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Frequently Asked Questions
Is credit repair possible?
Contrary to what the credit bureaus would like you to believe, credit repair does work and can work for 100% of people in most circumstances. This is, of course, provided you are getting the best advice and have an experienced professional working on your case. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit repair; however, there are times when your own limitations make adhering to this advice impossible. 80%-90% of all credit profiles have inaccuracies reported to them. You have a legal right to have them removed or corrected.

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Is credit repair legal?
Yes. The credit bureaus and creditors are required by law to follow procedures to insure accuracy in reporting. When they don't follow the law, your credit can be affected. Once you dispute an item, the law requires them to go back and make sure it is accurate or it must be removed.

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What can you do that I cannot?
Simply put, we don't do anything you cannot do for yourself, however most people do not have the time or dicipline to act on their own behalf. It is similar to the understanding that anyone can prepare their own tax returns, but most hire a professional tax preparer in order to get it done efficiently and without the hassle of learning the tax laws that will benefit them. We act as your representative due to our working knowledge of credit scoring and experience working with creditors and credit bureaus. It may often be difficult for an individual to communicate with creditors and bureaus without an adept understanding of the techniques and regulations in place for credit reporting. Often, when someone tries to repair their own credit, they do more damage than good. If the bureaus think you are trying to "clean-up" your credit, they will use stall tactics to delay or even prevent you from seeing results. Another common mistake that people make when working on their own credit is that they inadvertently give out negative information to creditors and the bureaus even when not asked. TitanCredit.com knows when to give out information and when not to, so we don't end up damaging your credit further or preventing you from getting the resolve you deserve.

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How long will it take to raise my score?
Through our services, 93% of our clients see FICO score increases of 10 points or more in the first 35 days. Over the full 180 day term of the contract, the average FICO score increase is 50-100 points. However, each clients credit needs and circumstances are different. Results may vary.

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Why are your results different?
There are two sides to the credit score battle. Sometimes, your creditors and the bureaus continue to verifiy inaccurate items as being accurate. It is frustrating to say the least, but we do not have control of the receptiveness of these 3rd parties. We do our best to fight for you and the results vary . However, typically TitanCredit.com is able to remove 70% of the negative items from a credit report. We have spent years studying credit laws along with building the best methods to work with creditors and the credit bureaus in obtaining the most optimal results. We stay educated weekly through a network of attorneys, lawmakers, and credit bureau directors in order to give us the best chance at success on your behalf.

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Will the removed items come back?
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. There are very rare circumstances, where this does not hold true.

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What items can't you remove?
Through our services, we can normally remove inaccurately reported items including the following: bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, student loans, and more.

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What items can't you remove?
There are no inaccurate items that cannot be removed. However results vary due to 3rd parties responses that we have no control over. See Our Success.

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What are some reasons credit repair doesn't work?

  1. Client continues with late payments and not paying bills.

  2. Client doesn't forward the credit bureau updates or creditor letters in a timely fashion to TitanCredit.com.

  3. Client tries to make contact with bureaus and creditors at the same time TitanCredit.com is working on their file.

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Are the credit bureaus government entities?
No, they are private companies that make money by collecting information about you and selling it to creditors. They are not obligated to insure that your credit report is accurate, that is your responsibility.

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