FAQ

  • Frequently Asked Questions

FAQ

What makes your company different from other credit repair companies?

For beginners we will never charge you any upfront fees. We also will not charge you any monthly fees either. We will only charge you for the results that we have delivered to you. Some companies do not do much work. Not only do we dispute items with the 3 credit reporting agencies, we also send disputes directly to your creditors, collection agencies and even court houses!

We do 100% full disputing process, not just the simple bureau dispute. We do not charge any extra for our direct dispute approach! You will also have one dedicated credit expert to work just on your process and you will always be dealing with the same person every time you call.

When will I start to see the results on my credit report?

Some clients start to see results within the first 35-45 days, however, results do vary from client to client. Your credit profile is like a finger print. Everyone’s is different.

What will I get with the program?

When you sign up for the program, we will help you remove inaccurate, unverifiable, and untimely negative information from your credit report to raise and rebuild your credit score.

How long will the process take?

Results vary from client to client. Credit profiles are like finger prints. No one has the same as another. Remember, we don’t charge any monthly fees so there’s no cost for staying in our program for a longer period of time. The only guarantee that we provide is that if we help you we charge you. If we do not help you, we do not charge, so our interests are aligned. We are performance based.

How do I send you my credit report?

We will log in to your credit monitoring service every month so we can track your progress and update your file.

Is it better to use a 3-1 credit report?

Yes, this allows you to see the information from all three credit bureaus at one time instead of flipping through different reports.

How many accounts do you challenge at one time?

We can challenge as many as you want.

Can my spouse sign up?

Yes. If your spouse signs up with you, you will get a family discount.

Will our personal information be shared with anyone else?

No, your personal information is safe. The only time your information would be shared is if we are working with an affiliate partner who is involved in the dispute process.

Can your service help me get ready to apply for a home loan?

We attempt to get your credit profile as healthy as possible, but remember that your credit score and profile is only one of many potential factors that could get you approved for a loan. We suggest you consult with your loan officer.

Will you dispute with creditors and collection agencies?

Yes, we challenge all inaccurate information when necessary.

I have more questions, who can I talk to?

Call us at 561 208 1105 or Email us at info@libertycreditexperts.com. You can also visit our website and use the contact form.

How much will it cost?

We charge an initial credit report audit fee of $250.00 for an individual account and $350.00 for a joint account after we have performed the audit and reviewed your credit report with you. This analysis includes a thorough detailed report about what may be bringing your credit score down as well as information about what you need to improve your overall health of your credit profile.

If you are happy with the analysis and are ready to move on to the improvement process, we will charge you a fee ONLY for the results we have given you. There are no monthly charges. You will be billed for the negative items that we were able to delete or repair during the dispute process. You are free to cancel at any time. You will not be charged until the work is actually performed.

SINGLE ENROLLMENT
FREE Setup
FREE 24/7 File Access
AUDIT FEE $250.00 (One Time Charge After Audit Has Been Provided)

DELETION PRICE SCALE
(Prices per item per bureau)
Only charged if successfully deleted, removed, or repaired.

Personal Info $30/Del
Inquiries $30/Del
Collection (Medical) $50/Del
Collection (Non Medical) $50/Del
Authorized Users $50/Del
Late Payments / Charge-Off’s $100/Del
Evictions / Foreclosures $150/Del
Public Records $150/Del
Repossession / Voluntary Surrender $150/Del
(Prices per bureau)

DOUBLE ENROLLMENT
FREE Setup
FREE 24/7 File Access
AUDIT FEE $350.00 (One Time Charge After Audit Has Been Provided)

DELETION PRICE SCALE
(Prices per item per bureau)
Only charged if successfully deleted, removed, or repaired.

Personal Info $20/Del
Inquiries $20/Del
Collection (Medical) $40/Del
Collection (Non Medical) $40/Del
Authorized Users $50/Del
Late Payments / Charge-Off’s $90/Del
Evictions / Foreclosures $140/Del
Public Records $140/Del
Repossession / Voluntary Surrender $140/Del
(Prices per bureau)

How do I get started?

It all starts with a credit assessment, which you can get by visiting our Prices page or calling us at 561 208 1105. We’re different from our competition in that every one of our clients receives individual attention from Liberty Credit Experts.

We formulate a customized plan of action based on your specific needs. No two clients are alike!

Is this legal?

Yes, you are given the right under the Fair Credit Reporting Act (FCRA), including the right to challenge inaccurate, misleading and obsolete items appearing on your credit report. Liberty Credit Experts uses every venue available to you under the law to help you assert these rights. Credit repair is so legal that the government even enacted a federal a law called CROA (Credit Repair Organizations Act), to govern credit repair companies.

FAQ DIDN’T ANSWER ALL YOUR QUESTIONS?

Here are some important information you might want to know:

Audit Fees

We charge an initial credit report audit fee of $250.00 for an individual account and $350.00 for a joint account after we have performed the audit and reviewed your credit report with you. This analysis includes a thorough detailed report about what is bringing your credit score down as well as information about what you need to improve your overall credit score.

If you are happy with the analysis and are ready to move on to the improvement process, we will charge you a fee ONLY for the results we have given you. There are no monthly charges.

You will be billed for the negative items that we were able to delete or repair during the dispute process. You are free to cancel at any time. You will not be charged until the work is performed.

Per Deletion Fees

After each round of disputes, we will audit your credit reports again to update your file. A fee will ONLY be charged for the negative items that have been deleted or repaired.

Many credit repair companies will charge you a monthly fee and try to keep you in their program for as many months as they possibly can.

We do not charge any monthly fees.

We only get paid if we perform! You will only pay for the results that we have already delivered to you. Since we only get paid for achieving results, it is in our best interest to deliver results as fast as possible, or we don’t get paid.

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