FREE Credit Report FAQ

 

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DEBT RELIEF, WHICH INCLUDES: VALIDATE DEBT, DEBT REDUCTION AND INTEREST RATE REDUCTION

 1.58 Trillion in consumer debt and climbing.

This 1.58 trillion in consumer debt does not include mortgage debt. The burden of debt is great. The need for debt relief is clear.

It is your right and you are entitled to negotiate with any of your creditors to Validate your Debt, Negotiate for Debt Reduction and ask for Interest Rate Relief. Further, your creditor may agree to these arrangement(s) and still report a positive credit rating.

Debt Relief is not an automated service. There is never a charge unless you use the service. You are in total control. Note that Debt Relief and/or Credit Corrections are services offered that may result in credit rating improvements.

 

COMMON QUESTIONS AND CONCERNS

Collection Agency tactics:

I am in a dispute with a collection agency, yet they report negative information to my credit reports. Why?

This is a strong-handed tactic commonly used by collection agencies simply to get you to pay the collection amount, with penalties, interest and fees. The F.C.R.A. specifically states that a creditor may not report negative information on your credit report if you have given notice to the creditor or the collection agencies that you are disputing their claim. They must then get a judgment against you before reporting. Collection agencies post to your credit in order to heavy-hand a settlement. In the end, you may settle, but they almost never will voluntary remove the negative item from your credit report. This is why you need Correct Corrections.

20 Years?

A common practice from collection agencies is to pursue collection by using the power of negative information on your credit reports. By transferring names of collection agencies or selling the collection rights, they reset the date in which the original debt is due. Therefore it seems to the credit reporting bureaus that this is a non-expiring reportable negative item. They can continue this process almost indefinitely and in many cases up to 20 years.

Why did a Collection Agency report a negative item? It is not my debt!

Mistakes are very common. Especially if you calculate the impact of identity theft, similar names, similar addresses, etc. Collection agencies have gotten lazy and are more commonly using a tactic called “running the number” to collect. This is a practice of blanket reporting negative items to the Credit Bureaus just to get your attention in the hope that you will just pay it and quickly. This tactic often works simply because the time and pain to remove an item is just too great!

This practice exists because many Collection Agencies are trying to shift their business to an all-electronic format with no cost for letters, phone calls, or judgments. They simply don’t want to do traditional collection any more, even if that is the only proper way to determine who is responsible for a debt or determine the true amount due.

Are Credit & Debt counselors really on your side?

In many cases, they are not. In general terms, they take between 25% to 40% of what they save you. Some also require a monthly fee that could stretch for years while you pay off your debts. They generally require you to take all your debt and put it in to their program. They do not help you improve your credit rating, which should be part of the negotiating process with a Creditor.

When you use MyPerfectCredit’s DEBT RELIEF program, we take no percentage of your savings! You control which items are in DEBT RELIEF and for how long. This is a great service especially if you only want relief on one or two debt items.

Creditors are careless in their lending practices.

When times are good, creditors lend at a frightening rate to many who should not otherwise receive credit. Instead of improving their lending practices creditors use every collection method available including incredible interest, fees and penalties, in their attempt to making your credit so poor, that you will just succumb to pay it off. Then, once paid off, your credit is still damaged for years.

Scouring your credit report.

Every major insurer and credit card issuer scours your credit reports every other month to determine if they can arbitrarily raise your interest rate or cancel your service. This may not be a result of anything you have done with them. In fact, they may see negative information on your credit reports and cancel your insurance or increase your credit rate even if the item is a result of identity theft or simply a mistakenly reported item. This is an unfair practice.

Can I control all the charges and choose which items are to be included in DEBT RELIEF?

Yes. You select which items for either Validate Debt, Debt Reduction or Interest Rate Relief. You have total control. You can opt-in or opt-out of any item at any time. Please review the demo on our web site for further details.

