Frequently Asked Questions
Is CreditUs an Accredited Member with the Better Business Bureau?
Yes. CreditUs is an Accredited Member of the Better Business Bureau. It is an honor to be an Accredited Member. We've been members since 2007. Before you choose a credit repair company to work with, be sure to check their BBB report. You can help avoid scammers by avoiding companies that are not members and you can avoid frustration by avoiding companies that are members but have a high number of complaints filed. To review our rating please click on the BBB logo on our home page.
Can deleted items reappear on my credit report?
On occasion, a negative listing that was recently deleted may eventually be verified by the creditor. The Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted listing. The FCRA also makes it more difficult for credit bureaus to re-report listings. Because of these factors, it is fairly rare for listings to come back on once they’ve been deleted.
If a questionable credit item is verified at a later point in time, CreditUs will help you challenge the listing again if there are legitimate grounds to do so.
Do you guarantee your work?
It is important to understand there are no guarantees involved with credit repair. No only is it not compliant but also unethical. In fact, any credit repair company that guarantees success is not being honest with you. To make sure our customers are comfortable with CreditUs we offer a Worry Free Warranty. We also believe we offer the best warranty in the industry. If you find a better one, show it to us and we will offer to beat it.
CreditUs warranties the success of our Credit Report Repair Service with a partial or complete refund of our clients' money. Our warranty states that if, after completion of the CreditUs four-phase investigation service, a client is unsatisfied in any way and we have failed to remove at least seven (7) negative items from his or her credit reports, we will refund him or her $75 for each item under the warranty amount. An item is generated for each 30-day late deleted.
For example, if after completion of the CreditUs Credit Report Repair Service a total of only five (5) negative items have been removed or improved from an unsatisfied client's credit reports, he or she will be refunded $150 [($75) X (7 – 5)].
What could be better than a Credit Report Repair Service that warranties its performance?
Can CreditUs setup payment plans with creditors?
CreditUs is a credit report repair company, not a debt consolidation company. We work with the credit bureaus towards getting the information updated and/or deleted from your credit reports. We do not work with creditors for payment arrangements but we will provide you with the contact information from your credit reports for you to do so on your own.
Can I cancel anytime?
You may cancel within 7 days of starting our service. However, unlike other credit repair companies who can take a year or longer to complete your credit repair, CreditUs works fast to expedite your service and results. After all if your trying to purchase a home you don't want a company delaying the process to drag out the monthly payments. At CreditUs we offer one fixed price and one full service. Our contract is for five monthly payments of $99 for work completed in that prior month.
Do negative items remain listed for 7 years?
When you speak with certain creditors, their typically under-educated staff may tell you the law demands that negative listings appear on your credit report for seven to ten years.
The truth is that the credit grantor or the credit bureau can choose to delete the negative credit listing at any time, especially when you give them a reason to do so. The 7 year term is merely a time limit for reporting negative credit. Some items, like bankruptcies, may stay on a report longer than 7 years.
