Is credit repair legal?
Yes. It is your right and responsibility to monitor and protect your own credit. Our credit repair method is 100% legal. We use the dispute letter method according to the Fair Credit Reporting Act, which is the only legal method out there. Unfortunately, there are a lot of scams out there that charge a low price for which you get no results. Everything that we do, you can do for yourself but if you need help from professionals who work with the credit bureaus, creditors, and these laws every day, we can help.
Is there all to the dispute process, just sending letters and hoping the creditors don’t respond in time? I can do that.
No. That is not an effective strategy. There is more to the credit repair/restoration/rebuilding process than just sending letters or proper documents to the credit bureaus. Yes, you could have prepared the necessary documents yourself, but if you do not do them properly, request your investigation properly or send the correct requested items, then you risk the chance of being ignored, receive a rejection letter in the mail or have something deleted when you really wanted it corrected, etc. Also, when the results come back to you, it is very difficult to read them or understand what the credit bureaus did. For example: the credit bureaus can delete or correct an item but did not list it in the results section. Our job is to decipher these results and to correct their mistakes, know what to do if they ignore you and how to continue. With our years of experience and experise, we can help the credit repair/restoration/rebuilding process to continue smoothly. Also, most consumers just don’t know their credit rights and what they can do to improve their credit and raise their scores. It is very similar to doing your own taxes. If you don’t know how, then you hire a professional CPA. You can also represent yourself in a court of law, but if you want a professional, then you hire an attorney. Experience and knowledge counts for a lot in this line of work. You want to get the best results possible and not spend a lot of money doing it!
What is your 90-Days, 100% Money Back Guarantee?
The goal of ACN is to remove questionable negative information from credit reports. This is not an exact science and there are cases in which we may be unsuccessful, although very unlikely. Our clients are protected with our 90-Days Money Back Guarantee. If you sign up in any of ACN’s service programs and do not see any questionable item deleted from your credit in 90 days, you will be entitled to a full refund.
How are you different than other companies?
We cannot speak for companies other than our own, yet we know that there is no one out there like ACN.
#1 – It is simple: you have a major need to remove negative items and fix your credit & we have the solution and get real results. That is most important.
#2 – Our #1 goal at ACN is to give our clients a peace of mind in the credit repair process. We offer programs backed by our 90-Days, 100% Money Back Guarantee so you are assured that you will get the real results you deserve or your money back.
#3 – We send custom written dispute letters for your particular file to the creditors as well as the credit bureaus. This increases the chances of deletion or correction. Most only dispute with the credit bureaus by sending auto pre-written dispute letters and only dispute two items each month.
#4 – You will have your own one-on-one personalized account executive to answer any questions or concerns you may have.
#5 – We have a 88% average success ratio. Wow, right?
#6 – Over half our new clients are referrals from past clients!
Simplicity is very important. You are looking for a company you can trust, one which gets the job done. You found it.
Can information be removed from my credit reports even if it belongs to me?
Any information on a credit report can be removed, but it has to be removed due to a violation of some type (which you will find described in the Fair Credit Reporting Act) (FCRA). There are many laws written to protect you (the consumer), so anything that violates these laws will cause removal of any accounts including judgments, liens, collections, charge-offs, bankruptcies and late payments that are incorrect, misleading, obsolete or inaccurate.
Can I get a free consultation (analysis and estimate) that will show me my negative items and cost?
Absolutely! Those who are qualified for the services may receive a free consultation (analysis and estimate). Analysis will tell you how many negative items are on each bureau (collection, charge-off, bankruptcy, etc.).
Estimate will tell you how much the per-item/per-bureau pricing and/or the flat fee in monthly payments would cost. Certain files will also be shown how much debt will be removed for the low cost of the flat fee or per-item pricing.
*The estimate does have an expiration date so ACN may change the estimate price at its discretion.
Is there an upfront fee on your programs?
There is no upfront fee on any of our programs but there is a File Preparation Fee due after certain work has been done by us. Our initial audit is the in depth analysis of your file, setting up your account with us and printing and mailing your dispute letters.
This may include some or all of the following:
Online client portal access
Website login set up
Opt-out pre-screen and Do Not Call registration
Negative items entered into database
30 minute welcome call & email
Full file PDF analysis uploaded to client portal
Credit and/or bureau dispute letters printed and mailed
Certified mail and letters prepared
Life changing credit repair begins!
For a free consultation and estimate, please call 833-226-2733 or send an email
*ACN may omit any of the above items in its course of business as it sees fit.
How long does the credit repair/restoration process take & how will I know what progress is being made?
It all depends on how many negative inaccurate, obsolete, misleading or duplicate items are on your credit reports. It also depends on the credit bureaus properly doing their job by heeding the federal law, Fair Credit Reporting Act. You will usually see results from all 3 credit bureaus in as little as 35-45 business days. The credit bureaus can respond faster if they gather all of the information back from your creditors in a timely manner, which by law is no more than 30 business days.
With our assistance, our clients have had great success with deletions of bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
You will be given an on-line client portal page where you can watch the progress. There is a Time Line and Progress Report as well as a Credit Analysis component.