 

CREDIT CORRECTIONS

To begin, you, your creditor(s) and the credit reporting bureaus should agree that what is contained in your credit report(s) is accurate. This is your right and CREDIT CORRECTIONS helps you do this.

Most people do not know how to read their credit reports, even ones displayed on-line. Most people cannot afford to take the time away from work to battle the credit bureaus and/or creditors in order to improve their credit health.

CREDIT CORRECTIONS helps you accomplish this with real results. Get the credit you deserve. Let our advanced automated system do all the work, or you take total control.

COMMON QUESTIONS AND CONCERNS?

How big is the problem?

2.36 Billion errors being reported.

There are over 2.36 billion incorrect, outdated and unverifiable negative credit items are on file and being reported by the Credit Bureaus! It really is a big problem!

The Public Interest Research Group (P.I.R.G) estimates that 70% of credit reports contain 4 to 5 negative credit items that do not belong. This most certainly creates artificially lower credit scores than individuals deserve.

The calculation takes the P.I.R.G. estimate that 70% of the approximately 250 million credit reports on U.S. individuals have an average of 4.5 inaccurate, outdated or unverifiable negative items across all three Credit Bureaus. This totals a mind boggling 2.36 billion negative items on credit reports that do not belong.

Because of this generally unknown fact, the F.C.R.A. was written with the benefit of the doubt in favor of the consumer. Therefore, if inaccurate, outdated or unverifiable items are contained in your credit reports, they are to be removed and removed permanently.

How long will it take until I see results?

Under the F.C.R.A., the Credit Bureaus must investigate and respond to disputes within 30 days and sometimes a maximum of 45 days. Each of our cycles is 60 days, which generally allows enough time for the Credit Bureaus to properly investigate and respond. Most of our members see results within the first two cycles, while continuing to see additional results as their reports continuously cycle through our system.

What are negative credit items and how do they affect me?

Negative credit items are pieces of information contained in your credit report(s) that cause your overall credit score(s) to decrease.

Examples of negative credit items are:

  Collection Items Late Payments
  Charge-off’s Tax Liens
  Judgments Bankruptcy’s
  Incorrect Personal Info Old Inquires
  Outdated Info Inaccurate Info
  Unverifiable Info  

The effect of a low credit score, as a result of negative items, can be devastating for many years. Lower credit scores can effect your ability to get credit, insurance and even a job.

Accurate negative credit items are commonplace on credit reports. However, if they are inaccurate, outdated or unverifiable item contained on your credit reports, they are to be removed and removed permanently.

What if I have perfect credit?

If you believe this is the case, our research has shown you are the most likely victim of future Identity Theft. The amount of damage is can be proportional to your credit borrowing power prior to being a victim. This can have a devastating effect on an individual’s livelihood. Our system will keep an ever-watchful eye for you. Remember the other benefits of membership: Credit Monitoring, Analyzer, Qualifier, Scoring Meter, Credentials, DEBT RELIEF and CREDIT CORRECTIONS.

Why does negative information that has been removed continuously reappear?

When it comes to getting inaccurate, outdated and unverifiable items off your credit reports on your own, your battle may never end. This is where MyPerfectCredit can truly provide a valuable service. We monitor this strange behavior by creditor(s) and the credit reporting bureau(s). If a negative item has been removed and it returns, we will notify the bureaus that it must be permanently removed.

This is a tactic often used by collection agencies in a strong-handed attempt to get you to just settle up by keeping negative items on your credit reports. In fact, they can use this tactic to keep negative information on your credit report for up to 20 years in their attempt to collect. This is done no matter if the item was yours or not.

As a note, the F.C.R.A. specifically states that once an item has been removed it must be permanently removed. This more commonly happens because the credit bureaus and your creditor ignore the rules of the F.C.R.A.

I am in a dispute with a collection agency, yet they report negative information to my credit reports. Why?

