How can my bad credit be repaired legally?

Because you are ultimately responsible for ensuring that your credit report is accurate, laws were enacted — specifically the Fair Credit Reporting Act (FCRA) to assist you. The FCRA gives you the right to contact the credit bureaus directly to dispute items on your credit reports. You can dispute any and all items that are inaccurate, untimely, misleading, biased, incomplete or unverifiable. Any item that cannot be verified on your credit report must be deleted. Goodwill Creditor Interventions may also be used to address an item on your credit report directly with your creditor. Also, the Fair and Accurate Credit Transactions Act (FACTA) of 2003 may be utilized primarily in situations where identity theft is concerned. Thousands of people have legally and successfully restored their credit and increased their credit score simply by enforcing their own legal rights. This type of process can be done individually if you have the time, and of course the patience, for the learning curve involved.

What items can be removed?

A better question would most likely be “what item cannot be removed”. We can remove everything you can imagine. Here is a list of some:

• Late Payments
• Charge Offs
• Foreclosures
• Judgments
• Repossessions
• Personal Identification changed or corrected
• Closed Accounts
• Bankruptcies
• Negative Settlements
• Liens
• Collection

How will I know it works?

Easy! Every time you receive updated credit reports throughout your service you will see items that have been changed, updated, or removed. If an item is changed or updated, it generally means that a positive improvement with that account (such as a late history) has been made. If an account was removed all together from your credit report, it means that a negative items has been removed from your credit. Usually these items are collections, charge offs, foreclosures, etc. We’ll also point out important progress made within your online portal which you’ll have online access to.

How much can I expect my score to go up?

It all depends. There are no two credit reports that are exactly the same. This means that improvements we make on one person’s credit may or may not improve the score as much as another’s. The “average”, we’ve found, never applies. We’ve seen scores go up 200+ points, and others just get the 20 point boost they needed to qualify for their home loan. Everyone’s results will vary, but, you can be certain we will get you the best results possible. And with our “unbeatable satisfaction guarantee®” you have nothing to lose.

How long does it take to repair my credit?

Each situation is unique and so is the timeframe required to repair your credit. The majority of our customers see results within the first 45-60 days. AAA Credit Today works on your credit on a month by month basis until you are satisfied with the improvement in your credit. Our goal is to improve both your credit report and credit score continuously each month. With that said, keep in mind that no company can promise any specific outcome simply because there are several third parties involved (e.g. Equifax, Transunion, Experian, your creditors, etc.) and no one can predict how they will respond.

I just signed up, what happens now?

• You’ll receive a welcome email from AAA Credit Today.
• We’ll provide you with a special secure online account so you can keep track of our progress on your credit repair
• You’ll see your credit reports and starting credit scores from all three credit bureaus (reporting agencies)
• You’ll start seeing credit improvements in less than 60 days
• Your credit report and score improvements will progress throughout the duration of your service (you’ll watch it all happen through your online account).
• At the end, you will visibly see your credit report, turn into a better credit report. AAA Credit Today will also give you a future plan to help you maintain your improved credit and show you how to continuously raise your credit score.

Can I repair my own credit?

Yes. You have the legal right to work out your credit disputes with the credit agencies and credit grantors yourself. Given experience and study, you could do much of what our staff does. It is similar to your right as a citizen to represent yourself in court. When making the decision to repair your own credit reports or enlist the assistance of a professional credit repair company such as AAA Credit Today, it may be helpful to consider the amount of time that may be required to effectively repair your credit. In our experience, a typical consumer simply does not have the time to research and experiment with credit disputing methods in order to find the best course of action for their individual credit situation. Our extensive experience means you will see the highest possible return on your time and money as our efforts on your behalf will only utilize credit improvement strategies which have proven to be effective.

Is there a time limit on visits??

The amount of time allocated to a visit varies depending on the treatment you seek:
There is no time limit, however most issues are resolved in under 15 minutes.

Mental Health: The average mental health visit is 45 minutes, similar to an in-person therapy visit.Dermatology: All communication between you and your dermatologist is through the secure Lyfe Telemedicine message center. You can ask follow-up questions at no charge for up to seven days and request the same dermatologist for subsequent consults if you wish.

What will happen after I schedule a visit?

After you have submitted your visit request, you will receive notifications when:

Your visit request is confirmed.

The provider is reviewing your medical history (the provider generally reviews your medical history 5-10 minutes prior to the start of your visit).

The provider is ready to see you.

Your visit is complete, and your treatment plan is ready.

If you have requested an ASAP/on-demand visit, please enter the waiting room as soon as you have requested your video visit. The provider will meet you in the waiting room when they become available.

If you have requested a scheduled visit, please enter the waiting room at the day and time you have requested. You will receive a reminder by email or text 10 minutes prior to your scheduled visit time.

What should I do if I need to cancel a scheduled visit?

After logging in to your account, navigate to your “Upcoming Visit” details, found on the homepage. There you will see a “Cancel Visit” button, which you can click to cancel your visit.

Does the doctor review my medical history before a visit?

