Frequently Asked Questions

Do I need to continue paying my bills?

Yes, continue to pay your bills on time and any bad debit or collection you owe usually has to be paid in full before it can be removed from your reports in most states. Even if the account is removed, the debit could stay on your report, so it’s a good idea to pay off any debit unless it doesn’t belong to you.

Where do I get my credit reports?

Annualcreditreport.com allows you access to your free credit reports once a year from all 3 bureau’s. Access, print and mail your reports to our company after you sign up, so the credit restoration process can begin. Other ways to obtain your credit reports are directly from the bureaus: Transunion 1-800-888-4213 transunion.com, Equifax 1-800-685-111 equifax.com, Experian 1-888-3973742 experian.com

Do you offer a refund policy?

To qualify for a refund, you have to be a client of Advance Credit Services for 10 months or more. As a client you must forward all updated credit reports within a timely manner "within 10 days of receiving the reports" to give A.C.S. a chance to dispute these accounts.

Our refund policy is as follows, at your written request along with 3 current credit reports we will calculate how many deletions and/or improvements we have made to your credit files since the start date. A value of $85.00 per item ‘deleted or improved’ will be subtracted from the amount of money you paid. An application fee is non refundable the day after the third day of contract.

Example

$350.00 for 10 months service ($35.00 x 10)=$350.00

Example 3 deletions: (3 x $85.00)=$255.00

Refund: $350.00 - $255.00 = $95.00

We owe you back $95.00

You will only be charged the amount initially agreed to, nothing more. Advance Credit Services implements our $85 per item pricing for refund calculations, any extra items we remove over the amount you pay are only benefiting you and we will never charge more for removing multiple items from credit reports.

When do I get updates on my account?

You will receive updates by mail from the credit bureau’s we dispute, after reviewing reports please mail them to our P.O. Box so we continue to dispute any undeleted items.

Can I fix my own credit?

Yes you can, but if you add up the time, postage and research to communicate to all 3 bureaus and to continue the following up of multiple accounts you are requesting to have deleted or corrected, some may feel time would be better spent doing the things they enjoy. If you feel knowledgeable enough about credit repair and have time to dispute such derogatory items on your credit we suggest you do so.

How do I send you my credit reports and where?

We require all credit reports and correspondence to be mailed to our P.O. Box 600726 St. Johns, Florida 32260. We don’t accept fax or email for security and distortion reasons.

Am I tied to a contract?

No, you can cancel at anytime.

Is this service legal?

Absolutely yes, in fact we use the laws and rights under the fair credit reporting act and many other laws to pursue and correct information on your credit bureau files.

Cost

Our costs are as follows, 1 time application setup fee of $90.00 billed after you complete your application. Your account will be billed $35.00 per month thereafter for 8 months. Advance Credit Services recommends a minimum of 5  months of service to provide the highest level of results for our clients. Pay by credit, debit, or direct bank draft (ACH). We charge only for services we perform the month prior, in accordance with federal regulation we will never charge in advance for any services.

Why do I need to improve my credit?

A higher credit "FICO" score will give you a lower monthly payment and a lower interest  rate. Your chances of approval on a loan are greater, and there is a good possibility you will qualify for less money down on a loan.

Credit checks among employers are becoming more common, employers feel the way you handle your finances is a reflection of behavior in other parts of your life.

You may also reduce payments on car, life, health, home and credit card payments.

Why are their errors on my credit reports?

Its unfortunate but common, more than 70 percent of all credit reports contain errors. Its no wonder, with more than 4.5 billion pieces of data added every month it’s only a matter of time until an error occurs.