• WHAT IS CREDIT REPAIR?

  Credit repair is a service provided under the CROA act that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated or unverifiable. Any credit repair agency that claims to be able to remove ANY and EVERY item other than those identified above is in violation of the Credit Repair Organizations Act (CROA).

• HOW DO I GET STARTED WITH HIGH RISE CREDIT? 


  You can start and sign up online 24/7 in just three easy steps. It's takes about two minutes. As soon as you sign up you will receive a welcome email and within 24 – 48 hours one of our credit specialist will assist on getting your initial credit reports and scores and perform a credit audit on all three credit reports. If you have current credit report we can always take at look at them for you. If you sign up today we should have your first round of work done and expecting results in 30-60 days! This is the best proactive step you can take, risk free to better your credit situation with the assistance of experts in the industry.

• WHAT’S THE COST TO REPAIR MY CREDIT?

  High Rise Credit offers 3 different plan options, discounts and a do it yourself option as well. Our Programs are designed to be very affordable but still offer a customized and tailored solution with a superior service. Not a computer automated service like other companies. Why pay and still have to do the work yourself? Not Here! There is a one-time Credit Audit/First Month work fee and a recurring monthly fee on a pay as you go, no contract or commitment required bases. At High Rise Credit we charge only after work is completed, not in advance. It’s a simple, Hassel free, month-to-month, cancel anytime Program with no obligation! Check out our 100% Money Back Guarantee*

• DOES HIGH RISE CREDIT CHARGE ANY ADDITIONAL FEES?

  There are NO additional fees At High Rise Credit. We provide a non-automated full credit repair service. We take care of everything credit related so you can sit back and relax while we go to work. High Rise Credit only charges an initial Audit/First months work fee and subsequent monthly fee on a pay as you go bases.

• WILL IT HURT OR LOWER MY CREDIT SCORES TO GET MY CREDIT REPORTS? 


  At High Rise Credit we recommend a soft pull credit inquire from a third party of your choice (we assist with this step as needed) or a free annual credit report thru a government approved site like annualcreditreport.com. A soft inquiry will not affect your score since you are not asking for any type of credit line or loan and it’s only for personal purpose.

• HOW SOON SHOULD I START TO SEE RESULTS?

  Upon signing up online or with one of our credit specialist, High Rise Credit should have your first round of work sent and processed within five business days from your start date. Credit Bureaus have 30-45 days by law to process all paperwork submitted. You should see initial results in about 30-60 days from start date from each credit bureau. This results process is ongoing as long as you are in the program or receive the results you are looking for. You can cancel at anytime you are satisfied with your results.

• HOW LONG DOES IT TAKE? 


  Just like your social security number, Everyone’s situation is unique. That’s why at High Rise Credit we take a detailed look at all 3 credit reports to come up with the best strategic solution to your problems. Our goal is to improve both your credit reports and credit scores at in a short time frame. The Duration of our program depends on the number of items on your report that need to be worked on, results you are looking for and response time from credit bureaus and/or creditors. High Rise Credit’s Programs are all pay as you go, no obligation. If you are happy with the results you get in 3 months or if you get the extra points you needed to qualify… you are more than welcome to cancel. Once you sign up we will review your credit report and give you a better assessment of your time frame. Please keep in mind the Credit bureaus take 30-45 to respond and send back results and updates.

• HOW MANY TIME WILL YOU WORK ON A SPECIFIC ITEM FOR ME?

  


  Based upon your specific situation we dispute items every 30-45 days. Most companies in the market today may have you to do the disputes yourself or they will randomly challenge items expecting great results with no real plan or science behind it. At High Rise Credit we have scheduled and designed our repair process to deliver optimal result in the shortest time possible. We do not automate or challenge every item like others do. We strive to produce the best results possible for our customers.

• DO YOU OFFER A GUARANTEE? 