We will ask you to complete a brief medical history prior to requesting your first visit, similar to filling out forms before an in-person doctor visit. You can update your medical history at any time through your profile on the website or the mobile app.

Your Lyfe Telemedicine medical history is stored on our HIPAA-compliant, encrypted central server. Before each visit, the doctor will review your medical history with a specific focus on chronic illnesses, current medications, allergies and any changes in your medical condition.

How do I start my video visit?

To join a video visit, log in to your account on the mobile app and click “Join waiting room.”

If you have requested an ASAP/on-demand visit, please enter the waiting room as soon as you have requested your video visit. The provider will meet you in the waiting room when they become available.

If you have requested a scheduled visit, please enter the waiting room at the day and time you have requested. You will receive a reminder by email or text 10 minutes prior to your scheduled visit time.
Please note: Video visits cannot be joined through FaceTime or Skype. They must be joined from within the mobile app or through your online account.

Should I keep the mobile app open on my phone while I wait for the doctor to join my video visit?
No, you do not have to leave your app open. However, please keep your phone near you so that the visit can begin right when the provider arrives. You will receive a text or email notification indicating the visit is about to start.

If you have requested a scheduled visit, please enter the waiting room at the day and time you have requested.

If you are not in the waiting room when the provider arrives, they will wait a few minutes before helping the next patient. Don’t worry, we will attempt to connect you with the next available provider prior to canceling your visit. You will receive a new set of notifications before the next provider arrives and you can stay in the waiting room until they join.

HOW DOES IT BOOST MY SCORE?

When you add an authorized user trade line to your credit report, you are adding positive payment history, length of time you have established credit, and showing responsible use of credit by having an account with a low debt ratio. These are the factors that contribute to the 30 to 60 points average increase that we see with qualified authorized users.

HOW LONG WILL THE LINE STAY ON MY REPORT?

It is important to note that authorized user trade lines are a temporary solution. While the average time a trade line will stay on your credit report is between 3 and 6 months, we recommend that you be ready to apply for your immediate credit goals right away. In the very unlikely case that the line falls off of your credit within the first 60 days, we will replace it at no charge, but it is in your best interest to be ready to use your credit right away when the trade line posts.

WHAT GUARANTEES DO YOU OFFER?

Because of the many factors that go into determining your full credit score, it is impossible to guarantee a specific credit score increase. Our guarantee promises that our credit lines have perfect payment history, and less than 30% of the available credit being utilized. We also guarantee that our lines will report to a minimum of 2 out of the 3 credit bureaus within the contracted time. While 95% of the time our lines report to all 3 bureaus, there are occasionally factors outside of our control that can keep a line from hitting the 3rd bureau. If for whatever reason your line only hits one bureau, we will replace it at no charge. As most lenders take into account your mid-score, it should not lessen your ability to qualify for credit if your credit line reports to at least 2 bureaus.

WHY DO I NEED TO PAY 100% UPFRONT?

We are contractually obligated by our cardholders to only secure lines that have been fully funded. If your line does not post, we will grant a refund up to 100% of the price paid.

DO YOUR LINES POST TO ALL 3 BUREAUS? 

95% of our lines post to all 3 bureaus. However, lines that require a special address typically have challenges posting to Equifax. This includes lines from Ally, Amazon, Chase, Comenity, Discover, Fidelity, GE Capital, GM, Marvel, Merrick, Synchrony, US Bank, Wells Fargo, WFB, and Zions Bank. If Equifax posting is important to you we recommend that you do not order any of these lines.

WHAT IS A “SPECIAL ADDRESS” AND HOW DO I USE ONE TO POST AU LINES?

A “Special Address” is simply a mailing address that you must temporarily use in place of your own to get tradelines from certain banks to post. This involves lines from Chase, Discover, Wells Fargo, and a few smaller banks. There are two ways to post these lines. You can either initiate a “hard pull” on your credit, or a “soft pull” through a credit monitoring account such as CCT or FCR.

WHY ARE PRICES DIFFERENT FOR DIFFERENT TRADELINES?

Prices are different for different tradelines because of their Credit Limit and Age. This is because a line with a lower limit or younger age will not have as big of an impact as line with a higher limit and older age. We offer a variety of different lines to suit each client’s unique needs.

WHY WAS MY APPLICATION REJECTED?

The most common reason an application gets rejected is because required documents were not uploaded. For some lines such as Citi and Discover, we require applicants to upload legal documentation such as a copy of SSN card and driver’s license. Applications may also be rejected if the client’s SSN is found to be invalid.

WHAT CAN I DO TO ENSURE THAT MY APPLICATION IS ACCEPTED?

To ensure your application is successful:

Make sure you enter all of the client’s information accurately into the application

Make sure all required documents are submitted and uploaded properly

WHICH BANKS REQUIRE ADDITIONAL DOCUMENTS AND WHY?

We require documentation for Citi and Discover tradelines due to increased security at these banks. Documents must be attached to your order application, or your order will be cancelled. Here are the required docs:

Citi: SSN card

Discover: SSN card & Driver’s License