Restore A Dream Credit Service
3455 Peachtree Road. Suite 500
Atlanta, GA 30326

Phone: (770) 648-6063
Email: support@restoreadream.com

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Frequently Asked Questions

What is "Credit Restoration"?

Your credit report is nothing more than a big brother report card updated by your creditors and maintained by the credit reporting agencies; Equifax, TransUnion, and Experian. We just make sure that these credit reporting agencies were fair when they filled out that report card. We also make sure that what’s on that report card even belongs to you! When we address an issue we find within your credit report and improve your credit, that’s credit restoration.

Are your services guaranteed?

Yes, we guarantee that all items from all Credit Bureaus that you want us to dispute will be disputed to the best of our abilities. Restore A Dream Credit Service Inc. uses aggressive strategies and conventional dispute methods to ensure maximum results in restoring your credit. We look forward to improving your credit rating as quickly as possible.

How is credit scores calculated?

There are five factors in determining your credit score:

  • Payment History
  • Amounts Owed
  • Length of Credit History
  • Taking on More Debt
  • Types of Credit in Use

How much will a person with bad credit pay in fees and interest rates?

Over the course of a lifetime, the average person with bad credit can pay anywhere from $250,000 - $1 millions in interest and fees such as down payments and deposits, and much much more.

How does the credit dispute process work?

  1. You enroll into the service
  2. We prepare the dispute letters on your behalf.
  3. We send the dispute letters to you and you sign and mail them off to the 3 Credit Bureaus
  4. You wait on the Credit Agencies response.
  5. You mail the response to us.
  6. We update your account.

What other service do you provide?

  1. Credit Dispute Service
  2. Credit Score Builder Coaching
  3. Develop Effective Budget Plan
  4. 24/7 Online Account Access
  5. Seminars and Classes

How long is the Dispute Process?

Depending on your selected payment option. You can make monthly payments and cancel the process when you choose to or you can pay the one-time payment and receive 1 year of dispute service.

Is there a refund policy?

Yes. We offer a Satisfaction Money Back Guarantee. We ask that you stay on our credit dispute service for at least 6 months for maximum results before you decide to cancel. If you are not satisfied within the first 6 months then upon request we will refund you the cost of your credit restoration minus the setup cost and the cost per deleted item.

Who can benefit the most from our Credit Restoration Service?

Anyone with a credit score below 650.

Who can benefit the most from our Credit Score Builder Service?

Anyone with a Credit Score of 720 or lower.

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act (FCRA) is a federal law that regulates how consumer reporting agencies use your information. Enacted in 1970 and substantially amended in the late 1990s and again in 2003, the FCRA, among other things, restricts who has access to your sensitive credit information and how that information can be used.

How do I get a copy of my credit report?

We, by law, are unable to order a copy of your credit report. Since we cannot pull your credit for you, we ask you to sign up for a trial membership with a credit reporting company such as privacyguard.com that will provide you with your scores along with a complete copy of your credit file.

How can you restore bad credit?

Once we have your credit reports, we then dispute the questionable items to the credit reporting agencies, and creditors/lenders on your behalf. Any information the agencies or creditors cannot verify is removed. Any dispute not responded to within the allowed response time is removed.

Probably sounds easy, but if you ask someone who has attempted to dispute their own credit, they will tell you it's actually not. According to federal law, the credit agencies can ignore your dispute under a variety of conditions. A large percentage of dispute letters sent directly from consumers are rejected under one credit agency pretext or another. Making it a very time consuming and frustrating task.

After we dispute your inaccurate credit, a new copy of your credit report will be sent to your address showing any deletions or improvements. When you receive your new copy you'll send us the updated version of your credit report, so we can continue disputing the remaining inaccurate/negative items.

Any accurate and verifiable information will remain on the credit report. All too often, disputed credit items cannot be verified or in many instances the creditor will not respond to our dispute due to our approach and the negative item is removed.

How long does the restoration process take?

Every client is different, but generally you can expect to start seeing some progress in 3 months, and a significant improvement in 6 months. Credit Restoration is a process and although we work quickly to restore your credit we can only move at the credit reporting agencies, court houses, and creditors' pace. Each case is different.