FAQ

Bad credit is not something you have to live with, and good credit is not something you have to dream about.  Good Credit is within your reach.  Below are answers to some frequently asked questions. 

I'm ready to sign up right now. How do I do it?

It all starts with a credit assessment, which you can get by visiting our Sign Up page or calling us toll-free at 800-466-4279. We're different from our competition in that every one of our clients receives individual attention from Concrete Rose Credit Services. We formulate a customized plan of action based on your specific needs. No two clients are alike!

How much does bad credit cost?

The cost of credit repair is small compared to the cost of living with bad credit. Below are a few examples of the cost of bad credit. If you are making vehicle payments, you are most likely paying between $4,000 and $10,000 more over the course of the loan just for having credit score issues. This added interest shows up every month in a higher payment.

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 20-45 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.

What if removed items reappear?

This happens occasionally either by accident or a creditor has eventually verified a particular item. This is what is known as a 'soft delete'. The FCRA (Fair Credit Reporting Act) has made it much more difficult for a creditor to replace an item once it has been removed. Concrete Rose Credit Services will re-challenge the item with the full force of the prior removal in our favor.

Is this legal?

Yes, you are given the right under the Fair Credit Reporting Act (FCRA), including the right to challenge inaccurate, misleading and obsolete items appearing on your credit report. Concrete Rose Credit Services uses every venue available to you under the law to help you assert these rights.

What is a credit score?

A credit score is a numerical ranking system that lenders use to determine how much of a credit risk you are. A credit score is a numeric indication of how likely you are to repay debts such as loans or lines of credit. Lenders use this number to determine how much of a credit risk you are. Credit scores also are designed to indicate your creditworthiness in comparison with other consumers. Credit scores are based on the data in your credit report and are generated by

computers using artificial intelligence. Usually a credit score is between the numbers 300 to 850. The higher your score, the more "creditworthy" you are to lenders.

What is my credit score based on?

Credit scoring is based on many factors that may include: Amount of available credit Payment history Recent requests for credit Amount of credit currently being used Length of credit history Under the Equal Credit Opportunity Act, credit scoring may not use gender, martial status, national origin, race, or religion as factors.

"The Only thing You Can Change 

IS THE FUTURE " RESTORE YOUR CREDIT TODAY!!!

BRITTANY YOUNG, CEO