Is Credit Repair Legal?
Yes. Every consumer has legal rights under the credit reporting laws to dispute inaccurate, unverifiable, obsolete, or incomplete information on their credit reports.
Like all legitimate credit repair companies, Illinois Credit Services follows the laws, guidelines, and requirements under the Federal Credit Repair Organizations Act (CROA) and state laws.
We feel it's important that you know why we are qualified to help you dispute innaccuracies in your credit report: See Illinois Credit Services credentials.
Remember, the credit bureaus, big banks, creditors, and debt collectors must follow the laws too. But who's watching them to make sure they are doing their job and not incorrectly harming your credit?
Learn more about how our legal credit repair process works.
Do I have to Pay Upfront?
NO!! When we work for you, there are no upfront fees - NEVER!
All credit repair companies must complete the work they agree to perform before you are charged any fees.
With Illinois Credit Services, you will not be billed for the First Work until after the First Work is completed and you will not be billed for 14 days after you enroll.
Get started repairing your credit now. The First Work Fee of $189 will not be billed for 14 days!
Our month to month services of $89 will not be billed until AFTER each month's service is fully completed and you can cancel anytime.
Get more information about our services and billing.
Will My Credit Score Increase?
Credit scores are specific algorithms which analyze the data contained on your credit report and assign a number (your credit score) to predict the likelihood of your future performance on your obligations. Specifically, your FICO credit scores are predicting the likelihood of you becoming 90 days or more delinquent within the next 2 years on one of your obligations.
Removing or correcting inaccurate negative information from your credit report may improve your credit score but since there are so many moving parts....so much information being considered and the credit scoring models are so complex - it is difficult if not impossible to predict, promise, or guarantee any particular results. Therefore we do not promise, guarantee, or predict that our services will improve your credit scores or that you will be approved for a loan. The reality is that no one can predict the future and determine, in advance, the results of the credit repair process.
To see some samples of the real results of the responses our clients have received directly from the credit bureaus CLICK HERE to see samples of OUR RESULTS
"Before I hired Illinois Credit Services, I had a rap sheet similar to the amount and kind of detentions I received in high school - lengthy and bad. My credit score was in the mid 500's. Now, after some time and patience - just over a year, I am now at a 792 ..."- David
Your results may vary, but See more Testimonials from our clients.
How Much Does it Cost?
First things first. Remember....you do NOT pay upfront.
The First Work Fee is charged AFTER our work is fully completed and the charge is only $189 for an individual to enroll in our services. You will not be billed for 14 days after you enroll. Each month after that, you will be billed $89 AFTER each monthly service is fully completed. You are not obligated to any minimum time period....you can cancel anytime.
BIG DISCOUNT: For two individuals enrolling together as a Joint Enrollment....the 2nd person will receive a 50% DISCOUNT! The First Work Fee for a Joint Enrollment is $279 and the Monthly Fee is only $129 That's right!! ONLY $129 total for BOTH individuals! That's a savings of 50% each month you are enrolled. We have had great success working with couples, but you don't have to be married to get the Two-person discount. Just enroll together and save. Learn more about our Pricing.
Can I Dispute Everything on My Credit Report?
According to the Fair Credit Reporting Act (FCRA), a consumer can dispute any information on their credit report which they believe to be unverifiable, inaccurate, obsolete, or incomplete.
Remember, you have a legal right to 100% accuracy of all of the information contained on your credit reports. The FTC reports that 78% of ALL consumers have errors on their credit reports.
To identify the unverifiable negative information on your credit report, Illinois Credit Services will provide you with a Disclosure of Information to be Disputed, so you can identify for us which items you believe are unverifiable or inaccurate and you want us to dispute on your behalf. It's easy!
A consumer can not, by law, dispute information that they know is 100% accurate.
How Soon Will I See Results?
The credit bureaus are obligated to follow the credit reporting laws and therefore, they must properly handle credit disputes. This includes completing a proper investigation and responding in a timely fashion. They must complete their dispute investigation within 30 days.
Never dispute your credit electronically online!! To learn why disputing online is a really bad idea - see the next question: "Should I Dispute Online?"
If you have obtained a copy of your credit report through Annual Credit Report, the credit bureaus have 45 days to complete their investigation rather than 30 days.
Therefore, you should generally receive the results of their investigation within 30-45 days.
Should I Dispute Online?
While it may appear convenient to process a dispute electronically online....it is NOT in the best interest of YOU the consumer.
Make no mistake about it - online disputing is far more to the credit bureaus advantage than it is yours.
The credit bureaus will make it easy for you to dispute online but remember this....there is a good reason. They are not just being nice to you.
The dispute process is one of the biggest (if not THE biggest) expenses for the credit bureaus. It is a neccesary and very expensive process mandated by federal law. Remember, the FCRA (Fair Credit Reporting Act) states that the credit bureaus must complete a reasonable investigation within a reasonable timeframe. So, to save money, time, and to cut expenses....the credit bureaus encourage consumers to dispute online because it is cheaper and faster than any other dispute method for them - NOT YOU!