  Yes we do! High Rise Credit offers a 100 % Money Back Guarantee. If you do not see an improvement in any of the 3 major credit bureaus, or we are not able to remove any of the items you hired us to work for you in a period on 180 day (6 month), customer will receive 100% of the total payments made to High Rise Credit. We do not keep 1 Cent! No strings attached. Just allow our experts 6 months to work on your case and earn the full money back guarantee. No one in our business can predict a specific outcome or results, but we can assure you that we will do everything possible to maximize the likelihood of great results. Our Guarantee gives you the peace of mind you need to get started today hassle and risk free. Please visit “OUR GUARANTEE" PAGE TO READ MORE.

• HOW CAN I GET THE COUPLES DISCOUNT?

  


  You do not have to be married to get the discount as long you can provide proof of joint living situation and sing up together at the same time. High Rise Credit will apply your couple’s discount immediately. Enjoy!

• WILL HIGH RISE CREDIT HELP ME BUILD NEW CREDIT?

  At High Rise Credit we know the dispute process is complicated and tedious and we got you covered, but that is only part of the equation. With out credit building assistance feature included with every program, High Rise credit will assist you in obtaining new credit lines, to better boost your credit score and credit situation to the best of our knowledge. We scatter the credit world for the best options to fit your needs and best chances of approval.

• HOW MUCH CAN I EXPECT MY SCORE TO GO UP? 


  Because there are no two-credit reports that are exactly the same. This means that improvements we make on one person's credit may or may not improve the score as much as another's. Past customer have experienced up to 200+ points, increase while others just get the 20 points jump they needed to qualify for their Loan. Everyone's results will vary, but you can be certain we will get you the best results possible. And with our 100% money back guaranteed you get extra peace of mind.

• I JUST SIGNED UP, WHAT HAPPENS NOW?

  1. You'll receive a welcome confirmation email and phone call from High Rise Credit within 24-48 business hours for you initial consultation and credit audit.
  2. We'll provide you with a special secure online account so you can keep track of our progress 24/7.
  3. You'll see your credit reports from all three credit bureaus (We assist you with this step)
  4. Receive your customized and tailored plan to take your personal goals and credit improvement to a better standing.
  5. Start seeing results in as little as 30-60 days!
  6. Track your credit report, scores and progress throughout the duration of your service (you'll watch it all happen through your online portal)
  7. After you graduate from our program we assist our customer obtaining new credit line to even boost more your credit report and scores.
  

• WILL ONE PERSON BE MY ASSIGNED TO ME? 


  There will be a team working on your case (usually two to three), and generally we have all of our clients supported by our entire team. However, if you want one person we can provide that as well. It's your choice. Your customer’s portal lets you communicate with your case advisors directly. Take advantage of this amazing feature.

• HOW DO YOU RESTORE BAD CREDIT? 


  We review your credit report and see what's holding your credit scores back and get right to work disputing any inaccurate, untimely, misleading, biased, incomplete or unverifiable items on your credit report. Addressing them accordingly and utilizing different laws like FCRA (Fair Credit Reporting Act) and other laws applicable to increase your credit scores. At the same time providing a tailored plan to avoid future credit problems and credit education along the way to make sure you have a healthy and accurate credit life after any High Rise Credit Program. We Go Above and Beyond to avoid repeat customers.

• CAN BAD CREDIT BE LEGALLY REPAIRED? 


  Because you are responsible for ensuring that your credit report is accurate, laws were enacted, specifically the Fair Credit Reporting Act (FCRA) to assist you. The FCRA gives you the right to contact the credit bureaus directly to dispute items on your credit reports. You can dispute any and all items that are inaccurate, untimely, misleading, biased, incomplete or unverifiable. Any item that cannot be verified on your credit report must be deleted. Goodwill Creditor Interventions may also be used to address an item on your credit report directly with your creditor. Also, the Fair and Accurate Credit Transactions Act (FACTA in situations where identity theft is concerned. Thousands of people have legally and successfully restored their credit and increased their credit score simply by enforcing their own legal rights. This type of process can be done individually if you have the time, and of course the patience, for the learning curve involved and tedious process if you don't have the right tools and guidance.

• DOES PAYING OFF MY BILLS REPAIR MY CREDIT? 


