Frequently Asked Questions
How do you restore bad credit?
E-Link Global Services offers three levels of service. Our Standard retainer utilizes targeted disputes based upon the Fair Credit Reporting Act in order to delete inaccurate, untimely, misleading or unverified information from you credit reports. Our Enhanced service upgrades incorporate additional strategies pursuant to other consumer protection statutes.With each service level, you use Dispute Valet to indicate to us which items you wish to dispute, and how you want us to dispute them. Once we've received your credit reports, we will prepare the appropriate intervention or dispute letters. The dispute letters are designed to communicate your dispute in such a way that the credit bureaus will accept the dispute and conduct an investigation. The Enhanced retainer expansions add interventions such as escalated account investigations, goodwill interventions, formal requests for debt validation, and more...
You do have the right, under federal law, to conduct your own credit repair process if you so choose. While this may sound easy, any person who has attempted to dispute items on his own credit report may tell you otherwise. According to federal law, the credit bureaus can ignore your dispute under a variety of conditions.
At the conclusion of the credit bureau's investigation, a new copy of the credit report should be sent to your home along with any deletions or improvements. You then copy and send us the new credit report. If you are still not satisfied that the questionable, negative credit has been accurately resolved, the cycle will begin again.
A disputed credit listing must be accurate, timely and verifiable for it to remain on the credit report. If the credit listing is only somewhat inaccurate, the credit bureau may simply change the item to reflect the accurate status. Very often, though, disputed credit items cannot be verified: the creditor either no longer possesses the information or does not wish to go to the trouble of verifying it. Also, the reinvestigation must be completed within 30 days, though the credit bureaus do not always meet this deadline, or the listing must be removed. For these reasons, properly disputed questionable credit listings have been removed with remarkable frequency.
Q: How long does it take to fix credit?
A: This depends on the persons situation. Some credit reports
we can fix in 30-60 days while others can take 6-12 months.
Everyone is different but the majority fall in between the 30-90 day
buffer.
Q: Do you guarantee your service?
A: It is important to understand that there are no guarantees in
credit repair. However, we do have a 110% money back guarantee
with certain criteria. Unlike other credit repair
companies, if we think we can't fix your credit, we will tell you
so.
Q: Why do you need up to date credit reports?
A: Our ability to fix your credit will be based on your credit standing today, not six months ago. Without copies of your CURRENT credit reports, we can do very little to help your credit.