This is a strong-handed tactic commonly used by collection agencies simply to get you to pay the amount. The F.C.R.A. specifically states that a creditor may not report negative information on your credit report if you have advised them that you are disputing the amount. Collection agencies post to your credit in order to pressure a settlement. In the end, you may settle, but they almost never voluntarily remove the negative item from your credit report. This is why you need Correct Corrections.

Can I put a 100-word dispute on my record?

Yes you can. We do NOT provide this service because our research has shown this is a waste of time and has very little benefit. Your credit is determined by your credit score, which is an aggregate of your credit information. Your score is what lenders generally look at. Generating this score does NOT take into consideration your 100-word dispute and it never will. Remember that this right of adding 100-words was well before credit scoring took hold.

How can other people's information show up on my credit report?

Here are just a few examples that could cause this type of problem: (1) information associated with someone with a similar name could mistakenly be associated with your files, (2) many governmental institutions, such as small claims courts, assign data based on name only, rather than name and social security, or (3) the person typing in information could make a mistake.

There's another person with a similar name on my credit report - what do I do?

Credit bureaus process millions of pieces of information every day and because of this, you will tend to get unavoidable errors. Name similarities, transpositions and misspellings all contribute to the problem. This information does not belong on your report. Any credit items belonging to this other person, along with their personal information (names, addresses, social security numbers) can be disputed and removed.

Why am I receiving correspondence? What do they mean?

This is very common. Once MyPerfectCredit begins you will start receiving regular correspondence in the mail from the credit bureaus and your creditors depending upon which of the MyPerfectCredit services you are using.

Some of what you may receive:

From the any of the three credit bureaus:

For your information only:

 

  • Informing you that disputes are registered and is being processed.
  • Informing you that an investigation about your dispute request is in process.

    This gives the bureaus a little more time for the dispute process than the 30-day requirement.

  • Informing you that an item has been removed/deleted from your credit report.
     
  • Refusal to complete a requested dispute.

    This is a common occurrence and is a method used by the bureaus to give them a little more time for the OVERALL dispute process. We will dispute the particular item again in the next 60-day cycle automatically unless you opt-out for any reason.

     

  • Copies of your credit reports which may also contain any of the above updates.
     
  • Verification that you are claiming certain items on your credit reports are not yours.
     
  • Removal/Deletion of items you have claimed were not yours.

    For you to forward to us.  
  • Verify your address requests.

    There is an address mismatch with the credit bureau’s file and what address you entered when signing up for MyPerfectCredit. This also means your credit card issuer has a different address than the credit bureau(s). Please copy your drivers license and forward to us. Forwarding to us is NOT required, but can help save you a 60-day cycle in our system.

    From your Creditors:

  • Validation of your debt.
     
  • Acceptance/denial of your request for reduction in the principle amount you owe.
     
  • Acceptance/denial of your request for a specific number of months to pay off your     debt.
     
  • Counteroffer for your request for debt or interest relief.

     

    Remember, that when you receive the desired response from your creditor, please log in to MyPerfectCredit and opt-out of that DEBT RELIEF item so you will no longer be billed every 60 -days.

    Please be patient with this DEBT RELIEF process. It takes time. This is not an overnight debt relief program.

    If you have not received a response from your creditor, please give our system time to cycle through our offer-and-compromise program. Remember, we are not negotiating on your behalf. You completely control this process in the DEBT RELIEF section of MyPerfectCredit.

    You can change your offer for Debt Reduction and Interest Rate Relief at any time. If you have not received the desired response from your creditor(s), you can change the parameters of your offer & compromise from within our system. Otherwise we will continue our ever-escalating offer-and-compromise correspondence with them.

    Additional correspondence you may receive from any of the three credit bureaus:

    A third-party or a credit repair company may be disputing negative items on your behalf.

    They are correct! As a member of MyPerfectCredit it is common that Credit Reporting bureaus will send you correspondence that says you do not need a third-party or a credit repair company for disputing negative information on your credit reports. CREDIT CORRECTIONS is a service we provide to you. You can do the all the work yourself or let us do the work for you. With our system you can even take total control of which items are disputed and what charges you will incur. You can cancel this service at any time and/or choose not to use the Correct Corrections portion of our service.

