Frequently asked questions
What is the consultation for?
The consultation is to do a complete audit on your credit report. During the consultation, we'll review your credit report and explain how our credit restoration program will help you. If you decide to enroll into the program, we will come up with a game plan for repairing your credit. However, a consultant is not required. If you choose to opt-out of the consultation process, you audit will be emailed for you to view at your own discretion.
How does credit repair actually work?
Credit Repair is the process of removing inaccurate, out of date, false, and erroneous information from your credit report. Your credit report dictates your credit score. The 3 major credit bureaus collect information from lenders, creditors, and debt collectors and apply it to your credit report. Based on that information, your credit score is determined. Our credit repair services use the credit reporting laws and expertise to remove negative items from your credit report. We also use have different methods for raising your credit score while removing the negative items at the same time.
How long will it take to repair my credit?
While we try to remove inaccurate information as quickly as possible, it is impossible to give an exact timeline as each case is different. The more items we are fighting to remove, the longer it might take. A general timeline is between 3-9 months, though sometimes it may take a bit longer or even shorter timeframe. Ask our credit specialist about our priority service that can potentially reduce your credit repair timeframe.
Can I repair my own credit?
You have the ability to dispute any information on your credit report you deem as inaccurate, unfounded, or incorrect. Many of our customers have tried doing this themselves only to find out that the process takes too long, is confusing, and full of challenges they deem too stressful to deal with themselves. We take the burden of disputing off your hands and have the ability to speed up the process through experience as well as having knowledge of the credit reporting laws.
How do I get a copy of my credit report?
We recommend 3rd party credit monitoring sites. We prefer IdentityIQ or SmartCredit, but there are others that are also good sites. We do not recommend sites that provide credit reports for free because they typically do not include all 3 credit bureaus. Here's a direct link to retrieve your credit report for only $1: https://www.identityiq.com/securepreferred.aspx?offercode=431142J6
Will credit repair work for me?
Yes. The amount of negative items that gets deleted from everyone’s credit report can be very different because no two situations are the same. If an item is not 100% Accurate, 100% Verifiable, we will work diligently until we are able to help you get it removed. In addition to working on the questionable items that may be on your credit report everyone will benefit by the additional tried and true tactics we will teach you to both raise and maintain your credit score.
When can I expect to see my credit score go up?
You may see items getting removed in as little as 30 days and your score can go up as soon as then, some processes can take a little longer depending on the responses from the credit bureaus.
What are your fees?
There is an Initial Investment to cover the full consultation, audit, and personalized game plan. This fee starts at $169, but there are other options depending on the how fast you want your credit repaired. After that, you will pay a monthly fee of $79. More services & pricing here: https://www.goelitecredit.com/services-pricing
Can I cancel whenever I want?
Yes, you can any at any time. You will just have to pay for any work that has already been completed.
Why is there an Enrollment/Audit Fee?
Because we are investing in you and we want you to invest in yourself as well.