Q.  How is bad credit removed from my credit report?

A. Everyone knows that under the law, if you are accused of anything, the burden of proof lies with your accuser. In other words, if the credit agencies are going to promote and sell information about you that can cause you economic hardship, they must back it up to the full letter of the law. Congress has provided consumers the right to challenge information that is deemed to be inaccurate or unverifiable or obsolete. Information that is not properly validated under the law must be removed regardless as to whether it is accurate or not. Regardless of the accuracy, credit agencies are often unwilling to invest the resources necessary, or unable to get the credit grantor to invest the resources necessary to validate the disputed item. Oftentimes, it becomes a matter of economics. If the case is presented properly, it is often more difficult and expensive for the credit agencies to substantiate the item than to simply remove it. The law requires more than a form letter to verify that an item is accurate. If the credit agency confirms an item on your report, we generate a new set set of documents and intensify our challenge. This forces the agency to invest additional time and expense in conducting a new investigation.

Q.  Is repairing my credit legal?

A.  Absolutely! ACM Software provides professionally prepared correspondence on behalf of our customers. Obviously if credit repair was illegal licensed attorneys would not facilitate the service. The Fair Credit Reporting Act was designed specifically to provide a way for consumers to force the removal of erroneous, outdated and unverifiable information from their report.

Q.  Does paying off all my bills repair my credit?

A.  That assumption would be logical but IS NOT true. The credit reporting system just does not work according to logic. Paying an item that is on your credit report extends the time that the item will remain on your report. The seven (7) year clock starts all over again. Ironically, a paid in full negative item is not generally looked at any more favorably than an unpaid negative listing. You will not get much further by paying the old debt. (IN FACT, YOU ARE LIKELY TO MAKE IT WORSE)

Q.  How much does this service cost?

A.  ACM offers the quickest, easiest do-it-yourself software available to manage and improve your credit from the privacy of your own home for as little as $299.99. ACM's software helps you challenge and dispute any negative items on your credit report. ACM features the ACM Dispute letter Generator, which will help you generate professional dispute documents for TransUnion, Experian and Equifax in minutes. ACM Stop will create “Stop The Calls” letters to help stop those annoying collection calls!  When you choose to use our software, you can be assured that you will to get the most up-to-date and current credit report that will maximize your credit score.

Q.  Will deleted items reappear on my report?

A.  Occasionally, the creditor will verify an item that has been deleted. The newly amended Fair Credit Reporting Act has provisions to protect you against items being re-reported on your report. Additionally, you must be notified before a previously deleted item can be re-reported. It is fairly rare for a listing to re-appear on a report once deleted.

Q.  Can I restore my own credit?

A.   Absolutely you can repair your own credit, represent yourself in court, be your own doctor or paint your own house. Given the time and energy and commitment, you can learn to repair your own credit. ACM Software specializes in credit restoration.

Q.  Does this software offer a guarantee?

A.  Yes, ACM Software offers a lifetime warranty against manufacture defects. America's Credit Masters does not guarantee the permanent removal of accurate and verifiable information.

Q.  How long does the credit restoration process take?

A.  Each case varies significantly. The most important variables are how involved your credit problem is and the responsiveness of the credit agencies. It would be impossible to say exactly how long an individual case would require.  The individual will see roughly on average 1/5 of the negative items deleted every time the credit agencies are challenged. Many members complete the credit repair service in approximately 6 months. As previously mentioned, progress will vary greatly based on the nature of your case, and the cooperation from the credit agencies. ACM's Software allows unlimited time for the value of extended restoration. Persistance is key to success.

Q.  How will I be updated as to the progress on my account?

A.  Credit reports will be sent to you from each of the three major credit reporting agencies regularly. As you receive them, you will see items being removed from your report. It is a little bit like losing weight, every time you step on the scale you are down a few pounds and eventually with patience and perseverance you reach your goal. Should you have questions regarding your progress, you may simply go to the Contact Us section for our contact information.

