Credit Repair Questions and Answers
We are sure you have questions … Here are a few answers! Evolve Credit Repair has provided answers to your frequently asked questions. Learn more about our credit repair process, our referral program, and more!
Are you guys only going to dispute 1-2 accounts per month so credit restoration takes forever?
No way. Evolve Credit Repair is extremely aggressive with the dispute process. We jump on all the bad stuff on all three credit bureaus immediately. This means our clients get the fastest and most efficient credit restoration service available.
How much do credit repair services cost?
We always begin with a free review and overall costs will vary depending on each client’s individualized strategy for a credit comeback!
Do you help me determine who I should pay?
Yes, we definitely do. That conversation will happen pretty quickly. We will help you to determine which creditors remain as valid and whom it makes the most sense to work towards paying. We can also advise on how to use your money wisely to obtain the best response on your credit report.
I don’t have a credit card. Can you help me get one?
Yes we can. As part of our process, we quickly help our clients figure out which positive accounts they are missing in their credit profile (if necessary) and help partner them with the ideal companies that suit their needs. We have recommended cards, as well as multiple resources to help you get better cards once you get established.
Will anyone know I did credit repair and will it hurt my credit?
No. Not unless you tell them. It certainly won’t be reflected on your reports.
Will there be dispute verbiage remaining on my credit report?
No. We deal with a lot of lenders, and they’ve made it CRYSTAL CLEAR that dispute language on a credit profile is an approval killer.
Why can’t I just fix my credit myself?
You can. But it’s tough when you don’t know where the traps are.
Unfortunately, the credit bureaus and creditors do not make it an easy process to update inaccuracies on your credit profile. It’s also very time consuming and most individuals simply don’t have the kind of time or expertise to put into it. It’s very common for consumers to lower their credit rating while trying to clean it up themselves, because the scoring algorithms hit hard when mistakes are made. Our tools and our team have EVOLVED with the times.
What makes Evolve Credit Repair different from other credit repair agencies I’ve seen or heard about?
Our program is laser targeted and more aggressive than 95% of other credit repair companies- Most of our clients are in the process of trying to achieve home ownership or some type of loan. That means we HAVE TO address the accounts reporting with all three credit bureaus immediately. We also provide education and visibility so our clients can help speed the process along, rather than create more speedbumps on the way. We’ve customized our entire program to achieve credit goals quickly and efficiently.
Will you look at my credit to see if you can help me before I sign up?
Most definitely! We always start with a free review for every customer to see if we can help to fix your credit.
What if I choose to opt-out of the program?
No Contracts are required for any of our programs- We know you’ll quickly see the value and stick around until the job is done.
Referral Partner FAQ’s
Learn more about why so many top producers send Evolve Credit Repair their clients who need credit help.
How can I send a review over to you?
We have a couple different options for you to submit a client to us for a free review. Depending on your comfort level and company policies, you can either email a client over to us at FreeReview@evolvecreditrepair.org (also cc your Evolve Credit Repair representative) or simply submit a file through your own portal, that we will provide. You can also access it from our webpage.
Just Click- Referral Partners on the www.evolvecreditrepair.org homepage.
I already use What-if Simulator and/or do my own rapid rescores, what can Evolve Credit Repair do that is any different?
While those resources are excellent solutions for the more basic credit score increase needs, many times more significant work is needed above and beyond what those methods can provide. We will conduct a free review on each file you send to us, and be able to tell you if a rapid rescore is in order and our credit restoration services are not necessary or if the client would benefit from enrolling in our program. From there, you and the client make the decision on how to proceed.
I have been burned by other credit repair companies in the past that I have sent files to and never heard back. Can I expect that same result from Evolve Credit Repair?
Heck no! Our greatest priority is to get our clients back to the closing table with our referral partners as quickly as possible. We work until our referral partner has confirmed the closing. Simply put, we built our business from the ground up to accommodate the lending and real estate process, and the Evolve Credit Repair team has decades of experience in these industries.
How fast can I expect a client back once they enroll with Evolve Credit Repair?
While most clients are finished within 45 to 90 days, the maximum duration we would typically work on a client’s file would be somewhere in the five-to-six month range. We always do a free review before enrolling each client, so everyone is on the same page and we do guarantee our turn times.
Do you provide credit education for loan officers, realtors, and/or consumers?
Definitely. Credit education is our passion! We do lunch-and-learns, sponsor seminars, webinars, and meetings for our referral partners and their potential clients.
We would love to be a part of your education program. If you would like to schedule a session, let us know! Check out our videos to get a taste of our teaching style.
I stopped working with credit repair companies because they just leave a bunch of dispute verbiage on the report and I can’t close the loan anyway. Will I run into this issue with Evolve Credit Repair?
Not at all. If that happens to you it’s typically because the prior credit repair company never PERSONALLY ever worked in mortgage lending. We are well aware that dispute language kills forward progress. We will make absolutely sure you not only have the scores needed before sending the client back to you, but also that all dispute verbiage has been removed.
Please make sure to let Evolve Credit Repair know of any other lender appetites during the process, and together we will work towards a very smooth transition back to the closing table. Transparency is everything.
Will you provide resources and marketing materials to assist our clients, as well as our fellow referral partners?
Of course, our website is full of free content. If you visit our Blog section, you’ll find numerous videos that can be shared on social media. We are also happy to send marketing materials for your company upon request.
Do you charge any upfront fees?
I heard that is illegal. It Is illegal! That is why we do not charge anything until the 30th day of service.