How long have you been doing credit repair?

 

The Mack Financial Group has a staff with years of experience which has been repairing people's credit by challenging the credit reporting companies and the methods they use to blacken the credit of thousands of Americans. Using lawyers, accountants, underwriters, bankers and repair specialists, The Mack Financial Group de-mystifies the experience of credit repair. We employ innovative solutions and adhere to the laws and regulations that govern the credit reporting industry.

 

 

How do you restore bad credit?

 

Once we've received your credit reports, we will analyze your credit history to identify items that are responsible for bringing your credit score down. Then we will prepare correspondence to dispute these negative items on your behalf. Although we encourage consumers to dispute their own credit if they have the time and knowledge to do so. It is important to note that, according to federal law, the credit bureaus can ignore your dispute under a variety of conditions. In our experience, a large number of dispute letters sent directly from consumers are rejected and ignored for one reason or another. Correspondence from The Mack Financial Group are expertly crafted such that credit bureaus will accept the dispute and conduct an investigation.

A disputed credit listing must be verified as accurate for it to remain on the credit report. If the credit listings contains an error, the credit bureau may simply correct the item, but very often disputed credit items cannot be verified because either the creditor either no longer possesses necessary information or does not to go to the effort of verifying it. Furthermore, the investigation must be completed within 30 days or the listing must be removed. For these reasons, properly disputed credit listings are removed from your credit report with remarkable frequency , when the proper correspondence has been submitted.

At the conclusion of the credit bureau's investigation, a new copy of the credit report is sent to you along with any deletions or improvements. You then provide us with a copy of the new credit report and the cycle repeats itself at strategic intervals.

Each time an investigation is initiated, the odds of receiving a particular deletion increases.

 

How long does it take?

 

Everyone wants you to see results immediately. Although everyone's credit history is different, most people will see progress within the first 45 days of their membership. The majority of time is spent waiting for the credit bureaus to respond to requests. We take great effort in getting our disputes to the bureaus as fast as possible. The Mack Financial Group is currently averaging 20-40% derogatory deletion rate for within the first 30-45 days.

 

 

Do you guarantee results?

 

By law, no credit repair company can guarantee that they can have items removed from your credit reports, but we stand behind our services and, if we can’t remove at least 3 derogatories from your credit report, you will receive a prompt and courteous, full refund.

 

 

What if removed items reappear?

This happens occasionally by accident or when a challenged entry is temporarily removed by a credit bureau only to have the item later verified by a creditor and re-added to the report. This is what is known as a “soft delete”. The Mack Financial Group specializes in “hard deletes” and should anything reappear will re-challenge the item with the full force of the prior removal in our favor.