    Our research has found that approximately 33% of all disputes, no matter the source, are rejected by the bureaus for one reason or another. It is our belief this is a corporate tactic designed to save the Credit Bureaus money and not have to perform the duties they are obligated to do under the F.C.R.A. At MyPerfectCredit, we ignore delaying tactics such as this and others that come from Creditors. Our work continues for your benefit.

    Can I control all the charges and choose which items are to be included in CORRECT CORRECTIONS?

    Yes. You can allow our automated system to perform the work for you or you can take total control. You can opt-in or opt-out of any item in dispute at any time. Please review the demo on our web site for further details.

    Remember, it is your right.

    It is within your rights to employ a third party to help you ensure the accuracy of your credit and debt information. If you would like to submit a complaint to the Federal Trade Commission regarding the handling of your disputes by the credit bureau, you may do so online at http://www.ftc.gov.

    Click on these links to view how the credit bureaus mistreat individuals:

    For Release: July 30, 2003
    Equifax to Pay $250,000 to Settle Charges
    FTC Alleges Blocked and Delayed Consumer Calls Violated Consent Decree

    http://www.ftc.gov/opa/2003/07/equifax.htm

    For Release: January 13, 2000

    Nation's Big Three Consumer Reporting Agencies Agree To Pay $2.5 Million To Settle FTC Charges of Violating Fair Credit Reporting Act for simply not answering their phones when consumers call.

    http://www.ftc.gov/opa/2000/01/busysignal.htm
     

     

    IDENTITY SHIELD

    9.9 Million victims a year. 27,123 every day.

    This number of Identity Theft victims was reported by the FTC on September 3, 2003 and show how large this problem really is. Do you really hope this does not happen to you? Because if it does, you could spend 175 hours and over $800 on average just trying to sort it out. Remember there are 40 hours in the average work week. Generally, you could not try to fix and ID theft issue while at work and certainly not on the weekends or after hours when creditors and the credit bureaus are closed. Remember, this is the fastest growing crime in America. Let our system help you monitor, protect and then act upon Identity Theft issues with your credit reports.

    In general terms, your personal information has not been properly protected by your creditors, past potential creditors, credit bureaus, financial institutions, retail environments, or the government. Your information is constantly in motion around the real and digital world. It is just there for someone to steal.

    This is not an automated service. There is never a charge unless you use the service. You are in total control. This is a program designed to get your creditor, the credit reporting bureaus and the federal government in action to protect you. This is not insurance, nor is it just monitoring. This is a proactive system. It is the first of its kind to protect your identity.

    COMMON QUESTIONS AND CONCERNS?

    What is Identity Theft Insurance and can it protect me?

    There is a common assumption that insurance is a protection for you when bad events occur. This may not be the case in identity theft insurance programs commonly offered in conjunction with simple credit report monitoring services. Generally, an individual victim of ID theft must show damages as would be proved in a court of law. Your debt/credit card company will most likely cover any fraudulent charges. For example, if a thief purchases a car in your name, clearly you will not be responsible for the monthly payments. Therefore, you would have incurred no damaged or monetary loss that could be claimed against ID theft insurance.

    It is very important to realize that denial of credit is NOT a cause for a claim on ID theft insurance. Most likely the problem is your credit reports need repair and you generally cannot have proper access to credit until this is accomplished. There is no protection that is offered with ID theft insurance. At MyPerfectCredit we have analyzed and researched the possibility of offering ID theft insurance as part of our services. However, we have not found any real benefit and therefore have concluded that your membership would be far better served with our IDENTITY SHIELD’s proactive service.

    What is the number one reported crime to the F.B.I. and the F.T.C.?

    Identity Theft.

    What if I have Perfect Credit? Am I safe?

