Can I contact someone at Build Perfect Credit before I decide to sign-up?

Absolutely! We encourage you to call one of our professional credit analysts and ask any questions that may help you in determining the best solution for you credit needs. You can visit the Contact Us page on our site and contact one of our representatives at your convenience.

Why should I choose Build Perfect Credit?

We Produce Results! There are several factors that set us apart from our competitors. BPC prides itself on our results, superior customer service and utmost respect for clients. We stay current on consumer credit laws and economic issues, and we utilize the newest technology and proven techniques to ensure successful removal of inaccurate credit report information for our clients. Your privacy and confidentiality (especially in regard to your social security number, credit card number and credit report information) are protected with BPC. Our Customer Service Guarantee is effective from day one. You do not have to be a client for any particular amount of time before you are protected by our guarantee.

What services does Build Perfect Credit provide?

At this time, BPC focuses exclusively on offering premier credit report repair services. In the future, we may offer additional services. We'll provide that information to the public as it becomes applicable.

How does the Build Perfect Credit Refund Policy work?

Our Refund Policy is simple and straightforward. Each month that you remain a client, you pay a Monthly Fee. During any month, if we fail to provide the agreed upon services (as outlined in the Service Agreement provided during the sign up process), we will not bill you for that month or will refund your Monthly Fee if already billed. If you are still unsure about the Refund Policy or have any other questions, contact us. We'll be happy to answer any questions you may have. .

Does Build Perfect Credit offer any kind of discount?

BPC provides couples a 2-for-1 discount when signing up for our service. Since couples often join finances, budgets, and expenses, their credit history seldom represents "double the work". Our couples discount results in a substantial savings for couples who pool their resources and maintain joint accounts.

What type of information does Build Perfect Credit collect?

The personal information that we collect is limited to the information that you provide to us when you sign up and use our services. This information consists of your name, address, email address, phone number, social security number, date of birth, and billing information. Additionally, you provide us with the information contained in your credits reports when you send us a copy of your three credit reports.

When does Build Perfect Credit disclose personal information?

BPC will not share, sell, transfer or convey your personal information to any unaffiliated companies or third parties. Build Perfect Credit maintains strict confidence of your personal information. We even have strict policies for all Build Perfect Credit employees when it comes to sharing personal information internally. .

How does Build Perfect Credit protect personal information?

BPC safeguards the security of the data you send us with physical, electronic, and managerial procedures. We urge you to take every precaution to protect your personal data when you are on the Internet. Change your passwords often, use a combination of letters and numbers, and make sure you use a secure browser. The BPC web site uses industry-standard Secure Sockets Layer (SSL) encryption on all web pages where personal information is required. To sign up for our service, or to log into the client section of the web site, you must use an SSL-enabled browser such as Netscape Navigator 3.0 or later, or Internet Explorer. This protects the confidentiality of your personal information and credit card information while it is transmitted over the Internet.

Is Build Perfect Credit Managed By Attorneys?

Yes. We were co-founded by attorneys. Our founders oversee the entire process and work closely with our case advisors to ensure that you receive the best results possible.

How does the Build Perfect Credit credit repair process work?

1.) Sign up for our service 2.) Forward your credit reports 3.) Select the items on your credit report to dispute 4.) Use the online case manager to monitor your results.

How long will it take to repair my credit report?

Our clients typically start seeing results in 45-60 days. Because everyone's credit profile is different, some cases are completed in that time, but the average length for our clients is 6 to 8 months. It really depends on the type and number of items that need to be addressed in the credit profile. Successfully repairing credit requires persistence, patience and experience. This is where BPC's expertise saves YOU valuable time. To effectively dispute incorrect information on your credit report, the key is knowing the 'valid disputes' and understanding the methods used by the credit bureaus in order to submit personalized disputes that meet their requirements and warrant a timely response.

Can Build Perfect Credit remove Bankruptcies from my credit report?

