Frequently Asked Questions

Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days), it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore, most credit reports improve immediately. For items disputed that are questionable, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

While credit repair services are legal, scams exist in the credit repair business as they do in every business. So, it always pays to do your homework before enrolling with a credit repair service.

Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.

We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.

You are entitled to a 100% refund on all monthly payments if:

  • We do not remove more than 25% of all the negatives worked on.
  • You have had no new collections or missed payments in the time frame we are assisting you.
  • You have had six months from the time you retain our services.
  • You maintain Credit Monitoring services throughout the Credit Repair service
  • You have at least four negatives on the credit report at the time of sign-up.
  • You have not used a credit repair company nor attempted to repair your credit two years previously to signing up for our services.
  • You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.

Services are provided on a month-to-month basis and clients may cancel their service at any time.  At the time of cancellation, the client is eligible for a refund of their most recent monthly charge collected within the last 30-days.

Through our services, 93% of our clients see their credit score increase within the first 30-45 days. Over the full 180-day term of the contract, the average credit score increase is 80 points. There is no exact way of knowing how much one’s score will increase until it increases since we rely on the client not doing anything in the meantime that will decrease their score while we are working on the file. We will do everything in our power to increase your credit score as high as possible, including giving you the best advice as it pertains to your unique credit profile

See full statistical breakdown.

30-60 days

10 points or more 93%
20 points or more 71%
50 points or more 35%
100 points or more 25%

3-6 months

10 points or more 97%
20 points or more 82%
50 points or more 40%
100 points or more 25%

Through our services, we can normally remove the following inaccurate, unverifiable and obsolete items: bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments and tax liens.

We act as your representative due to our working knowledge of credit scoring and experience working with creditors and credit bureaus. It may often be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. If you know what you’re doing, you can repair your own credit. You can also build your own house, but would you? We specialize in nothing but credit issues, as with any specialty, the more skill one has, the better the result they’ll get. We stand behind our ability to help you in the credit arena.

  • Delinquencies (30-180 days): A delinquency may remain on file for seven years from the date of the initial missed payment.
  • Collection accounts: May remain seven years from the date of the initial missed payment that led to the collection (the original delinquency date). When a collection account is paid in full, it will be marked as a “paid collection” on the credit report.
  • Charged-off accounts: This will remain seven years from the date of the initial missed payment that led to the charge-off (the original delinquency date), even if payments are later made on the charged-off account.
  • Closed accounts: Closed accounts are no longer available for further use and may or may not have a zero balance. Closed accounts with delinquencies remain for seven years from the date they are reported closed, whether closed by the creditor or by the consumer. However, the delinquency notation will be removed seven years after the delinquency occurred when pertaining to late payments. Positive closed accounts continue to be reported for ten years from the closing date.
  • Lost credit card: If there are no delinquencies, credit cards reported as lost will continue to be listed for two years from the date the creditor is contacted. . Delinquent payments that occurred before the card was lost are reported for seven years.
  • Bankruptcy: Chapters 7, 11, and 12 will remain on one’s credit report for ten years from the filing date. A Chapter 13 bankruptcy is reported for seven years from the filing date. Accounts included in bankruptcy will remain for seven years from the date reported as included in the bankruptcy.
  • Judgments: Remain seven years from the date filed.
  • City, county, state, and federal tax liens: Unpaid tax liens remain for fifteen years from the filing date. A paid tax lien will remain on one’s score for seven years from the date of payment.
  • Inquiries: Most inquiries listed on one’s credit report will remain for two years. All inquiries must remain for a minimum of one year from the date the inquiry was made. Some inquiries, such as employment or pre-approved offers of credit, will show only on a personal credit report pulled by you.

Certain information cannot be in a credit report, including:

  • Medical information (unless you provide consent)
  • Notice of bankruptcy (Chapter 11) more than ten years old
  • Debts (including delinquent child support payments) more than seven years old

Age, marital status, or race (if requested from a current or prospective employer

With the recent downturn in the economy, many Americans have lost their jobs and are now looking for work. With such many job seekers, the market has become very competitive and finding gainful employment is difficult.

Many people have gone through interviews and performed well, only to be turned down for a position they felt would be offered to them. What these people didn’t know was an increasing number of employers not only perform background checks, but also consider potential applicants’ credit scores.

When an employer sees late payments, charge offs, and collections on an otherwise great candidate’s credit report–red flags go up. They begin to wonder if the job seeker will meet deadlines, show up late, or forget to complete tasks. If you can’t manage your finances properly an employer might assume that you won’t be able to manage the responsibilities of the position you’re seeking.

Individual

For a one-time enrollment fee of $149, we will get you started. This includes a deep credit analysis, budget and financial review, and enrollment set up. A $99 monthly subscription is required.

Discounts are available for couples and/or multiple family members.

Do-It-Yourself (DIY)

Do you feel confident that with the right tools, you could successfully correct and rebuild your credit? Back Office Credit Solutions LLC offers a DIY option for a one-time fee of $225. Please note, this does not include the deep credit analysis, budget and financial review, credit correction and rebuilding services or access to certified credit consultants.

As part of the monthly subscription service, Back Office Credit Solutions LLC will take the lead in your credit restoration process, acting as your advocate for validations and disputes with reporting creditors. When you are a subscriber, we’ll continue to address your credit, while offering you one-on-one counseling, online education on topics such as budgeting, credit, auto and home-buying, legal services, insurance, financial advisory, and more.