rare case, but it is feasible.
Will it restore my credit by paying my bills?
Every month, paying your bills helps build up your credit history. If they are revolving or installment accounts, you can build your credit history by paying your bills every month.
How long will charge-offs remain on a credit report for?
Up to seven years from the date of the first late payment that led to default, a charge-off will stay on your credit report.
How long is bankruptcy going to stay on a credit report?
It could remain on your credit report for up to a decade, depending on the form of bankruptcy. The Equal Credit Reporting Act (FCRA) defines the limitations of credit reporting for bankruptcies.
How are judgements gathered?
The complainant will be able to recover the money in many forms, including salary attachments or garnishments, if you have a verdict against you.
Is it possible to delete late payments from my credit reports?
MyCreditCaffeine will help you understand what should and should not be on your credit report and share tactics that can assist you to eradicate late payments wrongly reported.
Is it possible to delete repossessions from a credit report?
There are two possible ways in which a repossession can be eliminated. You can challenge a repossession or you can try to negotiate an early withdrawal with the creditor.
Is the elimination of a foreclosure from a credit report possible?
There are five conditions under which you may be able to delete a foreclosure sooner than anticipated from your study.
Can you help me delete my credit reports from hard inquiries?
To decide which credit inquiries we will be able to help you withdraw, a MyCreditCaffeine specialist will review your credit reports and discuss your credit history with you.
Could you negotiate a collection bill?
You may request the removal of a collection by a debt collector or creditor and this form of favor is known as a request for goodwill.
