FREQUENTLY ASKED QUESTIONS

CAN YOU ORDER OUR CREDIT REPORTS FOR US DIRECTLY?

You will need to obtain your own credit reports. We will show you step by step on how to order a full credit report with your FICO scores.

HOW TO RAISE OR MAINTAIN A CREDIT SCORE?
HOW IS THE PROCESS OF YOUR PROGRAM PERFORMED?

Our system is designed to be fantastically easy. Just sign up and let us get to work immediately! We keep you involved in your report so you will understand how to maintain your credit properly. We will conduct a detailed examination of your credit in light of the laws that govern the various participants in your reporting process. We will identify everything that is questionable, obsolete, and out of compliance and show you how to understand these methods. Our approach is truly effective. In addition, we provide valuable counseling services to insure that you are armed with all of the information needed to maximize and maintain your valuable credit scores.

AS A CONSUMER DO I HAVE TO DO ANY WORK?

Yes, the reason why is because by educating you and guiding you through the process, you will know how to maintain and take control of your credit worthiness. This is very important because by you as the consumer knowing how to handle your credit situation there will be no need to resign up with us again after the program is completed, or any other companies help after you have finished our program.

HOW TO RAISE OR MAINTAIN A CREDIT SCORE?
DO YOU PROVIDE ANY GUARANTEES FOR YOUR SERVICE?

We can’t guarantee you specific results. The reason being; if clients don’t follow our certain guidelines it will not produce the results they would like. We do guarantee the best service to get you where you need to be.

WHAT ARE THE CREDIT REPORT TIMELINES?
DO YOU SHARE OUR PERSONAL INFORMATION WITH ANYONE?

We do not share your information with anyone unless you authorize it. We will not share information about individual users with any third party, except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.

WHAT IS A FRIVOLOUS DISPUTE?

The Credit Bureaus (CRA – Credit Reporting Agencies) must investigate items in question unless they consider your dispute frivolous. A blanket dispute (i.e. all negative information is challenged) may be considered evidence that the dispute is frivolous, or if you fail to provide any allegations concerning specific items in your file. Frivolous disputing will unnecessarily increase the amount of time it takes to repair your credit profile and your overall success rate. This is common error made by inexperienced credit companies who simply dispute all negative items or most of your credit items on your credit report at one time without any specific basis for the dispute.

CAN RCK CREDIT CONSULTING ADVISE US ON HOW TO REMOVE A INACCURATE PUBLIC RECORD?

Every consumer’s situation is different. If you have a Public Record on your credit report that you feel is inaccurate, misleading, incomplete, or unverifiable in some way then it can be disputed. As for getting it removed from your credit report that is not something we can’t promise or confirm. However, RCK Credit s Consulting has successfully advised clients in the past on how to remove Public Records from their credit reports.

WILL YOU ADVISE ME ON HOW TO DISPUTE ALL NEGATIVE ITEMS?

No! Federal Law requires that all disputes be submitted in good faith. When you become a client of RCK Credit Consulting, you’ll complete our run down process to provide us with the necessary information about the items on your credit reports that qualify for a good faith dispute. We’ll also consult with you directly. We compile that information and use it to help you create your custom dispute letters. We advise you how to dispute any item, positive or negative, that you review and mark for dispute. Not only is our process legal and in compliance with the FCRA, but it results in more efficient and effective disputing.

Several companies out there simply take your credit reports and generically dispute every negative item without any information from you regarding the legitimacy of the negative items. Not only is this process illegal, it is ineffective and results in an extremely high return of frivolous responses.

I HAVE FAILED IN THE PAST, WHAT MAKES YOUR PROCESS ANY DIFFERENT?

Our experience, determination, and dedication to our clients in working with them hand to hand. We are more likely to anticipate the tactics and responses of the credit bureau. RCK Credit Consulting have experience in interacting with the bureaus and creditors and have gained insight in regards to advise clients on how to efficiently and effectively disputing credit report errors. We stay current on consumer credit laws and economic issues, and we utilize the newest technology and proven techniques to ensure successful removal of inaccurate credit report information for our clients.