FAQ

Joe's Credit Repair


Why do I need Joe's Credit Repair service?
How do I know my personal information is safe?
How long does it take to improve my credit?
Can I apply for credit while my credit is under repair?
What payment methods do you accept?
What is your Refund Policy?
When I receive mail from creditors or credit bureaus what should I do with them?
Why doesn't Joe's Credit Repair accept faxed credit reports?
How can bad credit be legally repaired?
How does Joe's Credit Repair help repair bad credit?
Do you guarantee your credit repair service?
How do I get updates on my case?
Why does Joe's Credit Repair need updated credit reports?
How long do negative items stay on a credit report?
Why are automatic drafts or credit cards required?

 

Why do I need Joe's Credit Repair service?

If you have one negative item on your credit report, you need our credit repair service to ensure the best interest rate.

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How do I know my personal information is safe?

We don't share or sell your  information at all, we respect our customer privacy and sensitive information.  

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How long does it take to improve my credit?

All depend on how many items is on your credit report; however, It is inappropriate for Joe's Credit Repair or any other credit restoration company to promise a particular result or a certain time frame.   

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Can I apply for credit while my credit is under repair?

No. If you apply for credit while your case is under restoration process, this will cause a delay on your credit repair and void any guaranty if any.    

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What payment methods do you accept?

We Accept PayPal, debit and credit card.

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What is your Refund Policy?

Because we only charge if your item is corrected or deleted there, is no money to refund, your initial investment it's for analysis and not for credit repair service.  

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When I receive mail from creditors or credit bureaus what should I do with them?

Make copies for your reference and Immediately forward all original document to us at PO Box 343992 Florida City, FL 33034.

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Why doesn't Joe's Credit Repair accept faxed credit reports?

It's impossible to read the tiny words on the credit report; however, you can send your credit report by regular mail, via email in PDF or give us access to your online credit report.

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How can bad credit be legally repaired?

When Joe's Credit Repair dispute a negative credit account with the credit bureaus, you are demanding that they perform an investigation to determine whether or not the item should be listed on your credit reports, this is your right and is backup by law with The Fair Credit Reporting Act. 

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How does Joe's Credit Repair help repair bad credit?

Joe's Credit Repair helps clients take on their credit by disputing the inaccurate, incomplete or unverifiable negative information from their credit reports.

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Do you guarantee your credit repair service?

It is important to understand there are no guarantees involved in credit repair services by us or any other credit restoration company. 

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How do I get updates on my case?

You will receive updates every 30 days when copy from the credit bureaus arrive at your mailing address with the items deleted from your credit report, also you can contact us at any time or email if you have any question about your credit repair process. 

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Why does Joe's Credit Repair need updated credit reports?

Our ability to help you delete negative items on your credit file is dependent on having up-to-date credit reports.

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How long do negative items stay on a credit report?

The Fair Credit Reporting Act (FCRA) requires that most negative credit items remain on your credit file no longer than seven years, except for bankruptcy, which can be reported for up to ten years and in rare cases even longer. Inquiries remain on a credit report for up to two years.

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Why are automatic drafts or credit cards required?

Through the years we have found that our collections flow more smoothly with the use of automatic credit or debit card payments. We can continually work to improve your credit, help you achieve credit repair, and keep your investment at a minimum at possible.

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Credit Repair Plans

 

If you have any question about our quick legal credit repair services, please navigate to our FAQ page for more information or feel free to contact us. Thank you for visiting Joe's Credit Repair company website.