We Love Our Clients
And we thank you for placing your trust in us. Here are a few things you will want to remember, as well as answers to the most frequently asked questions:
How Will I See The Updates On My Credit Report?
Every 35 days, at the end of a challenge cycle, we will pull your updated credit report and update your Secure Client Portal with the results. We will also send you an email with all the significant updates, as well as insight as to why your scores changed. These might include pointing out that a credit card balance increased significantly, and advice on what you can do to help us help you. app settings and press "Manage Questions" button.
I can see that negative accounts are being removed, but my score isn’t changing. What’s up with that?
This is totally normal. Depending on the balance of negative and positive accounts, it may take a while to remove enough negative items and add enough positive information to really shift the balance and see that reflected in your score. That doesn’t mean nothing is happening, though. Every reported negativity we remove strengthens your overall credit profile and makes you more attractive to lenders and credit card companies, which is the goal. Here’s a secret though: Your score doesn’t really matter. What matters is the overall makeup of your credit profile. We know PLENTY of people whose scores can be above 725, yet because of their overall profile no one will finance them a dime. But, even if you have a lower score but your overall profile is healthier, you have a better chance of being approved for what you want, which is the only purpose for credit in the first place.
Can I book an Update Call to have a conversation about my file updates and results?
Yes! Please Book an Update Call at the top of this page.
When is my payment date?
Your payment date will be on the anniversary date of the day you signed up initially. For example, if your first payment was on the 16th of the month, you will be billed on the 16th of every month. The only exception is: if the 16th falls on a Sunday, the bank that does our payment processing may process your payment on the Saturday before.
What do I do with the letters I receive?
We need to see any communication you receive from creditors, collectors or the credit bureaus. You can scan or take pictures of this communication and either upload it into your Secure Client Portal or email it to info@candsfinancialsolutionsllc.com.
What if a creditor calls me on the phone?
Do not give any collection company any information about you, including your name. Simply tell them that you want all communication to be through mail, and that you do not give them permission to contact you on the phone.
Why are my scores different on all my different apps?
Well, that is because you don’t actually have a credit score. You have a Credit Profile which contains all your information. The information on your Credit Profile gets run through an algorithm called a Scoring Model which gives particular values and weights to the information in your profile, which then gets calculated to create your score. There are dozens of different Scoring Models, and they all calculate the information slightly differently, so your score will be different on all of them all even though they are calculating the same information. The two main Scoring Models are FICO and Vantage, and there are even several different versions of the FICO and Vantage scores. The main thing to know is that as long as negative items are being removed and you are consistently adding positive information in the form of on-time payments and low balances on your credit cards, your credit will improve.
Can I still apply for credit during the repair process?
Absolutely, and we will suggest that you open specific credit accounts based on your credit profile. These accounts will be tailored to you, and will plug the holes in your specific credit file and maximize your score.