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I’m ready to sign up right now. How do I do it?

It all starts with a credit assessment, calling us toll-free at 800-810-9099. We’re different from our competition in that every one of our clients receives individual attention from Credit Repair Experts. We formulate a customized plan of action based on your specific needs. No two clients are alike!


How much does bad credit cost?

The cost of credit repair is small compared to the cost of living with bad credit. Below are a few examples of the cost of bad credit.

Auto/Car Loan

If you are making vehicle payments, you are most likely paying between $4,000 and $10,000 more over the course of the loan just for having credit score issues. This added interest shows up every month in a higher payment. Example:

$23,000 Vehicle Financed for 5 Years

Credit StatusRatePaymentInterest Paid
High Credit Score 3% $413 $1,796
Slightly Damaged 9% $477 $5,646
Damaged 18% $584 $12,042

 

Home Loan

Damaged credit on a vehicle is nothing compared to the effect of damaged credit on a home loan. A typical home can cost between $180,000 and $300,000 more in interest of the 30 year loan, if you are buying the home with damaged credit. Example:

$120,000 home paid over 30 years:

Credit StatusRatePaymentInterest Paid
High Credit Score 7% $798 $167,410
Slightly Damaged 9% $966 $227,596
Damaged 13% $1,327 #357,878

 

$190,000 home paid over 30 years:

Credit StatusRatePaymentInterest Paid
High Credit Score 7% $1,264 $265,066
Slightly Damaged 9% $1,529 $360,361
Damaged 13% $2,1202 $566,640

 

Credit Cards

It is not unusual to not be able to get an unsecured credit card with damaged credit. The accounts you may be approved for will typically have higher rates, low credit limits, and have higher than normal penalties and fees for things like late payments.


How long does it take?

Everyone wants you to see results immediately. Although everyone’s credit history is different, most people will see progress within the first 20-45 days from the date they sign up with us. The majority of time is spent waiting for the credit bureaus to respond to requests. We take great effort in getting our process to the bureaus as fast as possible.


What if removed items reappear?

This happens occasionally either by accident or a creditor has eventually verified a particular item. This is what is known as a ‘soft delete’. The FCRA (Fair Credit Reporting Agency) has made it much more difficult for a creditor to replace an item once it has been removed. Credit Repair Experts will re-challenge the item with the full force of the prior removal in our favor.


Is this legal?

Yes, you are given the right under the Fair Credit Reporting Act (FCRA), including the right to challenge inaccurate, misleading and obsolete items appearing on your credit report. Credit Repair Experts uses every venue available to you under the law to help you assert these rights.


How is this done legally?

Disputing items on your credit report is your legal right (see the Fair Credit Reporting Act). When you use Credit Repair Experts to help repair your credit, we are abiding by and using all federal and regional laws regulating third party credit repair assistance.


What is a credit score?

A credit score is a numerical ranking system that lenders use to determine how much of a credit risk you are. A credit score is a numeric indication of how likely you are to repay debts such as loans or lines of credit. Lenders use this number to determine how much of a credit risk you are.

Credit scores also are designed to indicate your creditworthiness in comparison with other consumers.

Credit scores are based on the data in your credit report and are generated by computers using artificial intelligence. Usually a credit score is between the numbers 300 to 850. The higher your score, the more “creditworthy” you are to lenders.


What is my credit score based on?

Credit scoring is based on many factors that may include:

Amount of available credit
Payment history
Recent requests for credit
Amount of credit currently being used
Length of credit history

Under the Equal Credit Opportunity Act, credit scoring may not use gender, martial status, national origin, race, or religion as factors.


How can bad credit be deleted?

Negative credit listings are deleted from peoples’ credit reports each and every day!

Credit Repair Experts is hard at work every day challenging damaging and questionable credit entries on behalf of its clients. Utilizing proven and absolutely legal methods, Credit Repair Experts is a professional organization working for you and your credit.


Will I get results?

Yes. We know from experience that due to our one on one personal approach, our clients experience tremendous results. The ranges of success are as endless and unique as our clients. We partner with our clients, giving them every advantage they can have in the credit world. Yes, achieving results requires that we work in partnership. Your results will reflect that partnership


What is the difference between credit repair, debt consolidation, credit counseling and debt negotiation and rapid rescore?

Zenith Financial Group focuses on credit report repair. Zenith Financial Group is specializing in repairing credit reports.  We help clients repair their credit report by removing inaccurate, misleading, or unverifiable information. Debt consolidation is the process of combining all outstanding debts in one loan account. The purpose of debt consolidation is usually to lower monthly repayments or lower interest rates on the new loan.  Credit Counseling is advice given by professional counselors to people about how to use credit responsibly and how to get out of serious debt.  Debt negotiation is a 3rd party may negotiate with creditors and establishes a payment plan on behalf of the debtor.  Rapid rescore is just correcting minor problems on accounts that have already been paid.