Frequently Asked Questions
The following are some frequently asked questions (FAQ) that may be helpful to you. If you have questions that are not listed below, please give us a call at 1-888-803-9412 or email at wesleygroup68@gmail.com.
Are you a credit repair company ?
The Wesley Group, LLC is not a credit repair company. We believe that everyone, including you, deserves great credit and the chance to actually live the life that you deserve and want. The credit system is confusing and its designed to be hard to navigate. We also believe that you work hard to earn a living and we want you to keep that hard-earned money not to give it to the big faceless banks that profit from low credit scores.
Is credit repair legal ?
Absolutely. You are entitle to this process under the Fair Credit Reporting Act (Title 15, United States Code section 1681, et seq). Nothing you do as part of this program can be considered illegal. It's your right!
How does the credit repair process work ?
By disputing the negative and erroneous items on your credit reports, you force the credit bureaus to comply with the law and investigate the disputed items. If they are unable to validate the item, then they must, by law, remove it from your report or show it as a positive entry.
How long does the credit repair process take ?
Every situation is different. It depends on how many items you have and a number of other factors that are outside of your control. There are shortcut are shortcut methods to speed up the process if you need to improve your credit in a hurry, as when trying to qualify for a mortgage.
How do I find out my credit score ?
You need to order your credit reports from each bureau and request your credit score ?
What is a credit inquiry ?
When a creditor (like a mortgage or credit card company) wants to check your credit, they will “inquire” with the credit bureaus. The resulting inquiry can actually negatively affect your credit score for a short time, but not by very much. If a creditor pulls your report without your consent (like to make a special offer) or if you pull your report yourself, the inquiry doesn't count against you.
Is it really possible to remove negative items from my credit report ?
Certainly. Millions have done it and so can you.
What kind of items can be removed from my credit report?
Anything can be removed, including bankruptcies,foreclosures, late payments, collections, etc. If the bureaus are unable to validate the accuracy of these items, then they are required to remove them. That doesn't mean that every negative item can be removed from every credit report, but our service partners gives you the best opportunity for success.
Can I just get a new social security number and start over?
No. There is a method called File Segregation, but is illegal, dangerous, and usually unsuccessful.
The following are some frequently asked questions (FAQ) that may be helpful to you. If you have questions that are not listed below, please give us a call at 1-888-803-9412 or email at wesleygroup68@gmail.com.
Are you a credit repair company ?
The Wesley Group, LLC is not a credit repair company. We believe that everyone, including you, deserves great credit and the chance to actually live the life that you deserve and want. The credit system is confusing and its designed to be hard to navigate. We also believe that you work hard to earn a living and we want you to keep that hard-earned money not to give it to the big faceless banks that profit from low credit scores.
Is credit repair legal ?
Absolutely. You are entitle to this process under the Fair Credit Reporting Act (Title 15, United States Code section 1681, et seq). Nothing you do as part of this program can be considered illegal. It's your right!
How does the credit repair process work ?
By disputing the negative and erroneous items on your credit reports, you force the credit bureaus to comply with the law and investigate the disputed items. If they are unable to validate the item, then they must, by law, remove it from your report or show it as a positive entry.
How long does the credit repair process take ?
Every situation is different. It depends on how many items you have and a number of other factors that are outside of your control. There are shortcut are shortcut methods to speed up the process if you need to improve your credit in a hurry, as when trying to qualify for a mortgage.
How do I find out my credit score ?
You need to order your credit reports from each bureau and request your credit score ?
What is a credit inquiry ?
When a creditor (like a mortgage or credit card company) wants to check your credit, they will “inquire” with the credit bureaus. The resulting inquiry can actually negatively affect your credit score for a short time, but not by very much. If a creditor pulls your report without your consent (like to make a special offer) or if you pull your report yourself, the inquiry doesn't count against you.
Is it really possible to remove negative items from my credit report ?
Certainly. Millions have done it and so can you.
What kind of items can be removed from my credit report?
Anything can be removed, including bankruptcies,foreclosures, late payments, collections, etc. If the bureaus are unable to validate the accuracy of these items, then they are required to remove them. That doesn't mean that every negative item can be removed from every credit report, but our service partners gives you the best opportunity for success.
Can I just get a new social security number and start over?
No. There is a method called File Segregation, but is illegal, dangerous, and usually unsuccessful.