Every consumer's situation is different. If you have a bankruptcy on your credit report that you feel is inaccurate, misleading, incomplete, or unverifiable in some way then we can dispute it for you. We cannot promise that a bankruptcy will be removed. However, BPC has successfully removed bankruptcies from our clients' credit reports in the past.

Does Build Perfect Credit work with creditors?

To provide the best results for our clients, yes we interact with creditors. We create and send of custom dispute letters to the three major credit bureaus: Equifax, Trans Union, and Experian. Once you mark the accounts you want disputed we also send letters to your creditors, requesting verification of the information listed on the credit reports. If they are unable to verify the information they are reporting then they are required by law to remove or update the information reporting.

How does Build Perfect Credit work with joint accounts?

We handle joint accounts in the same meticulous manner as individual accounts and we will dispute the information in your name only. Keep in mind that deletions resulting from your disputes may be deleted from the other person's credit report as well. If you intend to apply for credit together in the future, make sure that both of your reports are in good standing. To help you, you may want to enroll in the couples program.

Can I Cancel Anytime?

You may cancel at anytime. Our refund policy is effective from the day you start working with us.

Does Build Perfect Credit Simply Dispute All My Negative Items?

Absolutely Not! Federal Law requires that all disputes be submitted in good faith. When you become a client of BPC, you provide us with the necessary information about the items on your credit report that qualify for a good faith dispute. We will dispute any item, positive or negative, that you review and mark for dispute. Simply disputing every negative item without consulting our clients is not only illegal and ineffective, but also results in a high return of frivolous responses.

What is a Frivolous Dispute?

Consumer reporting agencies must investigate items in question unless they consider a dispute to be frivolous. A blanket dispute (i.e. all negative information is challenged) may be considered evidence that a dispute is frivolous, or if you fail to provide any allegations concerning specific items in your file. Frivolous disputing increases the amount of time it takes to repair your credit profile and your overall success rate.

Does Build Perfect Credit Provide My Credit Report?

No. When you become a client of BPC, we request that you submit your credit report to us. If you don't have a copy, we'll show you where you can get a copy of all three reports for free. If you do not qualify for a free report, we show you a number of websites where you can purchase reports online for a low cost.

We do not provide your reports to you because the process of obtaining your report would result in an inquiry being placed on your reports. Each inquiry negatively affects your score. Our goal is to help you raise your score - not lower it. If you obtain your report yourself and submit it to us, no negative inquiry will appear.

How Do I Submit My Reports and Information To Build Perfect Credit?

BPC provides several ways to submit your credit reports to us. You can fax them to us. You can mail them to us. You can email them to us. If you are in the area, you can drop them off at our office. You can upload them through our website. You can also provide user information for the website where you purchased the reports and we'll download them for you.

What are my rights as a consumer? Is credit repair legal?

Yes. It is your legal right to dispute items on your credit report. BPC leverages your consumer rights and our experience to engage the credit bureaus and your individual creditors.

How does the Federal Trade Commission (FTC) view credit repair?

The FTC focuses on the unethical individuals who have taken advantage of the rising demand of credit restoration by posing as credit repair companies on the Internet or via telemarketing; companies that make big promises but provide little results.

Consumers should avoid credit repair agencies that guarantee results without exception or guarantee the ability to remove a bankruptcy from your credit report. Their methods are usually unethical and/or even illegal and may subject you to personal liability.

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act (FCRA) is an American federal law that regulates the collection, dissemination, and use of consumer credit information. (Full Statute in PDF format)

The FCRA protects consumers and regulates the consumer reporting agencies (CRAs). It provides guidelines for the Credit Bureaus to make sure there is consistency between them, to make sure that accurate information is being reported, and to protect consumers from inaccurate information. It is also in place to ensure that credit bureaus and resellers of consumer reports provide information to creditors, insurers, employers, and others, with due regard for the confidentiality, accuracy, and legitimate use of such data. When those parties take adverse action on the basis of information in a credit report, they must identify the CRA that provided the report so that the consumer can learn how to get a copy to verify or contest its accuracy and completeness. Creditors and others may not knowingly provide false information to CRAs, which are required to maintain reasonable procedures to ensure the maximum possible accuracy of their data.

