Are your results guaranteed?

Because no two credit histories are the same, it’s impossible to guarantee a specific result for you. We can challenge up to 5 negative marks on your credit report monthly. Most clients see the results their looking for in 4-6 months.

What is the Fair Credit Reporting Act?

The fair credit reporting act is a US Government law that regulates what can be reported on your credit report. It’s good to know your rights. A link to the Fair Credit Reporting Act can be found here: http://www.ftc.gov/os/statutes/031224fcra.pdf

Can I do credit repair myself?

Yes. If you make yourself familiar with the Fair Credit Reporting Act, you can challenge derogatory marks yourself. It is complicated and very time consuming, so many people choose to defer it to experts. It is your right however, to do it yourself.

If you are enrolled and wish to cancel the program, you can do so at any time. We need the following information from you in order to process your request:

1. First and Last name
2. Phone Number
3. Address
4. Reason you wish to cancel

How much of my time is needed to participate in this program?

Very little. Most of your work is up front. You’ll need to provide documentation to us including a copy of your drivers license, social security card (or a W-2 with your SS number on it), and a recent utility bill. You’ll also need to furnish a copy of all three credit bureaus credit reports. You can get them yourself, or simply purchase one.

Once this work is complete, we’ll begin working on your behalf to restore your credit. You’ll get monthly updates via our website. From time to time, we may need to contact you to get additional information.

Have you been turned down for credit?

It can happen to anyone – white or blue collar, married or single, rich or poor. You get turned down for a loan, an apartment, a checking account, a job or a promotion because of negative items or errors on your credit report. When credit is offered, smug lenders insist you pay outrageous interest rates.

25% of consumers experience this frustration. Some attempt to clean up their own credit reports, but find the process intimidating and ultimately unsuccessful. And the risks are huge. If the credit bureaus “verify” any items you dispute, you’re stuck with them for years to come. That’s why we recommend working with a qualified expert who will evaluate your credit reports and decide what items should be challenged.

At Personal Credit Services, the process starts by having us review your credit reports. From there, items will be selected that can be challenged. You will be able to log onto a personalized website to see the progress of your account. This site will be updated to show you what has been challenged and removed on a regular basis. What’s on (and not on) your credit report, affects how long it takes for positive changes to show up in your credit history.

Let us help you rebuild your buying power. Investing today to re-build your credit will pay for years to come in savings as you qualify for prime interest rates. Here’s an illustration how damaged credit affects your buying power.