Frequently Asked
Is Credit Repair legal?
Yes, credit repair/restoration is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. 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.
Is Credit Repair and Education worth my time and money?
Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But, it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. Most results take time and discipline. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.
What can I expect when I enroll in your Credit Repair and Education Services?
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.
What is your Money Back Guarantee?
For initial consultation fees, you are entitled to a 100% refund if:
- Sapience representative fails to show for scheduled appointment with you without notice
- Sapience representative cancels scheduled appointment and fails to contact you to reschedule within 3 business days after cancellation
For credit repair services, you are entitled to a 100% refund on all MONTHLY payments if:
- There has been no positive movement on your credit score by the 6th month of service with Sapience
- You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services
- You agree to send updated reports from the three credit bureaus to us within 5 days of receipt
(Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received)
- Sapience representative fails to show for scheduled appointment with you without notice
- Sapience representative cancels scheduled appointment and fails to contact you to reschedule within 3 business days after cancellation
For credit repair services, you are entitled to a 100% refund on all MONTHLY payments if:
- There has been no positive movement on your credit score by the 6th month of service with Sapience
- You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services
- You agree to send updated reports from the three credit bureaus to us within 5 days of receipt
(Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received)
How long will it take to raise my score?
It definitely takes time and results can vary depending on your situation and how dedicated you are to working with us to help improve your score. Through our services, we've seen some of our clients increase their score 10 points or more in the first 35 days. We've seen others increase their scores up to 80 points in a 6 month period. Again, it takes time, discipline, and an open mind to our suggestions when it comes to fixing your report and raising your score. Don't get discouraged though, it can be done.
Why are your results different?
Our results are different because we attack the root of the issue. Often times we find that clients are not financially disciplined enough in the first place, which is why they may have gotten themselves into the situation they're currently in. Once we understand what the root of the problem is, we work with the client to fix it and then everything else begins to fall into place. Also, there are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove negative items from a credit report because statistically, credit reports have errors in them 79% of the time.
Will the removed items come back?
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
What items can you help me to remove and improve?
Any item can be removed from your credit report if it is NOT reporting accurately. This includes bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.