The FCRA also states that you are entitled to a free copy of your credit report if you've been denied credit, insurance or employment and request the report within 60 days of notice, or if you can prove:

• Your report is inaccurate because of fraud
• You are unemployed and plan to look for a job within 60 days
• You are on welfare

Where can I find more information on my rights as a consumer?

You may find a wealth of information on your rights as a consumer on the Federal Trade Commission's web site.

Can I repair my own credit?

Yes. Depending on your time, patience, perseverance, and complexity of your dispute, you can successfully dispute inaccurate credit report items on your own. However, credit bureaus' strategies and tactics make the process often time consuming, overly burdensome and ineffective for the consumer. Disputing items is not difficult; getting results is.

Disputes: Build Perfect Credit Vs. Me?

BPC has extensive experience in working with the credit bureaus. We are more likely to anticipate the tactics and responses of the credit bureaus. We stay current on consumer credit laws and economic issues. We utilize the newest technology and proven techniques to ensure successful removal of inaccurate credit report information for our clients.

How is my credit score affected during the repair process?

During the dispute process with the credit bureaus, your score may change periodically. When disputing 'negative' information on your credit report, the credit bureaus will remove the item(s) in question until it is verified, modified, or deleted. Since we are disputing primarily 'negative' items on your report, your score may increase during the process because the negative item is removed until the investigation is over. This temporary score is not necessarily an indicator of your final credit score. (Disputing personal information such as an incorrect address or date of birth will not typically affect your credit score.) Upon completion of the dispute process, your credit report will then show the new score. Keep in mind that each credit bureau has different criteria for determining your score, which is why your score varies from bureau to bureau.

What makes up my credit score?

Credit scores are used by creditors to measure the 'risk factor' of a consumer who is applying for a loan or credit line. The credit score can be broken down into the following categories:

• Payment History - 35%
• Amount Owed - 30%
• Length of Credit History - 15%
• New Credit - 10%
• Types of Credit in Use - 10%

Keep in mind that the credit score algorithm is closely monitored by its creator: Fair Isaac Co. (also known as FICO). As a result, everyone's situation is different.

What Are The Main Credit Bureaus?

The three credit bureaus are: Equifax, Experian, and TransUnion. You may click on any of the links to view each bureau's website.

What are Inquires?

Part of your credit score considers the number of inquiries on your credit report. Credit inquiries are placed on your credit report each time a business requests a copy of your report. The Fair Credit Reporting Act (FCRA) requires businesses to have an acceptable reason for accessing your credit report. Acceptable reasons include:

• To grant credit
• To collect a debt
• To underwrite insurance
• For employment
• Licensure by a government agency
• Business transactions

An inquiry that reports on your credit report can drop your score anywhere from 2-5 points. The inquiries on your credit report will remain for two years but only affect your credit score for one year.

How can Build Perfect Credit affect my credit score?

BPC focuses on removing inaccurate, misleading and unverifiable information from your credit profile. Your score is partially based on your entire credit history, and since we are working to correct negative items within your credit history this is likely to have a positive effect on your scores. Also, each bureau has a different method of receiving information from creditors and not all creditors report to all credit bureaus so that will cause your credit scores to be different with each one. Since your scores can be different for each bureau as we work on your credit reports each bureau will updated differently and it will affect those scores differently.

What does "Opt Out" mean and how do I "Opt Out"?

More organizations are offering consumers choices about how their personal information is used. Many consumers want to stop companies from using their personal information for marketing. Thus, many companies let consumers "opt out" of having their information shared or used for marketing purposes. To opt, visit the credit bureau websites listed above and click on "Contact Us" page and then look for the information for Opt Out.