Is credit repair legal?
Yes. Credit repair is legal. The law states that the information that is being reported on a credit report must be accurate and 100% verifiable. If it is not, it must be deleted or corrected. *Cannot assist GA residents*
What are some of the reasons for a low credit score?
There are many reasons for low credit scores. Most identifiable are non payment or late payments but more common than not are inaccurate and unverifiable information being reported on a credit report.
Do I have to hire a credit repair company?
No. You can actually repair your credit on your own. There is loads of information on the internet that can assist you.
If I can repair my credit on my own, why should I hire you?
Not only are we knowledgeable in the credit reporting laws, we are also experienced in getting the laws to work in your favor. We are experts in creating tailor made dispute letters to have inaccurate and unverifiable information removed from credit reports.
What if I hire you and there are no items removed from my credit report?
If there are absolutely no deletions within 180 after signing up, you are entitled to a FULL refund of your audit fee. (certain restrictions apply)
Why should I choose your company?
Pherpose Credit Solutions will work on your behalf with making sure your rights, in accordance with the FCRA, are not being violated by the credit bureaus. We offer the option to only charge for the items that deleted so you pay for results or you may choose to pay monthly. Your in depth credit analysis will be able to determine which option suits you best. We also provide a 24/7 secure client access portal that you can log into to see the status of your account at any time.
Are there long term contracts?
No. We do not believe in providing long contracts. Our job is to remove erroneous information from your credit report in as little time as possible; therefore, we do not want to you lock you into a contract whether you choose ourPay Per Delete plan or ourMonthly plan.
How long does it take to see results?
Every client is different. There is no set answer as to how long it may take to restore your credit. Once you sign up, an in-depth credit analysis will be performed at which time our client care team may be able to provide you an estimate as to when you will see results.
What are some reasons in delays in getting results?
One of the main reasons is the client's failure to get information to our client care team in a timely fashion. Once disputes are sent out on your behalf and received by the credit bureaus and/or creditors, the clock starts ticking. Any correspondence that you receive from the credit bureaus and/or creditors must be submitted to our office within three (3) business days.
Can items reappear on my credit report after it's been deleted?
Yes. Negative accounts that have been deleted may later reappear if verified by a creditor. It's very rare but according to the Fair Credit Reporting Act, the credit bureaus must inform you before they reinsert a previously deleted account. If this situation does ever occur, we will help you challenge the account within legal means.
How soon once I'm signed up will you get started and when do I have to pay?
After a successful consultation and signup, your first round will be sent out within seven (7) days at which time you will be billed the one time audit fee of $198.00 for the PPD option or $149 for the monthly option. Payment under the monthly plan will be due 30 days and each month thereafter after audit fee. Payment will be due All payments will become due 30 days after audit fee.
Is there a refund policy?
Absolutely! If we are unsuccessful in removing any items from your credit report from any of the three credit bureaus within 180 days, you are entitled to a FULL refund of your enrollment/audit fee if utitlizing the pay-per-delete option. If utilizing the monthly option, you will receive a FULL refund minus the enrollment/audit fee. *Credit monitoring must remain active or will void money back guarentee.
Is your company bonded?
What is PPD and how does it work?
PPD or Pay Per Delete allows you to only pay for items that have been deleted. The PPD pricing is per item/per bureau. Once you accrue a balance for items that have been deleted, you will be billed for monthly the total amount which is due within fifteen (15) days. If you accrue a total balance of $700.00 or more, you will not be required to pay the balance in full within fifteen (15) days. You may opt to be placed on a hybrid model that will allow you to pay $99.00 a month until the balance has been paid in full. If your balance is $700.00 or more and you choose to pay the full balance upon receipt within fifteen (15) days, you will receive a discount of $100.00 off the total amount due.
Do you offer a referral incentive?
Absolutely! For each referral that signs up and remains active for at least 60 days, we will credit your account $25.
How do I book a consultation?
You can book through the website. * Please note that failure to cancel consultation within 3 hours of scheduled time will result in a $25 consultation fee to reschedule.
Information we collect
The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point we ask you to provide your personal information.
If you contact us directly, we may receive additional information about you such as your name, email address, phone number, the contents of the message and/or attachments you may send us, and any other information you may choose to provide. When you register for an Account, we may ask for your contact information, including items such as name, company name, address, email address, and telephone number.
How we use your information
We use the information we collect in various ways, including to:
Provide, operate, and maintain our webste
Improve, personalize, and expand our webste
Understand and analyze how you use our webste
Develop new products, services, features, and functionality
Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the webste, and for marketing and promotional purposes
Send you emails
Find and prevent fraud
Advertising Partners Privacy Policies
Note that Pushed2Purpose CEO LLC dba Pherpose Credit Solutions has no access to or control over these cookies that are used by third-party advertisers.
Third Party Privacy Policies
CCPA Privacy Rights (Do Not Sell My Personal Information)
Under the CCPA, among other rights, California consumers have the right to:
Request that a business that collects a consumer's personal data disclose the categories and specific pieces of personal data that a business has collected about consumers.
Request that a business delete any personal data about the consumer that a business has collected. Request that a business that sells a consumer's personal data, not sell the consumer's personal data. If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.
GDPR Data Protection Rights
We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:
The right to access – You have the right to request copies of your personal data. We may charge you a small fee for this service.
The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.
The right to erasure – You have the right to request that we erase your personal data, under certain conditions.
The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.
The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.
The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.