Sammy Dodd, CEO and Founder once struggled with his credit and could not buy a home. Determined he was going to fix his credit; Sammy was trained by the Credit Repair Industry’s top professionals and consumer protection attorneys. Sammy wants to use his skills and knowledge to help others in NC and other states we serve achieve their credit goals. Even if you don’t live in a state we serve, we will refer you to another company that is reputable and reliable.
We have compiled a list of questions we are commonly asked. You will find answers to many questions, however, this is not a complete list of answers. If you do not see the answer to your question below, feel free to send us an email and we will be happy to answer any question you may have.
Pre-Litigation disputing is a concept that employs unique dispute letters and other communications with the data furnisher (creditor) and credit bureaus that are factual. These letters are prepared in a simple and easy to understand dispute so there is no question(s) as to what is being disputed or challenged. If the furnisher or credit bureau does not correct or update the item in question, you would likely have a good case for litigation or arbitration. Each letter is written with the fact in mind that it could end up in the hands of a judge or jury. Many in the credit repair space, especially those who tailor to those who are seeking DIY or Self Help, employ cookie cutter templates mainly called “609” letters, that are usually not factual claiming “not mine, never late”, “prove it or remove it”, or cite the law or case law that is not applicable to the situation. The “609” dispute letter method is often deemed frivolous and ignored.
Just as the question suggests, many of our clients will be referred to our national network of consumer attorneys. When you schedule your Free Consultation, we do an initial assessment of your credit reports. If your credit reports have what our attorneys are looking for, our attorneys will take your case right out of the gate! Our attorney network trusts our process and our Quantum Matrix Dispute Technology™ to build your case for maximum results. This helps to remove the negative and inaccurate items from your credit report and getting you paid a handsome settlement, or judgement. This is why we can say you get paid for fixing your credit.
There are 2 reasons Smart Credit or MyScoreIQ is a requirement. The first is to initially audit your credit reports for your Free Consultation appointment to give you a road map to better credit, and to determine your initial eligibility for our Attorney Direct Credit Repair Program. Secondly, we use this to monitor your progress as we proceed with your services. Also, everyone should have credit monitoring to keep up with their credit file and score. Unlike many credit monitoring services, both provide data from all 3 bureaus. You are free to cancel once we have finished the work on your credit file, but we highly recommend you keep some sort of credit monitoring to keep you up to date on your credit profile and score.
Get Smart Credit HERE
Get MyScoreIQ HERE
The cost for these services is only $1 for a 7-day trial. Then a small monthly fee. If you do not sign up for one of our credit repair programs, you are free to cancel the service. If you do enroll in our credit repair program, you must maintain your subscription for the duration of your service. If you are a client in one of the states we do not service, we will check with the CSO that our attorney will be working with, if that company requires Smart Credit or My Score IQ, we will let you know so you can keep the service to meet that requirement, if not you will be free to cancel if that CSO has no credit monitoring requirement or if the CSO uses a different provider.
There are often issues when a Credit Repair Organization (CRO) communicates with the credit bureaus and furnishers in first person (sending letters as if the client wrote them themselves). Also, recently the Consumer Finance Protection Bureau (CFPB) has issued guidance to the credit bureaus where they can ignore first person communications if they believe its source is a CRO. The court system is cracking down on this practice because often time the consumer has no clue what is sent in their name. The POA resolves these issues and grants us the authority to communicate on your behalf. It has been shown that communications on company letterhead and a notarized POA are more effective and taken seriously. Also, this POA may become crucial in later stages of the program.
The Power of Attorney only grants The Credit Dispute Center the authority to communicate to the credit bureaus and data furnishers on your behalf. We do not have the authority to conduct financial transactions, open, close, or apply for new lines of credit.
There are many varying factors that will determine how long your program might take. Some results can be achieved with the very first dispute! While others may end up in litigation. Reasonably, you can expect around 1 year to complete your service. However, this will depend on many factors such as dispute response, the bureau’s or furnisher’s willingness to settle, and the backlog of cases in court or arbitration.
Yes, if the debt is within the statute of limitations, but not because the dispute provoked the lawsuit. Chances are the furnisher had intentions of suing to begin with. Therefore it is critical to ensure your disputes are factual. This could provide a good solid defense, or grounds for a counter claim. Remember, every communication could end up in the hands of a judge or jury. We are not attorneys, but in the event you are sued, the attorney in our attorney direct program will defend you, or if you are in our Quantum Matrix program we can refer you to our nationwide network of consumer attorneys ready to defend you and potentially counter-sue.
Yes. There would be two reasons for this. The first is the furnisher verified the information after the 30-day required reinvestigation. If this happens the credit bureau(s) are required to send you a letter of reinsertion within 5 days of the reinsertion. This is a rare situation, but it can happen. The second and more common reason is the furnisher who deleted sells or transfers the debt to a new debt buyer or debt collector.
