CreditBooster411:::

How can I get started?
1. Sign up with www.truecredit.com and try to get a merged report.
2. Count your inquiries on Experian, Transunion and Equifax
3. Fill out the form at https://www.creditbooster411.com/contactus.html or call us at 310-295-0143 to order. We have security certificate (SSL) installed on our website so your information will be safe, please provide all information that we ask in the form to prevent a delay.
4. As soon as the payment goes through we will process your request.
5. You will be able to see your inquiries removed online.
Lead time/Prices.
(We have bulk prices as well for large files. Please call for details)
Experian: 20-35 days/$30 per inquiry.
Equifax: VIP service – 1-5 days/$50 per inquiry. 15-20 days /$30 per inquiry
TransUnion: 14-30 days/$100 per inquiry (most difficult credit bureau)
Can I represent your services?
Yes, YOU CAN become our representative and earn 10%. Please call 310-295-0143 for details.

Do you have franchise opportunities?
Franchise opportunities are available as well, the cost is $20,000.
Note: You can earn it back in as little as 1 month.
(Our informational package will be sent to you by mail with everything that you need to start your new business)
Credit Inquiries

What is a credit inquiry?
A credit inquiry is an item on a credit report that shows a business with a "permissible purpose" (as defined under the federal Fair Credit Reporting Act) has previously requested a copy of the report.
Not all credit inquiries count toward your FICO® score.
When you check your credit report, you may notice that a number of credit inquiries have been made, sometimes from businesses that you don’t know. But the only inquiries that count toward your FICO score are the ones that result from your applications for new credit.

Inquiries that count toward your FICO score.
There is only one type of credit inquiry that counts toward your FICO score. When you apply for a mortgage, auto loan or other credit, you authorize the lender to request a copy of your credit report. These types of inquiries, prompted by your own actions, appear on your credit report and are included in your FICO score.

Inquiries that don’t count toward your FICO score.
Your own credit report requests, credit checks made by businesses to offer you goods or services, or inquiries made by businesses with whom you already have a credit account do not count toward your FICO score. Credit checks by prospective employers also do not count. These types of inquiries may appear on your credit report, but they are not included in your FICO score.

How credit inquiries are factored into FICO scores?
There are five types of information used to calculate a FICO score at any given point in time. Each type of information counts as a percentage of a total FICO score:

Payment history	= 35%
Amounts owed	= 30%
Length of credit history	= 15%
New credit	= 10%
Types of credit in use	= 10%

These percentages are based on the importance of the five categories for the general population. For particular groups, such as people with relatively short credit histories, the importance of the categories may differ.
Inquiries are a subset of the "new credit" category shown above, which accounts for 10% of the total FICO score. Their importance depends on the overall information in your credit report. For some people, a given factor may be more important than for someone else with a different credit history. In addition, as the information in your credit report changes, so does the importance of any factor in determining your score. What's important is the mix of information, which varies from person to person, and for any one person over time.

Inquiries may or may not affect your FICO score.
A FICO score takes into account only voluntary inquiries that result from your application for credit. The information about inquiries that can be factored into your FICO score includes:
·         Number of recently opened accounts, and proportion of accounts that are recently opened, by type of account.
·         Number of recent credit inquiries.
·         Time since recent account opening(s), by type of account.
·         Time since credit inquiry(ies).
A FICO score does not take into account any involuntary inquiries made by businesses with which you did not apply for credit, inquiries from employers, or your own requests to see your credit report.
For many people, one additional credit inquiry (voluntary and initiated by an application for credit) may not affect their FICO score at all. For others, one additional inquiry would take less than 5 points off their FICO score.
Inquiries can have a greater impact, however, if you have few accounts or a short credit history. Large numbers of inquiries also mean greater risk: People with six inquiries or more on their credit reports are eight times more likely to declare bankruptcy than people with no inquiries on their reports.

What happens when you apply for credit?
When you apply for credit, you authorize the lender to ask for a copy of your credit report. This is how voluntary inquiries appear on your credit report.
The inquiries section of your credit report contains a list of everyone who accessed your credit report within the last two years. The report you see lists both voluntary inquiries, spurred by your own requests for credit, and involuntary inquiries, such as when lenders order your credit report to offer you a pre-approved credit card.

Will my FICO score drop if I apply for new credit?
If it does, it probably won't drop much. If you apply for several credit cards within a short period of time, multiple inquiries will appear on your report. Looking for new credit can equate with higher risk, but most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of time. Typically, these are treated as a single inquiry and will have little impact on the credit score.