  Unfortunately, the credit reporting system doesn't work that way. When you pay your debt, the negative credit listing doesn't disappear. There is little difference between a paid negative item on your credit report, or an unpaid one. You can always call and Talk to our credit expert and see what is the best option in your specific case.

• CAN I PAY MORE TO SPEED UP THE PROCESS?

  


  To make it short… NO. We want to service your case as fast as possible. We would love for a legal way to make things just disappear in a couple of days. However it’s just impossible. From the time the credit bureaus receive your dispute, they have 30-45 days to respond by law.

• WHEN I PAY A CHARGE OFF OR A COLLECTION ACCOUNT WILL IT BE REMOVED FROM MY CREDIT REPORT? 


  A paid in full collection account still reflects negative history on your report because it still shows up as a collection account but now it reflects a zero balance. How much does this help your score, or does it even help at all? Does it help it enough in relation to the hard earned dollars used to pay it off? Would the money used to pay off the debt be better used as a down payment for a home or auto? These are the types of questions that have to be answered in order to decide if it is wise to pay off an old debt. Simply throwing money at old debts can be a huge waste of your hard earned cash, and can actually set you back substantially. 
Even though it is difficult to 100% restore your credit without paying off any of your outstanding debts, you should selectively pay off only the old debts that prohibit you from obtaining financing for a home, auto, etc. However proceed with extreme caution because paying off an old debt can actually hurt your credit by bringing the old account “current”. Negative items on your credit report are allowed to stay on your credit report for a maximum of seven (7) years, except for bankruptcy that can stay for up to ten (10) years. This 7 or 10-year clock begins ticking at the date of last activity. Making a payment represents new activity and restarts the clock.

• IS CREDIT REPAIR EASY? CAN CONSUMERS DO IT THEMSELVES?

  RestoriAng your own credit is like changing your own car oil, fixing your own car or representing yourself in court; it is possible, but you have to be willing to invest the time to learn the processes, assume the risks of inexperience and realize that it will probably take you much longer with little results as opposed a professional that does this everyday of his life. But, it can be done – there are no rules of any kind against it. Think of it this way, skilled Credit Professionals start working on your credit Day 1 and getting you results from a proven legal method as apposed to a consumer having to devote lots of time to simply begin to learn the entire process while doing all the follow up tedious work.

• ARE THE CREDIT BUREAUS ARE A BRANCH OF THE GOVERNMENT?

  


  The credit bureaus are for profit companies. They are not government agencies of any kind. But, they are one of the most heavily regulated industries. 
A recent survey by an independent research group revealed more than 79% of credit reports contained mistakes or errors. The prevalence of errors has lead to consumer protection legislation that allows consumers to challenge the bureaus and force the removal of inaccurate, outdated or unverifiable information.

• IF A NEGATIVE ITEM IS SUCCESSFULLY DELETED FROM MY CREDIT REPORT, WILL IT JUST COME RIGHT BACK ON MY REPORT? 


  The credit bureaus will often delete negative listing if they have not heard from the credit grantor for 30 days since an item has been disputed. Should the credit grantor submit verification a week or two later, it will be re-inserted. (We know how to handle this cases for you) Most of the time the creditor simply fails to respond and the negative item are permanently deleted. With High Rise Credit you are covered! We will work those accounts at no extra cost any previously deleted item that comes back on your credit report for free. No additional cost.

• IT IS ILLEGAL FOR CREDITORS TO TAKE A NEGATIVE, ACCURATE LISTING OFF MY CREDIT REPORT? THE LAW REQUIRES THAT THESE ITEMS REMAIN ON THE CREDIT REPORT FOR AT LEAST SEVEN (7) YEARS.

  This is not true – there is absolutely NO requirement for any item to stay on your credit report. The law limits negative information from appearing longer than the legal seven or ten year maximum. The credit grantor or credit bureau may choose to delete the item whenever they see fit. We have seen many credit collection companies attempt to unlawfully collect on debts that are older than 10 years. Plain and simple, if you don’t know your rights and the laws then you can easily be swindled into paying obsolete debt that may in fact harm your credit instead of help boost your credit scores. Proceed with extreme caution when dealing with Credit Collection Companies.

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