    If this is discovered by a theft, then you are the most likely victim of future identity theft. Most likely the amount of damage is proportional to your good credit to borrow power. This can have a devastating effect on an individual’s livelihood.

    Can I control all the charges and choose which items are to be included in IDENTITY SHIELD?

    Yes. You have total control. You select which items are not yours and further which items you suspect identity theft. You can opt-in or opt-out of any item at any time. Please review the demo on our web site for further details.

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    FREE Services

    CREDIT MONITORING

    Can I login any time and see my credit reports and scores along with using any of the services?

    24/7 Free Access.

    Where are my FREE credit reports?

    We will always send you an e-Mail notifying you that your credit report and your credit scores have arrived and are ready for your review in the login area of MyPerfectCredit. Your credit reports and scores will appear in the Credit Monitoring section. Your first credit report will arrive within a few minutes of your membership sign-up. After your five-day right to cancel has expired, all your services will become activated. Make sure you monitor which items you wish to opt-in and opt-out of and the charges of such service usage.

    CREDIT ANALYZER

    This is a free service that will help you control your budget and help you understand how the world sees your credit and debt.

    Free services include:

    YOUR CREDIT TREND, which includes your total debt, your total monthly debt payment obligations, your credit score trend, your debt to income ratio;

    YOUR HISTORICAL SCORES, which includes your Experian, TransUnion and Equifax FICO scores. Also included are your weighted and average scores. You will see your numeric and alphabetic scores;

    YOUR DEBT LOAD, which includes a list of all your debt items, what type of credit it is and what percentage of your total debt this represents;

    YOUR DEBT-TO-INCOME RATIO.

    CREDIT QUALIFIER

    This is a free service that will help you get the credit you deserve. We offer several valuable opportunities, such as secured VISA debt card, no credit-check Cell Phone, etc. They are for you to choose whenever you want.

    SCORING METER

    This is a free service that will help you see how your total debt and monthly payment obligations can improve as your credit score improves. The Scoring Meter will analyze all your credit and your current payments and calculate your estimated savings as your credit improves.

    CREDENTIALS

    Why should I declare my credit to a potential lender before I commit to borrowing or making a financed purchase?

    Because the impact of shopping using your credit as a negotiating tool only harms your credit and reduces your credit score. Most people are not aware that an Inquiry lowers your credit score.

    How does an Inquiry on my credit lower my credit score?

    Whenever you allow someone to access your credit, it can harm your credit score by up to 8 FICO points. For example, if you shop for a car using your credit as a bargaining tool (which is generally required to determine your financing) and you visit four auto dealerships, they will all make inquires in to your credit. Your score will drop significantly, thereby reducing your ability to borrow and/or increasing your interest rate, all in the same day. This is why we developed the Credentials program.

    When am I allowed to use your services?

    At any time. The credit reports you receive in our system are your property. Please use them wisely. You should never charge someone viewing your credit using our Credentials program.

    Is this safe and secure?

    We use the same 128-bit secured socket layering security as banks and financial institutions. The viewing window is 48 hours in this secured area. Those viewing cannot print or download your credit report or scores.

    Is this service associated with TRW or Experian Credentials?

    NO.

    Notifications

     You will be notified by e-Mail whenever a new credit report and credit score arrives. DEBT RELIEF will notify you of any items that you have selected to be in either Validate Debt, Debt Reduction or Interest Rate Relief. Correct Corrections will notify you of negative items and when items have been removed from your credit report(s). IDENTITY SHIELD will notify you of those items you have selected to be in IDENTITY SHIELD and if they have been removed from your credit report(s). Credentials will notify you when someone you have selected to view your credit reports in our secured area has done so.
     

     

    General Questions
    Why MyPerfectCredit is here and our mission: MPC
    Our extensive research has shown:

    Credit ratings, debt burdens and identity theft can all effect your ability to get employment, insurance, the credit you deserve, or relief from large debt burdens.

