Yes! The Fair Credit Reporting Act (FCRA) gives you the right to dispute any item on your credit report.

In short, we challenge the negative information affecting your credit by sending letters on your behalf to the bureaus. Simultaneously, we assist you with building credit to aid in increasing your credit score.

We can assist with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.

You can start to see results in as little as 30-45 days. While there is no exact timeframe we can provide by law on how long it will take to complete your profile, we recommend being enrolled in the program at least 6 months. Depending on your credit profile, it may take longer.

You can receive a hassle-free refund if all qualifications are met in the refund policy of the client agreement.

Yes, you can. However, be prepared in knowing it takes a lot of time and effort to effectively complete the job; including studying credit law to educate yourself, contacting creditors, collection agencies, the 3 bureaus, verifying information, settlements etc… Many people choose to have a credit expert complete the work on their behalf as it is their profession- similar to having a mechanic perform your car’s repair.

There is a client agreement that you must sign when you enroll with us that entails our service agreement, however, you may cancel at anytime.

No, this is one of the most common misconceptions about credit. Checking your credit score will never negatively affect your credit. All Identity IQ does is compile your existing information from Experian, Equifax, and Transunion in one setting.

No, we do not need you login details for Identity IQ. Our CRM software allows us to pull your credit report once you enroll and purchase Identity IQ. Identity IQ allows us to use a complex system to compile a full credit report audit on your behalf. Within the report, you will see any and all negative items on your report (charge-offs, collections, late payments, repossessions, etc). 

NO! One of the biggest misconceptions among customers is that paying a collection will cause the score to go up. This is not true. In fact, most collections agencies will not remove the negative item from your credit report even if you pay it. That’s why we highly recommend NOT to pay any collection while undergoing our credit repair services as it is not necessary and WON’T increase your credit score by any means

There are many different factors that can influence your current and future credit score. If, for an example, your utilization remains above 50% after all negative items are removed (such as charge-off, medical collections, etc), your credit score will still remain under 700. But if vou follow our personalized game plan for vou, we can guarantee a minimum of 720 after credit repair.

You will have full 24/7 access to our client portal. As we will receive monthly on your credit report, you will see exactly what we see. Our following disputes will be based on the current month credit report.

If for any reason you cannot log into your account, you can reset your Username and/or Password. But please be sure to notify of our team to reset your login information at Support@Credit-Masons.com

Yes, we keep all your information locked and encrypted in our servers.