Credit Repair FAQs

Let Us Answer Some of Our Most

Frequently Asked Questions

Yes. Every consumer has legal rights under the credit reporting laws to dispute inaccurate, unverifiable, obsolete, or incomplete information on their credit reports. Like all legitimate credit repair companies, Illinois Credit Services follows the laws, guidelines, and requirements under the Federal Credit Repair Organizations Act (CROA) and state laws. We feel it’s important that you know why we are qualified to help you dispute innaccuracies in your credit report: See Illinois Credit Services credentials. Remember, the credit bureaus, big banks, creditors, and debt collectors must follow the laws too. But who’s watching them to make sure they are doing their job and not incorrectly harming your credit? Learn more about how our legal credit repair process works.
NO!! When we work for you, there are no upfront fees – NEVER! All credit repair companies must complete the work they agree to perform before you are charged any fees. With Illinois Credit Services, you will not be billed for the First Work until after the First Work is completed – which means you will not be billed for 14 days after you enroll. Get started repairing your credit now. The First Work Fee of $189 will not be billed for 14 days! (watch the video for a $50 discount!) Our month to month services of $99 will not be billed until AFTER each month’s service is fully completed and you can cancel anytime. Get more information about our services and billing.
Credit scores are specific algorithms which analyze the data contained on your credit report and assign a number (your credit score) to predict the likelihood of your future performance on your obligations. Specifically, your FICO credit scores are predicting the likelihood of you becoming 90 days or more delinquent within the next 2 years on one of your obligations. Removing or correcting inaccurate negative information from your credit report may improve your credit score but since there are so many moving parts….so much information being considered and the credit scoring models are so complex – it is difficult if not impossible to predict, promise, or guarantee any particular results. Therefore we do not promise, guarantee, or predict that our services will improve your credit scores or that you will be approved for a loan. The reality is that no one can predict the future and determine, in advance, the results of the credit repair process. To see some samples of the real results of the responses our clients have received directly from the credit bureaus CLICK HERE to see samples of OUR RESULTS Your results may vary, but See more Testimonials from our clients.
First things first. Remember….you do NOT pay upfront. The First Work Fee is charged AFTER our work is fully completed and the charge is only $189 for an individual to enroll in our services. You will not be billed for 14 days after you enroll. Each month after that, you will be billed $99 AFTER each monthly service is fully completed. You are not obligated to any minimum time period….you can cancel anytime. BIG DISCOUNT: For two individuals enrolling together as a Joint Enrollment….the 2nd person will receive a 50% DISCOUNT! The First Work Fee for a Joint Enrollment is $239 and the Monthly Fee is only $149 That’s right!! ONLY $149 total for BOTH individuals! That’s a savings of 50% each month you are enrolled. We have had great success working with couples, but you don’t have to be married to get the Two-person discount. Just enroll together and save. Learn more about our Pricing.
According to the Fair Credit Reporting Act (FCRA), a consumer can dispute any information on their credit report which they believe to be unverifiable, inaccurate, obsolete, or incomplete. Remember, you have a legal right to 100% accuracy of all of the information contained on your credit reports. The FTC reports that 78% of ALL consumers have errors on their credit reports. To identify the unverifiable negative information on your credit report, Illinois Credit Services will provide you with a Disclosure of Information to be Disputed, so you can identify for us which items you believe are unverifiable or inaccurate and you want us to dispute on your behalf. It’s easy! A consumer can not, by law, dispute information that they know is 100% accurate.

The credit bureaus are obligated to follow the credit reporting laws and therefore, they must properly handle credit disputes. This includes completing a proper investigation and responding in a timely fashion. They must complete their dispute investigation within 30 days.
Never dispute your credit electronically online!! To learn why disputing online is a really bad idea – see the next question: “Should I Dispute Online?”

If you have obtained a copy of your credit report through Annual Credit Report, the credit bureaus have 45 days to complete their investigation rather than 30 days.

Therefore, you should generally receive the results of their investigation within 30-45 days.

While it may appear convenient to process a dispute electronically online….we do not recommend it.

