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  1. What if I don’t hear from the credit bureau?
  2. How often should I expect to get mail from the credit bureaus?
  3. What should I do with the credit report mail I get from the credit bureaus?
  4. What can you take off of my credit bureau report?
  5. What can you not take off my credit bureau report?
  6. Will what you take off my credit bureau report ever come back?
  7. What are the risks I will be taking with repairing my credit? Will the credit bureaus penalize me?
  8. Can I fax my credit bureau report to you?
  9. What is a Credit Bureau?
  10. Are all 3 credit bureaus important?
  11. How long does information remain on my report?
  12. Why do Credit Bureaus not want me to use a Credit Repair Company?
  13. How long would it take Viable Credit Repair to repair my credit?
  14. Does Paying Off My Bills Repair My Credit?
  15. What can I do if I have no credit at all (good or bad)?
  16. How does a Credit Bureau make money?
  17. Who can see my credit report?
  18. Why should I use a Credit Repair Company?
  19. How Does Viable Credit Repair Do this Legally?
  20. What if Deleted Items Reappear on My Credit Report?
  21. Do You Guarantee Your Service?

ANSWERS:

1. What if I don’t hear from the credit bureau?
If 45 days go by and you don’t hear anything from the credit bureaus please contact us. Sometimes the credit bureaus don’t get your letter request, and sometimes they just want to ignore you.
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2. How often should I expect to get mail from the credit bureaus?
About every 45 days you should expect to get an updated credit report.
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3. What should I do with the credit report mail I get from the credit bureaus?
Make copies, and mail it to us using the provided mailing labels.
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4. What can you take off of my credit bureau report?
We can remove unpaid collections, charge-offs, repossessions, bankruptcies, medical bills, foreclosures, tax liens civil liens, student loans, credit card debt, inquiries, old addresses, all names but one, judgments, and divorce debt so long as the items are deemed inaccurate/outdated/unverifiable.
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5. What can you not take off my credit bureau report?
Child support or anything that is considered accurate/verifiable that is reporting within the allotted amount of time.
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6. Will what you take off my credit bureau report ever come back?
We guarantee once an item is deleted from your credit report the it cannot be re-reported.
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7. What are the risks I will be taking with repairing my credit? Will the credit bureaus penalize me?
There are NO risks. The only thing that will happen is that we will make your credit bureau report better for you or refund your money.
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8. Can I fax my credit bureau report to you?
YES, only the initial one.
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9. What is a Credit Bureau?
Credit bureaus track personal, financial and credit information on individuals. This includes information taken from public records, personal identification and debt information. With the exception of back child support payments, creditors supply information on a voluntary basis. Credit bureaus are strictly private ‘for profit’ entities, and are not government institutions.
How many are there?
There are 3 major credit bureaus: EQUIFAX, TRANS UNION and EXPERIAN.
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10. Are all 3 credit bureaus important?
The three (3) major credit bureaus pass information to additional minor or less well-known credit bureaus. Each major credit bureau therefore will cover at least one-third of your total credit history. And even though your credit report may display the name of an otherwise unknown small credit bureau, the fine print will show a major credit bureau is ultimately supplying the information.
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11. How long does information remain on my report?
Credit bureaus report credit information for a period of seven (7) years. Some states have special provisions for collections and paid liens. Chapter 7 and Chapter 11 bankruptcies are each reported for 10 years, and chapter 13 bankruptcy is reported for 10 years, both measured from the date of the filing.
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12. Why do Credit Bureaus not want me to use a Credit Repair Company?
The credit bureaus will tell you that it is easier and less expensive to do it yourself. While it may be true that you have the right to repair your credit yourself, many individuals do not have the time, experience and organizational savvy necessary to deal with bureaucracies. You must also spend hours of study to gain a working knowledge of the consumer laws available to you. Many who start repairing their credit turn to a credit repair company after months of work.
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13. How long would it take Viable Credit Repair to repair my credit?
Again there is no definite answer, only definite advantages as the time varies depending on the initial credit status of each customer. On average it takes 6 months for Viable Credit Repair to repair your credit so get started as far in advance as you possibly can.
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14. Does Paying Off My Bills Repair My Credit?
You would think that would be true. But, again, the credit reporting system just doesn’t work that way.

When you pay an old debt, the negative credit listing doesn’t disappear. In fact, it re-ages and the seven year clock may restart again with that negative listing. And, the most ironic thing is that a paid, current negative listing is not any better than an unpaid negative listing. That’s not always true, but in most cases, you won’t get much further by paying the old debt
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15. What can I do if I have no credit at all (good or bad)?
In that case a credit repair service may not be the best thing for you. Lenders are typically more amenable toward extending credit to persons with no credit history, than to persons with a history of bad credit. A steady source of income, money in a bank account, or a relative willing to cosign your credit application may be all you need.
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16. How does a Credit Bureau make money?
A credit bureau is a commercial business. It makes money by selling your credit report to others. A person with bad credit means more business for them as such a person applies for credit about ten (10) times more than a person with good credit.
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17. Who can see my credit report?
Anyone who wants information for a business transaction between you and them may obtain your credit report. This may include an insurance company, a prospective landlord, a prospective employer, a collector, or a government official.
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18. Why should I use a Credit Repair Company?
The most common reasons are that individuals either have already tried themselves and obtained limited results, or they just don’t have the time to undertake this task. If you decide to use us, you can be assured that you will be receiving the best assistance and service possible.
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19. How Does Viable Credit Repair Do this Legally?
Disputing your credit report is your right. Credit restoration is as legal as pleading “not guilty” in a court of law.
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20. What if Deleted Items Reappear on My Credit Report?
On occasion, a negative listing that was recently deleted will eventually be verified by the creditor. The Fair Credit Reporting Act requires that the credit bureau inform you of reinstatement of 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 your credit history once they’ve been deleted. We take extra steps to ensure items will not be re-reported; if you believe an item has re-reported contact us and we will address it on a case by case basis.
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21.Do You Guarantee Your Service?
If we do not improve your credit, we will refund your money !
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