    Most people do not know how to read their credit reports, even ones displayed on-line. Most people can not afford to take the time away from work to battle the credit bureaus and/or creditors in order to improve their credit health.

    Most people don’t know how to properly dispute inaccurate, outdated or unverifiable information on their credit reports. Nor do they generally know how to negotiate for debt relief and interest rate reductions. Nor do they generally know what to do if they are victims of identity theft.

    Credit reporting bureaus NEVER want to hear from you your entire life. They want to keep their systems totally electronic and strictly between those viewing and those granting credit to you. It costs them money every time they hear from you. We believe this is wrong, and we are here to help.

    Credit reporting agencies do not provide individuals with a second chance. For example, in an economic recession which could leave you unemployed, or say a traumatic event in your life such as a disability, or if you have a death in your family, or if a family member requires your attention, etc. negatively reported credit builds at a alarming rate. Yet when things improve you are damaged because you are punished for many years beyond what is reasonable, such as 15 years for a tax lien, 10 years for a bankruptcy. Also, collection agencies often report under different names and leave the negative info on your credit for up to 20 year. Does it really take you 10+ years to recover from a low point in your life?

    In small claims court, information is generally reported by using only a name and address to reference. The odds of misinformation showing up on your credit report are quite high.

    You are never given notice by the credit bureaus that negative items have been put on your credit report. The burden is upon the consumer to find out. Yet, there is NO education in our society to teach these concepts. You are left completely on your own.

    Creditors are often careless in their lending practices. When times are good, they lend at a frightening rate to many who should not otherwise receive credit. Instead of improving their lending practices, they will use every collection method available, including charging incredible interest, fees and penalties along with making your credit so poor, that you will just succumb and pay it off. Then, once paid off, your credit is still damaged for years.

    There would be NO credit reporting system in the United States unless there was negative credit reported. The sheer number of negatively reported items per year is staggering. The credit reporting system is designed to permit the massive volume of electronically reported negative information. The odds of error are great! Unless you do something, it will stay there. Therefore, it MUST be accurate or you are effected.

    Therefore, the F.C.R.A. was written to give you, the consumer, the benefit of the doubt. If there is negative information on your credit report that is inaccurate, outdated, or unverifiable, then it must be removed permanently. Therefore, MyPerfectCredit was founded.

    We are here, because you are a person and not a credit score. Because there is too much inaccurate, outdated and unverifiable information on credit reports. Because identity theft is a very real problem. Because the average American citizen is saddled with more debt today than ever in our history. We are here to help you turn it around.

     

    What MyPerfectCredit is NOT.

    Our services do NOT include a change in your identity such as having you get a Federal Identification Number to replace your Social Security Number. Our services do NOT hide you from your debtors. Our services are NOT an inform-only type of identity theft protection.

    MPCThe credit bureaus and consumer debt counseling companies say only time can heal my credit. Is this true?

    NEVER. The credit bureaus never, ever, want to hear from you your whole life. This saves them a fortune. If you let time pass and hope your credit will somehow improve, you are risking a lifetime of credit agony. This tactic of “only time can heal my credit” is used because the bureaus do not want you to contact them. They save a fortune if you leave them alone. This is also a major marketing tactic by credit/debt counselors who do not have the ability to settle your debt and then get your creditor to report positive credit ratings. You must take charge of your credit and MyPerfectCredit will help you do that.

    Is MPC removing negative items from my credit reports?MPC

    It is the final determination of your creditor and/or the credit reporting bureaus. However, unless you are willing to wait 7 to 10 years, negative items will never be removed from your credit reports unless you prompt the credit bureaus in to action. Debt Relief and Credit Corrections assists in this process with our automated system and our experience to have this as easy as possible.
     

     

    Is MPC negotiating on my behalf in the Debt Relief service?MPC

    You are in total control of the Debt Verification, Debt Reduction and Interest Rate Relief sections of MyPerfectCredit. It is up to your creditor(s) to acceptance or compromise with you. We are not negotiating on your behalf. This is a first of its kind program in debt relief with real results.

