Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore, most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

Yes, Absolutely. We are not DEBT Erasers, but instead, credit profile cleaners. We help to clean up your credit profile using Federal Credit Laws. When an item has been deleted from your credit report, that item will no longer be factored into your score, and no longer visible to lenders. Once removed, that legal obligation to pay the debt doesn't. You will still be indebted to the creditor that you owe. We always recommend settling with the creditor once the item has been deleted.

Legally and realistically, Rae's Financial Services cannot guarantee a specific timeframe in which you will obtain results. Requests made by our staff to the credit reporting agncies, collection agencies, and the creditors, on your behalf, can range from 30-45 days depending on the status of the account and the demands that we make. The credit bureaus have a legal obligation to respond within the typical timeframe of 30 days (this can vary).

Depending on the severity of your credit profile, good credit repair can genrally take 6-9 months (this can vary).

If there are NO negative items removed from your credit report within 120 days, from the time that you retain our services, you have not used another agency or individual to attempt to repair your credit, you have have had no new collections or missed payments during the timeframe we are assisting you, you have maintained credit monitoring services at all times during your time in Rae's Financial Services Credit Repair Program, and yo have sent updated reports/responses from the three credit bureaus & creditors within a timely fashion, we will refund 100% of all your monthly payments to you, excluding your Audit/Enrollment Fee.