First Work is onboarding in the program which includes; a deep analysis of your credit profile and a verbal plan of action including determining which program you qualify for. Also we generate online disputes or letters to update the credit bureaus with your current personal information so the old and obsolete information is purged. Also this includes document preparation for our Attorney Direct Credit Repair Program which prepares your files for your attorney. You are not charged for First Work until this is complete. This is considered completed once you have been given the audit results, Credit Repair Plan qualification and game plan, Documents have been collected and prepared for the attorney, and personal information update letters have been generated.
All payments are handled through Escrow.com. We NEVER ask for your Credit/Debit Card or Bank Account information EVER! Through escrow, we do not get paid until we have proven that we have performed our services as promised in our service agreement. This is a layer of protection for you to ensure you recieved the service you were promised. This is what sets The Credit Dispute Center apart of most other credit repair companies.
We do however accept cash and check payments from local clients only (Craven County NC) who are meeting face-to-face.
With the ever-changing regulatory requirements on Credit Repair, we at The Credit Dispute Center want to stay one step ahead of the game. Using escrow has many advantages for you. Many consumers want to pay for our services in advance so they don’t have to worry about the hassle of monthly payments and recurring transactions on their card. With escrow you can deposit as much as you like into your account, we can only withdraw funds from the escrow account for the work we have done. Also with Escrow.com we have to prove we did the work before funds are released. This adds a layer of security for you because we have no control of your escrow account, and we don’t get paid unless we do the work as promised.
It honestly depends on the situation. We do have an application that will help us determine if you are a good candidate for our credit repair program and which program you qualify for. We will NOT turn down any client for the Free Consultation and anyone can enroll in our credit classes, however credit repair is not the answer for everyone. We do offer other services that could be a great benefit such as our credit builder resources.
Yes and No. The Credit Dispute Center is based in North Carolina, but we can serve clients with performing credit repair services in multiple states. Here are the states we serve:
*We may receive compensation or commission on referrals to network attorneys and credit repair partners. This compensation is paid by the referred law firm or company and not by you.
ABSOLUTELY NOT! Credit Sweeps employ the tactic of filing false police reports, and generating identity theft disputes. This is not only an unethical practice, but is HIGHLY ILLEGAL in which both the CRO and Client face major legal ramifications. It also does the client more harm when the disputed items reappear on the credit report.
If this happens, you will likely have a good solid case for litigation, because our letters are designed to build a case. This is why we do Pre-Litigation credit repair with our Quantum Matrix Dispute Technology™, and our Attorney Direct Credit Repair. With your consent we will forward your file to our network of consumer protection attorneys. This is a free service that is included in our agreement. The Credit Dispute Center will make no representation of attorney acceptance of case nor the final outcome of potential litigation.
While it is possible, it is unlikely. There are no guarantees on what may happen when a dispute is sent out, in fact multiple people can have the exact same item on their credit report, and the exact same dispute. I will guarantee that there will be multiple different results. This is why we prepare each file as if a judge and jury would be looking at it, you just never know where your disputes may end up. We can say that many derogatory items can be removed, but to say 100% would be foolish. Regardless, by doing credit repair you should have a much better-looking credit report by the time the program is finished. Although, if you are on our Attorney Direct Credit Repair Program, if the remaining errors we identify are still on your credit report, perhaps it is even more possible if the attorney files for litigation or arbitration.
No. Credit repair can only get inaccurate information deleted or fixed on credit reports. The only way credit repair can assist with debt is if it goes to litigation where a judge rules in your favor. If you are seeking to get out of debt, there are many resources available to consumers such as, debt consolidation, debt settlement, or bankruptcy. We can assist you in finding the right solution for you.
Absolutely. As a consumer you have the right to dispute anything you feel is inaccurate on your credit reports for free. Think of credit repair services like Jiffy Lube. You can change your own oil, but many elect to take it to a service shop to do the work. We do caution if you elect to do credit repair on your own, do your research, learn the laws and proper techniques. There are many resources online that mislead and could cause more harm than good. Remember, every communication you send could end up in the hands of a judge and jury. Be sure you are clear, concise and to the point. We do offer a Self-Service Credit Repair Program with consumer attorney access and support.
It depends if the CRO is also licensed to do debt settlement. Most are not. The Credit Dispute Center is only bonded to do credit repair but endeavors to expand and pursue other aspects of consumer advocacy so perhaps this may also be available in the future. However, our network attorneys may be able to negotiate debt settlements and may be either paid through your settlement or judgement, or your debt could end up dismissed in litigation.
Our goal is to not only fix your credit, but to teach you how to maintain it. Check out the Education tab for more info.
ABSOLUTELY NOT! Please see the next question below about our name change.
There are 2 main reasons we changed our name.
Work hard pray harder.
ACTS 2:37-40
