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Frequently Asked Questions

Absolutely! Credit restoration works in most circumstance. But the biggest mistake most people make is they try to do it themselves and often make it worse. The best thing you can do is team up with me and my team of experienced Credit Conductors and follow our advice. 

 
Anyone with a credit score below 720 can benefit from our advice to make their credit as strong as steel!
 
It is possible to remove anything from a credit report, even accurate items. For example, if a creditor makes mistakes or does not adhere to certain requirements, the negative item may be removed. 

Fast! Initial results tend to show up within 30 Days. We're quick and efficient and mail off dispute letters within the first week. Credit Bureaus have 30 days to respond to dispute letters, so you will see improvement within the first 45 - 60 days. 

 
NOTE: Each credit report is different, so your results will vary based on your current credit standing and your credit goals. Many clients on average stay aboard the Back On Track Train for 6-9 months. 

We're fast, efficient, affordable, trustworthy and we GET RESULTS! No Hidden Fees. Many of our clients who have worked with the big credit repair law firms in the past were completely blown away by what we were able to do in a much shorter timeframe.

Our passengers aboard the Back On Track Train have had great success removing bankruptcies, collections, charge-offs, repossessions, medical bills, utilities, credit card debt, inquiries, old addresses, judgments, tax liens and student loans.

 
Your credit situation is different from everyone else's, so as soon as you select your ticket we'll get you on the phone to dissect your standing and create a plan forward.

Rarely... 98% of items do not come back. By law, collection agencies and credit bureaus must notify you before putting items on your report. While collection agencies can transfer debts, by law you have 30 days to respond to the debt. If an item does show up again, we can work towards disputing it.

We will guide you through the process from start to finish and do all the heavy lifting for you like preparing documents. Our team of Credit Conductors has a great deal of knowledge of the FICO scoring model, along with loads of experience working with creditors and credit bureaus.

 

It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money-back guarantee system.

 
(Clients should receive updated credit reports every 45 days along with a game plan containing your next steps forward. We'll cover more of this with you on your call after you select your Train Ticket.

Yes, it's legal thanks to the "Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. 

 
Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports! Therefore most credit reports improve immediately. It is our job to prepare documents to challenge items showing up on your credit reports, and that's where we shine!

The expenses of each of our packages are detailed on the Pricing Packages page.

Yes, you have the right and responsibility to keep track of and preserve your credit. The Fair Credit Reporting Act is a series of legislation created by the government to assist you. If you need assistance from professionals who work with the bureaus and these laws on a daily basis, Back to Track is here to help.

No. That isn't a viable plan. Millions of disputes are sent to credit bureaus and creditors every month. They are prepared to manage a high volume of challenges, therefore we expect a response when we attack an item on your credit. Every one of our challenges is a one-of-a-kind argument.

Yes, your credit is your own; nevertheless, you should be aware that asking for new credit will result in new queries on your credit report, lowering your credit score.

It is your right and responsibility to ensure that the information on your credit reports is accurate. If you believe that information on your credit reports does not accurately reflect your consumer behavior, you have the right to request that the problematic material be deleted from your reports.

You have the legal right to dispute erroneous entries on your credit reports with the credit bureaus and individual creditors under the Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA), and Fair Debt Collections Practices Act (FDCPA).

Back to Track helps consumers repair their credit by disputing unfavorable items on their credit reports that are erroneous, untimely, deceptive, biased, incomplete, or unverifiable. 

YES. While we work on your credit history, it is your obligation to protect your credit. You will be working against us if you add new damage to your credit report.

What you don't know Can hurt you

That is why we are here to assist you in understanding credit. We feel that having a better grasp of the process will protect you from future credit-related difficulties. Back to Track’s purpose is to educate as many people as possible about credit. What you don’t know about credit might damage you, so learn everything you can. If you have any questions that aren’t answered on this page, please contact one of our experts. Any queries you may have will be gladly answered by them.

WHY DO I NEED TO CHECK MY CREDIT SCORE?

A strong credit score will get you lower interest rates on mortgages, autos, credit card offers, job offers, insurance premiums, and other things. A high score is valuable since it saves you money on unnecessary expenses.