On-line disputes may be fast, but don't be in a hurry, It may not be the result you want. To speak with a credit expert and learn more about why disputing online is a bad idea - CLICK HERE
Can I Cancel Anytime?
Yes. You can cancel our services at anytime for any reason. We work for you only as long as YOU want us too. It is up to you how long we work for you - not us. There are no cancellation or termination fees.
On average, our past clients have chosen to purchase 5-6 separate months of our services.
Can I Repair My Own Credit?
The short answer is Yes, every consumer has a legal right to repair their own credit.
It's not a matter of could you but a question of should you?
In order to properly repair inaccurate bad credit, it is helpful to understand the credit laws, rules and guidelines which govern the credit system. During an investigation into the credit bureaus and the difficulties individual consumers can face when attempting to dispute items on their own credit, CBS 60 Minutes news correspondent, Steve Kroft commented that it is very difficult for the average person to fix such problems themselves. Watch the 60 Minutes report on credit disputing
Remember....the credit bureaus, big banks, creditors, and debt collectors are NOT here to help YOU with your credit! They exist to make profit. Period.
Do you really believe that these corporations will do anymore than what is legally required to help you?
The dispute process is a necessary evil for these companies. Processing consumer dipsutes is a big expense for the credit bureaus and they make no profit from it. Therefore, they want to stop the dispute process as soon as they can to cut the expense.
Illinois Credit Services knows the credit system and the credit laws. We have helped thousands of consumers through our proven system of repairing bad credit
How Long Does it take to Fix Bad Credit?
Every consumers credit is different and when unverifiable negative information is disputed, the responses from the credit bureaus and creditors can vary. On average, our past clients have chosen to subscribe for 5-6 months of services but ultimately it is up to you how long you wish to subscribe to our services. You are never locked into a minimum number of months. You can cancel at anytime without any cancellation penalties or fees.
Do I Need to Pay My Bad Debt?
Credit disputing and the credit repair process does NOT eliminate a legal obligation you may have to pay a debt. One of the most important aspects of having good credit is paying your bills on time. Just because your credit report reads that you owe a debt does not necessarily mean that you have a legal obligation to what that information is stating.
The Federal Trade Commission reports that 78% of all consumers credit report contain errors.
Conversely, it also does not mean that you do not owe a debt if the information is not contained in your report.
ICS will never recommend that you do not pay a legitimate debt however, there is information you should be sure to consider and how making a payment could have an impact on your credit report and scores. For example....did you know that if you make a payment on an old collection on your credit report that it could actually DROP your credit scores!?!
For more information and a Free Initial Consultation - CLICK HERE
Is Credit Repair the Same as Debt Consolidation or Bankruptcy?
NO. Illinois Credit Services does not provide debt consolidation or debt settlement services. We are not attorneys or a law firm and therefore, we do not offer bankruptcy services. We are credit experts. We offer credit repair services to repair unverifiable, inaccurate, or obsolete negative information on your credit report.
Is Credit Repair for Me?
If you believe you are one of the 78% of all consumers which the FTC states have errors on their credit reports, then credit repair may be for you. Remember, credit repair does not eliminate your legal obligations to your debt and you should always pay your bills on time. If you can not afford to pay your current bills on time, then credit repair may not be for you. Give us a call at 630-427-8500, to receieve a Free initial Consultation with a credit expert.
How Can I Recognize Credit Repair Scams?
There are a lot of credit repair scams out there. ICS does not participate in illegal or unethical credir repair practices.
You should be aware of any person or company suggesting any of the following:
- Credit Sweeping - that they can delete accurate information
- Get you a new identity
- or require upfront payment before their services are completed
All of these are illegal and you should avoid doing business with any company or person suggesting such things.
Remember credit repair is legal and we are a legal, ethical and registered credit repair organization.
View our State Registration Statement
Can Deleted Items Come Back on My Credit Report?
All creditors, debt collectors, and any furnishers of data to the credit bureaus have a legal obligation to report accurate information. They do not have to report information but the information they do report must be accurate. Each data furnisher must follow all applicable legal requests to verify and/or validate the information they are reporting. If a legitimate debt is owed and a data furnisher has followed all of the credit reporting laws Then it is possible for an item to reappear on a credit report. At Illinois Credit Services, we dispute inaccurate information for correction or deletion and if, for any reason, any inaccurate information is reported again to your credit report after it has been deleted ....we will dispute the inaccurate information until it is verified, corrected or deleted.
What Kinds of Bad Credit Can Be Deleted?
For our past clients, we have had nearly every type of unverifiable information deleted from the credit reports. We have DELETED -
- Late Payments,
- Civil Judgments,
- Incorrect Balances,
- Employment Information.
To see dozens of samples of our results, including copies of the actual Credit Bureau responses (confidential info redacted) , Click Here
If it's Deleted, Do I Still Owe the Debt?
Credit repair does not eliminate your obligation to pay legitimate debts. Credit repair is the process of working towards repairing inaccurate, unverifiable, or obsolete information. If you owe a legitimate and legal debt but it is deleted from your credit report for any reason, you will still owe the debt.