The credit bureaus will make it easy for you to dispute online but remember this….there is a good reason. They are not just being nice to you.

The dispute process can be difficult for the credit bureaus but it is a neccesary process mandated by federal law. Remember, the FCRA (Fair Credit Reporting Act) states that the credit bureaus must complete a reasonable investigation within a reasonable timeframe. 

There is no requirement for you to make the process easier for them by disputing electronically. You should do what is best for YOU, not them!

Yes. You can cancel our services at anytime for any reason. We work for you only as long as YOU want us too. It is up to you how long we work for you – not us. There are no cancellation or termination fees.

On average, our past clients have chosen to purchase 5-6 separate months of our services.

The short answer is Yes, every consumer has a legal right to repair their own credit.
It’s not a matter of could you but a question of should you?
In order to properly repair inaccurate bad credit, it is helpful to understand the credit laws, rules and guidelines which govern the credit system. During an investigation into the credit bureaus and the difficulties individual consumers can face when attempting to dispute items on their own credit, CBS 60 Minutes news correspondent, Steve Kroft commented that it is very difficult for the average person to fix such problems themselves. Watch the 60 Minutes report on credit disputing

Illinois Credit Services has helped thousands of consumers through our proven system of repairing bad credit.

Every consumer’s credit is different and when unverifiable negative information is disputed, the responses from the credit bureaus and creditors can vary. On average, our past clients have chosen to subscribe for 5-6 months of services but ultimately it is up to you how long you wish to subscribe to our services. You are never locked into a minimum number of months. You can cancel at any time without any cancellation penalties or fees.

Credit disputing and the credit repair process does NOT eliminate a legal obligation you may have to pay a debt. One of the most important aspects of having good credit is paying your bills on time. Just because your credit report reads that you owe a debt does not necessarily mean that you have a legal obligation to what that information is stating.
The Federal Trade Commission reports that 78% of all consumers credit report contain errors.
Conversely, it also does not mean that you do not owe a debt if the information is not contained in your report.

ICS will never recommend that you do not pay a legitimate debt however, there is information you should be sure to consider and how making a payment could have an impact on your credit report and scores. 

If you believe you are one of the 78% of all consumers which the FTC states have errors on their credit reports, then credit repair may be for you. Remember, credit repair does not eliminate your legal obligations to your debt and you should always pay your bills on time. If you can not afford to pay your current bills on time, then credit repair may not be for you. 

How Can I Recognize Credit Repair Scams?
There are a lot of credit repair scams out there. Illinois Credit Services does not participate in illegal or unethical credit repair practices.
You should be aware of any person or company suggesting any of the following:

  • Credit Sweeping – that they can delete accurate information
  • Get you a new identity
  • or require upfront payment before their services are completed

All of these are illegal and you should avoid doing business with any company or person suggesting such things.

Remember, working to repair your credit is absoolutely legal when done correctly and within the guidelines of federal and state laws.  At Illinois Credit Services, we are a bonded and registered credit repair organization.

All creditors, debt collectors, and any furnishers of data to the credit bureaus have a legal obligation to report accurate information. They do not have to report information but the information they do report must be accurate. Each data furnisher must follow all applicable legal requests to verify and/or validate the information they are reporting. If a legitimate debt is owed and a data furnisher has followed all of the credit reporting laws  including reinsertion procedures in the FCRA, then yes, it is possible for an item to reappear on a credit report.
First of all…accurate and verifiable information cannot be deleted from any credit report. For our past clients, we have had nearly every type of inaccurate and/or unverifiable information deleted from a credit report. INCLUDING –
  • Collections,
  • Late Payments,
  • Civil Judgments,
  • Repossessions,
  • Foreclosures,
  • Bankruptcies,
  • Chargeoffs,
  • Incorrect Balances,
  • Employment Information.
To see samples of our results, including copies of the actual Credit Bureau responses (confidential info redacted) , Click HereFirst of all…

Credit repair does not eliminate your obligation to pay legitimate debts. Credit repair is the process of working toward repairing inaccurate, unverifiable, or obsolete information. If you owe a legitimate and legal debt but it is deleted from your credit report for any reason, you will still owe the debt.

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