    Can MyPerfectCredit solve my identity theft problem?MPC

    If you have determined that identity theft has occurred, we take instructions from you in our Identity Shield service and promptly notify the credit bureau(s) and, if you feel the need, we will also inform the F.B.I. to get this problem resolved for you in a timely manner.

    Are you a reporting agency because of your Credentials service?MPC

    No. We simply allow you, our member, to provide your credit reports and scores, which is your property, to whomever you wish for a limited 48 hour secured viewing.

    Is my personal information safe?MPC

    We use the most advanced technology to protect the privacy or your information. Our highest priority at MyPerfectCredit is to make sure we maintain the privacy and security of our customers’ information. Our system uses 128-bit Secured Socket Layering, which is used by many banks and other financial institutions for secure transactions on the Internet.

    Are your services something I can do for myself?MPC

    YES. All of our services can be done by you. We are a consumer advocate company simply here to make your life and your future a little better. The reason MyPerfectCredit has been so popular and successful is that we have done the research and the legwork for our customers. We save our customers many hours of valuable time and alleviate the frustration and hopelessness often associated with attempting to repair their credit on their own, or save their identity from theft or reduce their debt burden.

     
     

     

    Billing

     Can I completely control my charges and control which services and benefits I choose to receive?
     YES.

    How am I billed?
    To your credit or debt card. We accept VISA, MasterCard.

    When am I billed?
    With our CREDIT CARE 695 RISK FREE product, you will be charged $6.95 per item from either of our paid services. You can cancel at any time. The paid services are Debt Relief with three components: Validate Debt, Debt Reduction and Interest Rate Relief; Credit Corrections, and Identity Shield. All other services are FREE. For your convenience and benefit, you will be automatically enrolled in our EASY 30/35 Billing program with this product. You can control which items you will be charged for and you may opt-out of any item at any time.

    Our CREDIT CARE 495 product is the same as above, yet you only pay $4.95 per item from either of our paid services. There is a $19.80 minimum monthly fee, which ever is greater. You can cancel at any time. You will be automatically enrolled in our EASY 30/35 Billing program.

    Our CREDIT CARE UNLIMITED product is the same as the above. You only pay a FLAT RATE of $49.95 per month. You can cancel at any time. You also receive the benefits of all our FREE services as well. You simply pay $49.95 per month. Please note, the EASY 30/35 Billing program does NOT apply for this product.



     How does your EASY 30/35 Billing program work?
    Our EASY 30/35 Billing program is designed for your convenience and with your budget in mind. We are confident that, as a member, you will see great value in our Debt Relief, Credit Corrections and Identity Shield paid services and use them quite regularly. Each item used in any of these paid services is billed at a low $6.95 or $4.95 per item depending upon which product you signed up for. Your account will accumulate fees as normal according to your plan. However, as a service to you, we will not charge your credit/debt card over $65 per month which we split in to two charges of only $30 and then $35 billed 15 days apart. Therefore, please feel free to use our services for your TOTAL Credit Care. This does not apply to the Credit Care Unlimited which is billed at a fixed $49.95 per month.

     

    When can I upgrade?
    At any time. Log in to your account and select Upgrade. There is no fee to upgrade.

    When can I cancel?
    At any time.

    Is there a Cancellation fee?
    Never.

    What happens if my payment fails?
    We will notify you by e-mail that your payment has not been accepted and ask that you log in to our system and update your billing information. If this is not resolved within two weeks, we will suspend your account until you have had the opportunity to update your billing information. We will charge you a fifteen dollar reactivation fee only if your account goes to suspended status. Closed account which have non-collectible balances due are forwarded to a collection agency. You will be required to pay any prior balances if you choose to have your account reactivated after it has been closed.

    How do I change my billing information?
    Simply log in to your account and make the changes to your billing/account section.

    Get MyPerfectCredit

     


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