Yes, credit repair is absolutely legal. Credit repair is simply the request of creditors to prove a specific item or account exists. If a creditor or credit bureau is unable to provide the requested documentation, by law, they are required to remove any inaccurate information from your report. If an item or account cannot be proven, it does not exist.
What items can be removed?
Late payments on closed accounts, collection accounts, charge-offs, medical bills, evictions, judgements, repossessions, foreclosures, discharged bankruptcies, and tax liens.
How much will my FICO Score increase by removing a negative item?
Unfortunately, there are no true algorithms for computing FICO Scores with complete accuracy. However, some items that greatly impact your credit score include: age of accounts, type of accounts (installment loan, mortgage, revolving account), debt to credit ratio, derogatory items, and inquiries. Removing derogatory items and improving your debt ratio will greatly improve your FICO Score.
How long does the process take before I see results?
Results depend on the specific derogatory accounts that exist on your credit report. A minimum of 35 days is needed to remove collections and charge-offs. A minimum of 90 days is needed for public records, medical bills, and repossessions. It can take up to 45 days for inquiry removal on your report.
When I enroll in the derogatory removal program, are all negative items reporting on all 3 bureaus disputed?
Yes, we will dispute every derogatory item on closed accounts simultaneously for all three bureaus for as long as you pay the monthly recurring fee.
Does derogatory removal also include inquiry removal?
Derogatory removal is a separate service from inquiry removal. We offer inquiry removal for Experian and TransUnion.
Why do you remove inquiries from Experian and Transunion, but not Equifax?
Equifax is constantly altering their dispute system for inquiries making it difficult to be effective and estimate results. Our process is currently only somewhat effective. We do not feel comfortable offering inquiry removal for Equifax as a service, as we work diligently to perfect our process, we hope to make this service available as soon as possible.
Is this a scam?
Fontaine Group Consulting is a reputable company committed to helping you create a higher quality of life through achieving and maintaining great credit. It is our objective to be of the highest customer service. Please take a moment to view our Facebook page, testimonials, as well as yelp.com and trustpilot.com for consumer reviews.
Is there a guarantee?
Yes, there is a money-back guarantee. We will dispute all inaccurate items on your credit report for a period of three to six months. If we do not remove a single derogatory item, or your FICO score doesn’t improve within four months of our program, we will provide you with a full refund. We have an 83% success rate in removing derogatory items. We do not guarantee the removal of 100% of the negative items from your credit report, but we will work hard for you. It's our job to get you on the right road.
Do you pay for referrals?
We always welcome referrals. Send one our way, when they sign up you will receive $25 as a token of our appreciation. We also work closely with realtors, brokers, financial and credit consultants, etc. This is ideal given the high volume of our clients who are either looking to purchase real estate and qualify for a mortgage or other financing, or are seeking business or personal credit. Click here to become an affiliate.
What is an Authorized User Account?
You may have read about becoming an AU (authorized user) on an account in order to increase your score quickly. This is referred to as the fast method to building your personal credit. This can be done with friends, family, or anyone who is willing to add you as an authorized user. However, there are some things to look out for when doing this, which we cover in our article What is the Secret to Develop a High Credit Score?. Again, we do offer these tradelines for sale. In an effort to save you money, we advise that you seek out a close friend or family member with great credit to be added to before purchasing. If you are interested in purchasing tradelines to add to your personal credit, please request tradeline availability via email at firstname.lastname@example.org.