Q.  Who do I contact if I have questions?

A.  Simply go to the Contact Us section for our information.

Q.  How is bad credit removed from my credit report?

A. Everyone knows that under the law, if you are accused of anything, the burden of proof lies with your accuser. In other words, if the credit agencies are going to promote and sell information about you that can cause you economic hardship, they must back it up to the full letter of the law. Congress has provided consumers the right to challenge information that is deemed to be inaccurate or unverifiable or obsolete. Information that is not properly validated under the law must be removed regardless as to whether it is accurate or not. Regardless of the accuracy, credit agencies are often unwilling to invest the resources necessary, or unable to get the credit grantor to invest the resources necessary to validate the disputed item. Oftentimes, it becomes a matter of economics. If the case is presented properly, it is often more difficult and expensive for the credit agencies to substantiate the item than to simply remove it. The law requires more than a form letter to verify that an item is accurate. If the credit agency confirms an item on your report, we generate a new set set of documents and intensify our challenge. This forces the agency to invest additional time and expense in conducting a new investigation.

Q.  Is repairing my credit legal?

A.  Absolutely! ACM Software provides professionally prepared correspondence on behalf of our customers. Obviously if credit repair was illegal licensed attorneys would not facilitate the service. The Fair Credit Reporting Act was designed specifically to provide a way for consumers to force the removal of erroneous, outdated and unverifiable information from their report.

Q.  Does paying off all my bills repair my credit?

A.  That assumption would be logical but IS NOT true. The credit reporting system just does not work according to logic. Paying an item that is on your credit report extends the time that the item will remain on your report. The seven (7) year clock starts all over again. Ironically, a paid in full negative item is not generally looked at any more favorably than an unpaid negative listing. You will not get much further by paying the old debt. (IN FACT, YOU ARE LIKELY TO MAKE IT WORSE)

Q.  How much does this service cost?

A.  ACM offers the quickest, easiest do-it-yourself software available to manage and improve your credit from the privacy of your own home for as little as $299.99. ACM's software helps you challenge and dispute any negative items on your credit report. ACM features the ACM Dispute letter Generator, which will help you generate professional dispute documents for TransUnion, Experian and Equifax in minutes. ACM Stop will create “Stop The Calls” letters to help stop those annoying collection calls!  When you choose to use our software, you can be assured that you will to get the most up-to-date and current credit report that will maximize your credit score.

Q.  Will deleted items reappear on my report?

A.  Occasionally, the creditor will verify an item that has been deleted. The newly amended Fair Credit Reporting Act has provisions to protect you against items being re-reported on your report. Additionally, you must be notified before a previously deleted item can be re-reported. It is fairly rare for a listing to re-appear on a report once deleted.

Q.  Can I restore my own credit?

A.   Absolutely you can repair your own credit, represent yourself in court, be your own doctor or paint your own house. Given the time and energy and commitment, you can learn to repair your own credit. ACM Software specializes in credit restoration.

Q.  Does this software offer a guarantee?

A.  Yes, ACM Software offers a lifetime warranty against manufacture defects. America's Credit Masters does not guarantee the permanent removal of accurate and verifiable information.

Q.  How long does the credit restoration process take?

A.  Each case varies significantly. The most important variables are how involved your credit problem is and the responsiveness of the credit agencies. It would be impossible to say exactly how long an individual case would require.  The individual will see roughly on average 1/5 of the negative items deleted every time the credit agencies are challenged. Many members complete the credit repair service in approximately 6 months. As previously mentioned, progress will vary greatly based on the nature of your case, and the cooperation from the credit agencies. ACM's Software allows unlimited time for the value of extended restoration. Persistance is key to success.

Q.  How will I be updated as to the progress on my account?

A.  Credit reports will be sent to you from each of the three major credit reporting agencies regularly. As you receive them, you will see items being removed from your report. It is a little bit like losing weight, every time you step on the scale you are down a few pounds and eventually with patience and perseverance you reach your goal. Should you have questions regarding your progress, you may simply go to the Contact Us section for our contact information.

Q.  Who do I contact if I have questions?

A.  Simply go to the Contact Us section for our information.