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Frequently Asked Questions

Q: What is a The Credit Vigilante?

A: We are a Credit Repair Organization (CRO) as defined by the Federal Trade Commission under the Credit Repair Organizations act (Title IV of the Consumer Credit Protection Act , Public Law 90-321, 82 Stat. 164). A CRO is any Company or Law Firm that engages in the business of repairing credit or legally challenging information contained in credit reports.

Q: How long does it take to increase a credit score?

A: Using standard Credit Repair (Deletions of negative information) you should see your score begin to rise in about 45 days and continue to rise for the duration of the repair process until we are finished. Using a Trade-Line-Insertion (Forcing positive credit onto your credit reports) you should see a dramatic and instant score increase in under 30 days.

Q: Will Credit Repair remove 100% of my bad credit?

A: As a recognized leader in Credit Repair, we have been successful 100 percent numerous times. We average between a 70 and 90 percent success rate at removing inaccurate, obsolete, and unverifiable items from the credit report.

Q: What items can you remove from a report?

A: Inaccurate, obsolete, or unverifiable bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, inquiries, late payments, old addresses, judgments, tax liens, identity theft, merged accounts, inquiries, and student loans. Basically anything found to be in violation of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, US-Code, Code of Federal Regulations, and state-by-state statutes of limitations.

Q: Will the removed items ever come back?

A: No, as long as the item is current or paid at the time of removal or the collection is older than three years. This holds true except in very rare circumstances.

Q: What risks will my I be taking?

A: None. The worst we can do is fail to improve your credit, in which case you will receive a full refund.

Q: How do I refer people to THE CREDIT VIGILANTE?

A: If you are an existing client, a Realtor, Loan Officer, or Attorney, simply contact us with your referral’s name and contact information. Then let them know that we will be calling. We’ll take it from there. Or simply have them call us and mention your name.

Q: I’m active duty military or an honorably discharged veteran. Do I get a discount?

A: Absolutely! The Credit Vigilante thanks you for your service and cheerfully extends a 10% discount upon enrollment. Stolen valor is not tolerated so you must present proof of active duty service or a DD-214 if you are an honorably discharged veteran. We extend this offer to Army, Navy, Air Force, Marines, Coast Guard, National Guard, State Guard, and all State’s Militia and Military Forces.

Q: I’m a first responder (Law Enforcement, Firefighter, EMS) Do I get a discount?

A: Absolutely! The Credit Vigilante thanks you for your service and cheerfully extends a 10% discount upon enrollment. You must present proof of employment.