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| Frequently Asked Questions |
- I'm ready to sign up right now. How do I do it?
It all starts with a free consultation, Step 1 ~ we need to review your online 3 in 1 credit report. We formulate a customized plan of action based on your specific needs. No two clients and credit profiles are alike!
- How long will it take to restore my credit?
Clients normally start seeing changes in 14-30 days or less depending on the selected programs. This may depend on what type of accounts your credit report has reporting on your file. like public records, bankruptcy, judgments, tax liens, charge off, collections, etc. We get quicker results with the Equifax Sweep. If you want cleaning for all 3 bureaus this can been done with really great results in 14 to 30 days depending on which cleaning program you select!
This includes late pays, Public Records, BK's, Foreclosures, Charge offs, Liens, Judgments, etc.
- How can credit be repaired, even if negative items are actually mine?
All items that show up on your credit must follow rules/laws or it can legally be disputed and removed. Currently there are 214 laws that almost every item on your report is in violation of.
The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.
- How much are your rapid credit cleaning services?
Inquire to see if we have some special pricing for the bureau cleaning for the Month! Our clients vary from having a few late payments to having charge offs, bankruptcies, foreclosures, collections, repossessions, public records, etc. Therefore it will be quoted on a case-to-case basis in your free consultation.
Some companies will charge from $200 to $300 each to remove public records like BK's, Foreclosures, Tax Liens, Judgments, etc. Currently the public records removal is included for a "limited time" in the service! Send us your bureau online access to review your report for quote.
- How do I make payment?
You can make payment via Direct deposit or a Bank Wire. And with some selected services we take credit cards
We get lots of responses daily and will never be able to answer all questions. If you want to get things moving immediately click the Contact Page. If you do have further questions let us know how we can help you! please click the contact us link or email us @ info@rapidcreditcleaning.com Understand that it might take 24-72 hours for a reply back.
- What is a tradeline?
A (borrower) tradeline is a new or seasoned credit line that the account holder originally established and is financially responsible for. Which could be a major credit card, auto, installment, mortgage, etc. If you need a jump start on your fico scores, this is a great way to add up to 100+ pts to your scores quickly wit au via/mc/amex or primary lines! Credit card accounts up to $50k limits and up to 30 years old!
- I have worked with other "credit repair companies" in the past and have had poor results. What makes your company different?
Google the term " Credit Repair" and you will find Hundreds of Companies that offer Credit Repair.
We refer to traditional credit repair companies as "dispute mills", and by virtue of how they conduct business results are generally unfavorable. Our comprehensive approach to personal credit involves addition of positive trade lines, removal of negative accounts, removal of inquiries and advanced credit cleaning techniques. We don't use dispute letters like 90% of the repair companies send out to the bureaus.
We use both dispute and direct account submission to the bureaus to get results done much more quickly! Do you real have 1 year or more to put your life & finances on hold waiting for your credit scores to improve?? YOUR TIME IS WORTH MONEY! AND YOU CAN'T MAKE UP FOR LOST TIME AND LOST OPPORTUNITIES OUT THERE!
- Who can use this service?
We have individuals that need from 1 to 40 negative items removed, Some need a quick 40-50 point FICO Boost to close on a house or Refinance. We have some of the best credit cleaning and boosting methods around!!
- Can your service help Mortgage Companies or Auto Dealershps?
Imagine your client credit needing only 30 points that qualifies him/her for only 5% down rather than 10% as a down payment. That could be the the difference between a closing or another lost client.
Furthermore, what about all the clients that you had to charge them a higher interest rate due to credit issues, now you can call them up, offer our services and they can refinance at a lower rate. You win and the client loves you.
Auto Dealerships throw away Hundreds of Clients a month that could be saved using our services. If you are an owner of a Dealership and you don't have your salespeople calling Trash Leads and turning them into sales... You are missing the Money Boat. Equifax Credit Sweep can get your client's into that a new auto loan quickly!!
- I just have lates on all 3 credit bureaus! But just want Equifax done! Can you help me?
Yes, we can just clean Equifax for you. And you would just pay for this bureau cleaning.
- Can you help me get some funding after cleaning my report?
Yes, we can help you. Some of the lenders we use is Equifax for personal unsecured funding. After cleaning up your report, we can assist with applying for funding that's between $25,000 to $75,000 with a min. 720+ fico scores needed!
- Can I dispute items on my own report?
Absolutely! You have the right to dispute all items on your credit report. The problem is time, dedication and knowing which law was violated and attaches the law with the item you want to dispute. This can take 6 months or years of many dispute letters. Oftentimes, credit bureaus know how to keep you down as a consumer until they just give up.
- There are companies that charge a low monthly fee, why don't you do that?
Those companies that charge a setup fee and money each month drag their feet and drag the process out month after month after month. They dispute a couple of items at a time. Think about it, if they fixed your credit in one or two month, would you still pay your monthly fee? So, when people balk at our price. I laugh and tell them to go use any of those other online companies. Then, after 6 months to 1 year and only a few of their negative items are gone or none, they will come back and ask you to renew for another 6 month or 1 year contract. There are other companies and Law Firms that charge $2,500 for service comparable to what we have to offer.
- What kind of credit cleaning warranty do you offer?
It is unlawful for any credit repair company to guarantee their service. Due to the fact that if a company reports an item to the credit bureaus without violating 1 of the 214 laws, THAT ITEM MIGHT NOT GET REMOVED. However, over 97% of all items reported on your credit have violated 1 or more of the laws which protect the consumer.
With over 15+ years experience in credit repair industry and we have many Mortgage Companies send over their clients for Quick, Legal and Precise credit cleaning. If we are not able to remove even 1 negative account within 90 days we will be happy to refund you the monies which hasn't happen yet. We have many happy clients with over 700+ fico scores over the many years!
- CPN/SCN 2nd Profile
We have 2nd Profile Packages with 3 seasoned trade lines and you can add additional au accounts. You will have a 720+ fico scores with funding available up to $40k.
- Is Your House UNDERWATER? Get a Principal Reduction!
In most cases, today's loans are securitized and when a homeowner requests a Securitization Audit to be done, it is consistently found that the securitization process was not correctly done.
One of the more common examples of a loan that has not been correctly securitized when we conduct the Securitization Audit is the fact that the note and the deed have been separated and have taken distinctly separate paths.
Typically, this means a couple of very important things: First - any foreclosure action being taken against the homeowner is a wrongful foreclosure, illegal foreclosure, or fraudulent foreclosure - whichever term you prefer. Second - There is something the homeowner can do to prevent losing his home to this wrongful foreclosure -IF he will just take action.
A Securitization Audit is an in-depth investigation of the securitization process of a mortgage.
Inquire to see if this program is right for you. Get Principal Mortgage Reduction down to current market value for your house so you can keep your house! Now you won't have to sell or walk away! Good Credit or Bad Credit is okay! We have options for either!
- Managed Forex Trading Accounts
Make money in the largest trading platform in the world with over 3 trillion dollars traded daily worldwide! Get high returns annually!!
- STOP my Foreclosure Sale!
If your property is located in California and you have a trustee sale coming up. We can help STOP your sale quickly! No payment until we delay the foreclosure sale! Contact us for more details.
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