FAQ

A: First, visit our site and sign up. In just a matter of minutes, you will get an email with simple instructions on how we can get started, but basically here is what we require upon signup.

• Last 4 Digits of SSN (Social Security Number)
• Copy of your Driver’s License
• Login Information for www.identityiq.com *This is a must*
• Proof of address (Utility Bill, Bank statement, etc)

This information can be provided by simply replying to the email you receive from us upon signup, or uploading it to our web portal. You will receive login instructions within 24 hours to the portal.

A: 

Many credit repair companies offer different plans and services. At Creditmergency, we only offer one credit repair monthly service. Whether you have 2 derogatory items or hundreds, you will always receive the same level of service!

Here’s a breakdown of our services:

Monthly Fee $59.99 – You will be billed on a monthly basis, the first month is billed as soon as we print our first round of letters. You will then be billed 30 days after.

Credit Monitoring $21.99* –  and runs concurrently with the monthly service.

It is also important to note that in order for us to keep up with the current changes in your credit, we have made it our policy to require credit monitoring service for each client.

*You have the option of choosing 2 of our preferred credit monitoring services. IdentityIQ or PrivacyGuard. We strongly recommend IdentityIQ because it easily imports into our system, and they generate reports at much faster rate than any other service we know. The more up-to-date we are with the changes on your credit, the more we can do to properly follow-up on our disputes.

A: Our credit service takes account of a thorough assessment of your report to see the problems which are harming your credit. We provide personalized and powerful credit score enhancement tips as well as ongoing dispute letters which are delivered to the credit agencies to fight out-of-date, erroneous questionable items. Every client will also be enrolled into our Credit Academy.

A: Credit Academy is an educational email campaign that we have developed to help educate our clients about the importance of credit. Credit is one of the building blocks to success. Every week, our clients will receive an email sent to their inbox with important relative information regarding credit, and what to do with it. We also answer important questions that pertain to building credit.

A: Most credit repair companies take an automated approach to fixing errors. When you hire us, we take a unique approach and create a plan specific to your goals. Part of the reason why we are so successful is because we have no problem refusing our services to people who do not need the services to begin with.

A: Our credit report process is very effective. We start quickly and keep up a steady pace all through your membership. Once your register for our services, and provided you have sent all of the information required to begin, we will send our first round of letters within 24 hours. Since it takes approximately 35 days for the letters to arrive and the dispute process to finish, clients will typically see outcomes within 35 days.

A: We offer an online portal to all of our clients. However, the online portal is only updated once a month. This is because we only log into your credit monitoring service once every 35 days in order  to get the latest and greatest most up-to-date changes  on your credit reports. If you use websites like Credit Karma, Credit Sesame, you might receive push notifications or emails of recent changes which can help you in between our month to month services. Our letters take approximately 5 days to arrive to the bureaus, and then we allow 30 days in order for the bureaus to reply to our requests. This is why, our portal is updated every 35 days or so. The same day that we update the portal, you will also receive an email notification after we prepare the next round of letters. By then, we would have already updated what is deleted and what is not, and updated the scores for the new month.

A: Results are never guaranteed. We do our best when we write these letters to speak on your behalf to get the best results in the least amount of time. We do offer a 90-day Money-Back Guarantee to anyone who is frustrated because they see no results. The clause on this is that they must have absolutely no results. We take more time than other repair companies to write letters and provide a personalized service. It’s only fair that if the work we put in, brings no results, to give you back your hard earned money.

A: Three bureau report or known as 3-in-1 reports are easy and fast for you to obtain and permit us to make a right analysis, which takes account of side by side comparison to know discrepancies between agencies that are often revealing of errors. The service is mandatory, because we need to be able to see your changes on a month to month basis. Uploading letter responses that you receive from creditors can be a hassle, with credit monitoring, there’s no need to send us the response letters.

A: We have no limit to the items that we dispute. We dispute each and every derogatory item on your credit report. Our schedules are made to give the best result in a short span of time. Because our disputes are personalized, we do not worry about throwing red flags because each and every month we are specific about disputes and avoid basic everyday templates.

A: Everyone’s case is different; however the average client is with us for 5-7 months. The extent of the program depends on many factors or items on the report that have to be disputed. Every 35 days we will dispute derogatory items on your behalf without fail until ALL items are removed or you ask us to discontinue services.

A: We always check every account to know the preciseness of the reporting; however, our program doesn’t give a remedy for legitimate credit. We don’t provide negotiation and settlement services.

When you decide to make a settlement offer, we might be capable of giving guidance; however, we don’t communicate straight with collectors or creditors. In case you have a considerable debt problem, you may need to address it before getting our service.