Premier | Frequently Asked Questions
Premier | Frequently Asked Questions
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Frequently Asked Questions

What is Credit Repair?

Credit repair is a service provided under the CROA that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated, misleading, and/or unverifiable.

How long does the service take?

On average, the process can take 3-6 months. We have experienced clients successfully graduating our program before the 3 months and have also experienced clients being enrolled beyond 6 months.


Our process is highly individualized and clients will be provided with an estimated time of service during the initial one-on-one enrollment session.

What items can be removed?

The FTC found that 4 out of 5 consumers have inaccuracies on their credit reports that caused them to be denied for credit or granted credit at an unfavorable interest rate.


Any negative item (collections, charge-offs, foreclosures, bankruptcies, repossessions, late payment indicators, student loans, judgments, tax liens, child support, inquiries, and/or personal data) that is questionable, inaccurate, outdated, misleading and or unverifiable can be legally and permanently removed from a credit profile.

How much will my score increase by?

There are far too many factors that make up the credit score; so it is impossible to give you an accurate prediction of how much your credit score will increase.


In addition, we don’t know what you are going to do during this process. You might get new late payment indicators, max out your credit cards, get new credit, get new collections, get a judgment placed against you, or one of hundreds of other things that would change the outcome of your service and your overall credit report and score.


However, just a 20 points FICO increase can mean the difference of tens of thousands of dollars in interest paid over the life of an average priced home.


We, and our associates, have a proven track record of raising FICO scores quickly and effectively to give our clients better purchasing power.

Is there any way to speed up the credit repair process?

The answer is simply NO. By law, the credit bureaus have 30-45 business days from the date of receipt to investigate the challenges submitted.

Should I dispute online?

It is not wise to dispute online. Online disputes go through an expedited dispute resolution process. Which sounds perfect until you read further into the Fair Credit Reporting Act (FCRA).


The FCRA clearly states that if a dispute goes into expedited dispute resolution process then the bureaus do not have to comply with certain sections of the FCRA. Disputing online enables the bureaus to ignore the law!


Also when disputing online, credit bureaus do not have to provide consumers with their method of verification which further makes it easier for them to remove an item and reinsert it back on the credit report.

Why do I have to be enrolled in a credit monitoring service?

Enrollment in a credit monitoring service allows us to monitor your progress month to month for important changes to your credit report and credit score.


Keeping a monitoring service is a requirement of our service.


Failure to keep an active monitoring account could result in suspension of services.

What are my credit scores and why are they different? Is Credit Karma, Score Sense, Credit Check Total, and etc. accurate?

You have thousands of credit scores not just 3. You have credit scores for each lending product (credit card, mortgage, auto loan, and etc.) available and FICO (Fair Isaac and Company) has multiple credit scoring models.


The sites mentioned above provide you with an educational credit score. We have witnessed an average score variation of 50 points.


We encourage you to shift your attention away from your credit score but more towards what is located within your credit report. Once you begin applying the FICO credit-scoring model to your credit reports, an increased credit score will follow.

What can I expect from Premier Planning and Consulting Group, LLC?

As a client of Premier Planning and Consulting Group, you can expect:


  • Regular challenges submitted to all three (3) credit bureaus, creditors, and/or collection agencies.
  • 24/7 access to the work completed on your credit profiles.
  • A detailed chart audit progress report starting every 90 days from your initial enrollment session.
  • Email, phone call, and/or portal response time within 24-48 hours.
  • Honest, professional, and courteous customer service.
What does Premier Planning and Consulting Group expects from its clients?

As a client of Premier Planning and Consulting Group, we expect that you:


  • Provide us with updated contact information (phone, address, email address, and etc.)
  • Promptly forward us copies of any and all credit related information that you receive via mail to our office
  • Remain actively enrolled in a credit monitoring service.
  • Login the client portal at least once per week to determine the status of your credit repair process and for important announcements.
  • We ask that you communicate any questions and/or concerns that you have regarding your credit, credit repair process, money management, and etc.
  • We expect to receive prompt payment for the monthly service fee. As explained in our engagement agreement, we bill in arrears. This means that you pay for the credit repair work after it is completed.


Failure to remit monthly service fee by the 1st or the 15th (your choice) will result in delay in services, a $19.95 late fee, and/or suspension of services.