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With CCFG, the Credit Doctors!
Credit Repair FAQ'S
Some of our Most Frequently Asked Questions
Q) Why PayPal and no online payment system?
a) Security. We have no personal data anywhere on our websites. Since the world is full of hackers, we are prepared for them. PayPal has much better security than we could ever supply.
Q) CCFG doesn't say " we can get you an 800 score" Why?
a) CCFG is a no BS zone. Because credit scores depend on a ratio of good vs bad credit items on your report, no one would ethically offer a guarantee like that. We sure will not! If your report is basically blank when we are done, you will have a good score, but, no where near 800, more like about 660. But, the opportunity to rebuild a report with new accounts is there, because the burden of those old negative items is gone.
Q) I recently applied for a mortgage, and did not receive it. Now every collection agency in the Country is calling and writing me for old debts. What gives?
a) Back when mortgages were hot, one bureau came up with a marketing plan. When you have a mortgage report pulled, they (for a price) notify other mortgage brokers, who try to sell you a mortgage.. an effort to bid for your mortgage business so to speak. These days, there are few mortgage brokers, so they sell the info to the collection agencies instead. Neat plan, huh? I won't name the Bureau, but it starts with Exxxxxxn.
Q) Why don't you have an online application process?
a)Your Data is safer off line than on. No Personal Data is on any of our Web Sites.
Q) Why doesn't CCFG require auto debiting, auto bank drafts, auto debit/credit card payments like some of the other "Firms" do?
a) Life happens. Sometimes things come up that require your funds more than we do. We want to make things better, not worse by bouncing your checks because of an auto debit that you forgot. You pay us via Check, Credit Card (via PayPal) or money orders on a schedule you decide. CCFG wants to get the job done, and if you are automatically paid on a monthly basis via automatic debit whether you perform or not, why hurry?
Q) You can't really clear up a bad credit file, can you?
a) have a look at the links on the Reply Samples Page, they are actual replies that our clients got back from the Bureaus. Heavily redacted, but when you see "deleted", the item is gone forever.
Q) I have heard that "stuff comes back" on a credit report, why?
a) Actually, it's not the same "stuff", it is usually collections that have been re-sold and are now re-reporting under another name, with the same original creditor showing. If the previous collection accounts hadn't been deleted, this new one would hurt a score even more, as the old ones will still remain until their 7 year lifespan passes.
Q) A friend and I both filed bankruptcy, he is buying everything in sight, and I can't, why?
a) For one, he is paying dearly for everything he buys, a BK is never good. Another possibility it that your BK was not as "clean" as his, you may be showing some outstanding debts that shoud have been discharged.It happens a lot, and CCFG can fix that.
Q) Do you usually work both spouses reports at the same time?
a) We have done it both ways, some couples prefer to wait to work the second set of reports, while others want it all done at the same time. Either way, the total cost for a couple is the same with CCFG, we discount for the second client.
Q) Does a Score go up right immediately when an item is removed?
a) Although you would think it should, there seems to be a delay feature calculated into the Scoring Models. A Score actually tends to stairstep upwards, up a little at a time, and more over time .. that is if an item is removed today, it will help a score a few points tomorrow, but several points a month from now.
Q) Do collections have to be paid before they can be removed?
a) We have removed thousands of both paid and unpaid collections from reports, we advise that, if you do choose to pay them, let us work the file a bit before you do so. This way you can be sure that you are paying the right people.
Q) Why PayPal and no online payment system?
a) Security. We have no personal data anywhere on our websites. Since the world is full of hackers, we are prepared for them. PayPal has much better security than we could ever supply.
Q) CCFG doesn't say " we can get you an 800 score" Why?
a) CCFG is a no BS zone. Because credit scores depend on a ratio of good vs bad credit items on your report, no one would ethically offer a guarantee like that. We sure will not! If your report is basically blank when we are done, you will have a good score, but, no where near 800, more like about 660. But, the opportunity to rebuild a report with new accounts is there, because the burden of those old negative items is gone.
Q) I recently applied for a mortgage, and did not receive it. Now every collection agency in the Country is calling and writing me for old debts. What gives?
a) Back when mortgages were hot, one bureau came up with a marketing plan. When you have a mortgage report pulled, they (for a price) notify other mortgage brokers, who try to sell you a mortgage.. an effort to bid for your mortgage business so to speak. These days, there are few mortgage brokers, so they sell the info to the collection agencies instead. Neat plan, huh? I won't name the Bureau, but it starts with Exxxxxxn.
Q) Why don't you have an online application process?
a)Your Data is safer off line than on. No Personal Data is on any of our Web Sites.
Q) Why doesn't CCFG require auto debiting, auto bank drafts, auto debit/credit card payments like some of the other "Firms" do?
a) Life happens. Sometimes things come up that require your funds more than we do. We want to make things better, not worse by bouncing your checks because of an auto debit that you forgot. You pay us via Check, Credit Card (via PayPal) or money orders on a schedule you decide. CCFG wants to get the job done, and if you are automatically paid on a monthly basis via automatic debit whether you perform or not, why hurry?
Q) You can't really clear up a bad credit file, can you?
a) have a look at the links on the Reply Samples Page, they are actual replies that our clients got back from the Bureaus. Heavily redacted, but when you see "deleted", the item is gone forever.
Q) I have heard that "stuff comes back" on a credit report, why?
a) Actually, it's not the same "stuff", it is usually collections that have been re-sold and are now re-reporting under another name, with the same original creditor showing. If the previous collection accounts hadn't been deleted, this new one would hurt a score even more, as the old ones will still remain until their 7 year lifespan passes.
Q) A friend and I both filed bankruptcy, he is buying everything in sight, and I can't, why?
a) For one, he is paying dearly for everything he buys, a BK is never good. Another possibility it that your BK was not as "clean" as his, you may be showing some outstanding debts that shoud have been discharged.It happens a lot, and CCFG can fix that.
Q) Do you usually work both spouses reports at the same time?
a) We have done it both ways, some couples prefer to wait to work the second set of reports, while others want it all done at the same time. Either way, the total cost for a couple is the same with CCFG, we discount for the second client.
Q) Does a Score go up right immediately when an item is removed?
a) Although you would think it should, there seems to be a delay feature calculated into the Scoring Models. A Score actually tends to stairstep upwards, up a little at a time, and more over time .. that is if an item is removed today, it will help a score a few points tomorrow, but several points a month from now.
Q) Do collections have to be paid before they can be removed?
a) We have removed thousands of both paid and unpaid collections from reports, we advise that, if you do choose to pay them, let us work the file a bit before you do so. This way you can be sure that you are paying the right people.
Our Privacy Policy:
We do not share any of your personal information with any outside source. CCFG Credit Repair will not sell your name, address, phone number, or email address to anyone for any reason. And we won't call you or send you an email every week to entice you to join up.
$49 Enrollment, $200 on Installments!
No Interest Charges or Carrying Fees!
That's CCFG's Total Fee! Limited Time Offer!
In 2008 this was a deal at $795,
and we still have no per item charges!
This is our Bailout Special, a far better deal than
Buy One, Get One Free!
Get your own Stimulus Package started today!
Enter Your Special Pricing in the Blanks Provided on the
Application Form.
Let's Do It, Get me an Application!
No Interest Charges or Carrying Fees!
That's CCFG's Total Fee! Limited Time Offer!
In 2008 this was a deal at $795,
and we still have no per item charges!
This is our Bailout Special, a far better deal than
Buy One, Get One Free!
Get your own Stimulus Package started today!
Enter Your Special Pricing in the Blanks Provided on the
Application Form.
Let's Do It, Get me an Application!