What to know about "rate shopping."
Looking for a mortgage or an auto loan may cause multiple lenders to request your credit report, even though you’re only looking for one loan. To compensate for this, the score ignores all mortgage and auto inquiries made in the 30 days prior to scoring. So if you find a loan within 30 days, the inquiries won't affect your score while you're rate shopping. In addition, the score looks on your credit report for auto or mortgage inquiries older than 30 days. If it finds some, it counts all those inquiries that fall in a typical shopping period as just one inquiry when determining your score. For FICO scores calculated from older versions of the scoring formula, this shopping period is any 14 day span. For FICO scores calculated from the newest versions of the scoring formula, this shopping period is any 45 day span. Each lender chooses which version of the FICO scoring formula it wants the credit reporting agency to use to calculate your FICO score.

Improving your FICO score.
If you need a loan, do your rate shopping within a focused period of time, such as 30 days. FICO scores distinguish between a search for a single loan and a search for many new credit lines, in part by the length of time over which inquiries occur.

Generally, people with high FICO scores consistently:
·         Pay bills on time.
·         Keep balances low on credit cards and other revolving credit products.
·         Apply for and open new credit accounts only as needed.
Also, here are some good credit management practices that can help to raise your FICO score over time.
·         Re-establish your credit history if you have had problems. Opening new accounts responsibly and paying them on time will raise your FICO score over the long term.
·         Check your own credit reports regularly, and before applying for new credit, to be sure they are accurate and up-to-date. As long as you order your credit reports through an organization authorized to provide credit reports to consumers, such as my FICO, your own inquiries will not affect your FICO score.

CREDIT REPAIR

How long does it take?
Everyone wants you to see results right away. Most people will see progress within the first 45 days after they are enrolled into program. Obviously, everyone's credit situation is different. Most of our time is spent waiting for the credit bureaus to respond to our requests and we pride ourselves on getting those disputes to the bureaus as fast as possible. An average person has 7-10 inaccurate, misleading or obsolete items on each credit report. It take on average abut 6 months to complete the program.

Does it matter which state I live in?
No. The credit bureaus are regulated by the Fair Credit Reporting Act which is a federal law. We have clients nationwide. Your rights are the same whether you are in Alaska or Alabama.

How long does it take after I sign up to receive my credit reports?
There is no definite answer. We typically suggest that you will receive your reports within 60 days of signing up. If you do not, you can always contact a representative or email us for an update of your service.

How many Credit Bureaus are there?
There are 3 major credit bureaus: Equifax, Transunion, and Experian

Can student loans be removed?
Late payments on student loans can be removed.

Can inquiries be removed?
Yes, a creditor must provide documentation showing you applied for credit with their company, if they do not provide proper verification then the item is removed.

How much does your service cost?
We have two payment options:
The price for our credit repair program is determined on the individual basis. Our counselors have great experience in dealing with credit reporting bureaus. Once they review your credit report they can give you a program price estimate. We an also break down your payment into several installments. Regardless of which payment option you choose, everything is covered, including the initial copies of your credit reports needed to begin your service. We acquire them for you, so you don't have to, and we're the only company who does this for you.

How will I know it works?
Every time you receive updated credit reports throughout your service you will see items that have been changed, updated, or removed. If an item is changed or updated, it generally means that there was negative information associated with that account (such as a late history) that has now been removed. If an account was removed all together from your credit report, it means that the item was a negative listing against you. Usually these items are collections, charge offs, foreclosures, etc. Every report you receive as a results of our efforts means your credit is improving and your score is increasing!

What do credit bureaus do?
Credit bureaus have huge databases on the credit histories of consumers. This information is gathered and given to the credit bureaus from creditors that have extended you credit in the past. Your credit history contains information that creditors use to evaluate and determine your ability and willingness to repay credit. Typically, credit bureaus give the following information: Your open accounts, credit limits, current balances, number of late payments, collection actions, tax liens, and whether you own your own home or not.

I have bad credit now. Do I have to wait 7 to 10 years before I can get a loan?
On the practical level you can have an A-rated credit report within 2 years of even bankruptcy. Why? Because lenders are much more interested in your present circumstances than what happened to you 3 to 10 years ago. Rebuilding your credit can be done rather quickly through a systematic plan, and a little perseverance. Also keep in mind that positive credit information stays on your credit report forever. The credit reference agencies only hold information for six years, whether positive or negative.

