FAQ’s
Here, you’ll find answers to commonly asked questions about our credit repair services, processes, and more. Whether you’re curious about how credit repair works, our pricing structure, or how long it takes to see results, our FAQ page has you covered. Browse through our comprehensive list of frequently asked questions to gain a better understanding of how Upline Credit Services can help you achieve your credit goals.
What is Credit Repair?
Credit repair involves challenging and disputing inaccurate information and negative items that may be negatively impacting your credit profile. If the credit bureaus and your creditors are unable to verify the accuracy of these negative items, such as collections/charge offs, late payments, car repos, evictions, medical bills, and more, they are legally obligated to remove them from your credit reports. By successfully disputing these items, you can improve your credit standing and increase your chances of obtaining better credit terms and financial opportunities.
Do I need Credit Repair?
If you have collections/charge offs, late payments, hard inquiries, Repos, evictions, bankruptcies, medical debt, credit card debt then YES! You need our credit repair services to help you get back on track and remove these items so you can increase your scores!
Will paying my bills help my credit?
Unfortunately paying your collections doesn’t help your credit. When you pay an old debt, the negative credit item doesn’t disappear, but is typically listed as a paid delinquency, charge-off or collection. If your goal is to repair your credit, just paying off your debts won’t get you there, dispute these instead.
My Credit is really bad, can it be repaired?
We cannot guarantee anything but we promise to help you work to challenge any unfair or inaccurate negative items hurting your credit profile. Our team will perform in depth credit analysis to check all information across the 3 credit bureaus such as misspelled names, dates, balances, and many more. We will also provide coaching on how to maintain a good credit score.
Can I repair my credit if I signed up for a debt consolidation program?
Yes! You can still sign up for our services and we will help you remove your collections/charge offs, late payments and many more!
Can I repair My own credit?
Sure! You will need to call the credit bureaus and your creditors to address any errors on your credit. There are steps that need to be done before disputing your negative items. This process is time consuming and confusing. Working with New Gen Solutions can help you fix your credit in months not years! You can also purchase our DIY Credit Repair Kit so you can have a step by step guide to repair your credit.
Is Credit Repair illegal?
No! You have the right to a fair, accurate and substantiated credit profile. We use FCRA, FDCPA consumer laws to challenge the negative items on your credit report.
What can be removed from my credit report?
Anything inaccurate, unfair or unverified can be challenged with the bureaus and your creditors. This includes collections, late payments, charge-offs, liens, bankruptcies, repossessions, hard inquiries, medical bills and more.
Can you remove a REPO?
We can help you remove a Repo. It could take 3-6 months.
Can you remove a student loan debt?
We can only help dispute student loans sent to collections.
Can you remove a personal loan?
We can help dispute personal loans that are charge offs or sent to collections .
How soon can I see results?
Results can be seen as early as 30-45 days depending on your credit.
How much is your fee?
Our setup pricing ranges from $199 to $249 and monthly fees between $69 – 1.59.
Will I need to keep paying My credit monitoring software?
Yes, you need to keep your credit monitoring until we’re done with the credit repair process. Order Credit Report Here
Is it a money back guarantee?
If we were not able to remove any negative item within 90 days, you will receive a 100% refund.
What are your operating hours?
We are open from 8 AM to 6 PM, Monday to Saturday. We’re closed on Sunday. Holiday hours may vary, so please call or check our website for specific information on those dates.
What do I need to get started with the credit repair?
Book a free consultation and sign up for a credit monitoring so we can discuss your goals and what needs to be done on your credit situation. Book Here