Frequently Asked Questions About Credit and Credit Reports
Can I get My Credit Report Free?
Yes, if you request a copy of your credit report you can get it for free. Also, you can get a cop of your report if the following applies to your situation:
If you are unemployed and intend on applying for a job within 60 days
Are receiving public assistance and if you need to review your report due to fraud.
The Federal Trade Commision also issued new rules which started in 2004 and was in place by 2005 requiring credit reporting agencies to give free credit reports. Please view the map zones when this became available in your state if you live in the United States of America.
Zone 1 Western States December 1, 2004; Zone 2: Midwest States March 1, 2005
Zone 3: Southern States June 1, 2005 and Zone 4: Eastern States September 1, 2005
Although you must request your credit report because the credit bureaus will not just send your credit report to you without requesting it. You can also request a copy of your credit report online from http://www.annualcreditreport.com
If you have a question that is not addressed on this page just send us an email and we will answer it for you based on our knowledge and experience as well as the law.
More Fequently Asked Questions
Shouldn't you hire a professional to have your credit scores increased?
Well, you should hire a professional if you do not have the time to complete the steps in the credit rebuilding process. Yes, you should also hire a professional if you are not knowledgeable about the consumer laws. However; you can start to rebuild your credit within the next 30 days by following our step by step guide to help you get this done.
How long will this credit rebuilding process takes?
Now, I do want you to know this is going to require time and very good record keeping on your part if you decide you want to do this on your own. There are many misconsceptions about credit reports and many people feel that there credit score really doesn't matter, if the truth be told - credit scores can affect your interest rate that you will pay, even if you are going to apply for certain jobs! Trust me this information regarding your credit report is important and this is one of the primary reasons we decided to reveal what certain organizations have been charging consumers for in the past and charging ongoing monthly fees.
What can I expect when I start the credit coaching program?
When you start the credit coaching program you will receive your first consultation FREE. We will provide the strategies and the content for you. However; Beyond Consulting Credit Coach will work with the creditors and the credit bureaus. Our clients will be given certain projects (action items) to do that they will need to do. Our coach will work within your schedule to help you reach your desired goals.
How much time will be required to receive coaching?
The coaching sessions uusally last between 30 - 45 minutes per session. The coaching assignments and projects may take further time to complete. Of course we will work within your schedule for the coaching sessions. Our coaches recommend that you schedule your coaching sessions when you are uninterrupted and can devote the time you need to achieve the results you want.
When can I start the coaching plan?
The coaching program can start once you take the first step to request a FREE consultation who will help you determine wheter coaching is good for you.. When you have been assigned a coach your coaching session will start with an agreed upon time for your schedule. Remember it is our mission to help you achieve the desired results you want for your future credit goals.
Although we have provided you with the most frequent questions that we are asked. We are committed to helping our clients improve their credit report. We also understand that each individual credit report is different. When you hire Beyond Consulting, located in Houston TX we will meet wih you in confidence to discuss your credit situation and develop a personalized plan of action and options designed to meet your goals and needs. Our staff is knowledgeable and our lawyer is an experienced legal representative who advocate agressively for consumers with a sincere desire to improve their credit situation.
LEGAL NOTE: Every effort has been made to accurately represent our product and it's potential. Please remember that each individual’ credit report scores depends on his or her background, dedication, desire and motivation. As with any personal or business endeaverr, there is no certain guarantee that your credit scores will be increased.. Always perform full Due Diligence and seek appropriate Professional advice when contemplating any personal, business endeavor or investment opportunity