Can I restore my own credit?
Yes, you can. You can also represent yourself in a court, fix your own car, build your own computer and do your own yard work. We are a service company. Just as you are probably better at what you do than we would be, we are probably better at credit repair than you would be. We offer experienced, professional help at very affordable rates for your convenience and benefit.

What can you remove?
Our company can help you with your credit by removing negative items off of your credit reports as well as inquiries.
Our company can remove:

-bankruptcies

-judgments

-collections

-charge-offs

-repossessions

-foreclosures

-tax liens

-late payments

CREDIT REPORTS

What is a credit score?
A credit score is a number that reflects your risk level, as an individual consumer, as determined by the credit bureaus. The higher the number, the lower the risk will be to the lender.

As you apply for credit, the lender will check your ability to pay back that loan. The more negative marks you have on your credit report, the less likely you will be granted the loan or credit purchase you requested. Only the credit bureaus know the exact formulas they use to determine these scores, which generally range from 350 (lowest) to 850 (highest), and the calculation method varies from bureau to bureau.

What kind of information will be on my credit report?
Credit reports contain a listing of some or all of your credit accounts that have been active at some time within the last 7 years. They also contain any public records (Chapter 7 bankruptcies are reported for 10 years), current and previous addresses, current and previous names, a listing of potential creditors who have received your credit file and other miscellaneous information the credit bureau has about you. Each account listing generally has your account number, the credit limit, your current balance and your previous payment history. This payment history contains notes of late payments, any collection or transfer history, whether the account was included in bankruptcy and the current payment status of the account.

Can I see my credit report?
Generally credit grantors are not allowed by the credit bureaus to show you your own credit report. But you can purchase your credit report from the credit bureau for a fee. However, you may find it hard to read because the information is listed in an unfamiliar code. We will obtain the credit report for you and explain you what each record means.

Who looks at my credit report?
In many situations your credit report will actually become your identity. People will know you not by who you are, but by what is reported about you from the credit bureaus. Obviously, those reports can be extremely damaging especially if they contain incorrect, misleading or obsolete listings. Property managers, lenders, insurance companies, prospective employers, anyone who wants to know who you are can get access to your credit file.

What does the credit monitoring service do for me?
You receive online monitoring alerts that inform you of important changes to your credit file, including:
- Derogatory information
- Credit Inquiries
- Newly opened accounts
- Several indicators of possible credit fraud

How long have you been helping people with credit repair?
Each member of the credit team also has extensive training and experience, including a minimum of an associate's degree. Each specialist has at least 3 years of credit repair experience. If there is ever a situation that requires escalation, a lead expert with a minimum of 5 years of credit repair experience will consult on your file and decide the most appropriate course of action.

How often can I get updates?
We do understand that your credit situation is extremely important. With that in mind, we encourage you to contact us as often as you need. We will update you every time we receive confirmation from credit bureau that the derogatory information was removed from your file. We go beyond normal expectations to keep you informed. Your satisfaction is our best advertisement.

CPN…Is it Legal?

Specifically there are no laws that say that consumer cannot develop or obtain the additional supporting criterion to apply and obtain credit as long as it is not done with the intent to defraud. The legality of creating a new credit file has always been a topic of great debate. The credit file is based primarily on the fact that there is no intent to defraud and or make untrue misrepresentations. It is the belief of many professionals, that it can be done legally as long as no fraud is intended (intent is the key word).

A: NO; it is not a second Social Security Number. Your new 9-digit number will be assigned to you for credit establishing purposes only. You will continue to use your SS# for employment, taxes, state benefits and for your driver’s license.

A: YES; You can use your new credit profile obtain major credit cards, department store cards, gas cards, auto loans, bank loans, and any other type of financing you desire.

A: In most cases no, remember one of the criteria for using your current social security number is for employment. Employers have to use your social security number to report wages earned and taxes owed to the IRS by law.

Q: Does this affect my driver’s license, current SS#, or any other personal identification?

A: No. This program utilizes the law to establish a completely separate and legal entity from your current individual profile. Your name, drivers license and other forms of ID will not need to change in any shape or form.

Q: What about on a credit application, won't they ask me for my social security number?

A: Credit applications will always ask for a social security number because this is the most convenient way for creditors to get a hold of as much personal information as possible. But with this type of credit re-establishment through a completely separate and legal entity, they will require the new entity information which will be in the form of your new profile information including new 9-digit number. Your new 9-digit number will be the identifier for your new profile and not your social security number. Also remember, you do not have to release your social security number without mandatory disclosure.