Frequently Asked Questions
What does Gray Credit Repair and Restoration do?
We challenge any inaccurate and UNVERIFIABLE marks on your credit report. When they inaccurately represent your credit profile its required by law that they remove this account from your credit report EVEN IF ITS YOUR ACCOUNT. There are numerous factors that go into getting an account legally removed and our credit experts at Gray Credit Repair are fluent in getting them removed properly. You even have access to a client portal that allows you to follow the process in real time! We pair this challenging strategy with credit building techniques to improve your score and overall credit profile.
We challenge any inaccurate and UNVERIFIABLE marks on your credit report. When they inaccurately represent your credit profile its required by law that they remove this account from your credit report EVEN IF ITS YOUR ACCOUNT. There are numerous factors that go into getting an account legally removed and our credit experts at Gray Credit Repair are fluent in getting them removed properly. You even have access to a client portal that allows you to follow the process in real time! We pair this challenging strategy with credit building techniques to improve your score and overall credit profile.
How much is your service?
To sign up you will pay $199 and monthly you will pay $120 which is broken down to $99 for credit services and $20 for credit monitoring through IdentityIQ.
To sign up you will pay $199 and monthly you will pay $120 which is broken down to $99 for credit services and $20 for credit monitoring through IdentityIQ.
Why is there a monthly charge?
Unfortunately due to a lot of companies not being honest the federal regulations have placed specific guidelines on credit repair companies to protect the clients.
Unfortunately due to a lot of companies not being honest the federal regulations have placed specific guidelines on credit repair companies to protect the clients.
Is Credit Repair Legal?
Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "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. For items that are disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified but not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "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. For items that are disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified but not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
How long do I have to stay in the program?
There is no contract so technically you can cancel ANYTIME, no questions asked. However, we recommend that you be prepared to be enrolled for at least 7-8 months. It likely took a few years for your credit to really suffer so we ask that you give us a little time to help restore it for you. We have had plenty of clients complete the program well before that, but there is no way to guarantee a time frame so we want our clients to be prepared.
There is no contract so technically you can cancel ANYTIME, no questions asked. However, we recommend that you be prepared to be enrolled for at least 7-8 months. It likely took a few years for your credit to really suffer so we ask that you give us a little time to help restore it for you. We have had plenty of clients complete the program well before that, but there is no way to guarantee a time frame so we want our clients to be prepared.
What is your Cancellation Policy?
Services are provided on a month-to- month basis and clients may cancel their service at any time at least (3) three days in advance of any upcoming recurring payment. When cancelled according to these terms, the upcoming recurring payment will constitute the final payment due for services rendered. All services are billed in arrears.
Services are provided on a month-to- month basis and clients may cancel their service at any time at least (3) three days in advance of any upcoming recurring payment. When cancelled according to these terms, the upcoming recurring payment will constitute the final payment due for services rendered. All services are billed in arrears.
Can you guarantee results?
It is illegal for any credit company to guarantee results, however, we understand the apprehension so we work very closely with you, giving you direct access to your process via the client portal. We provide you with a login to keep up with the process in real-time and also provide you with a credit specialist you can message directly through this portal! We work very hard to ensure your experience is favorable, but if for any reason we fall short please contact us directly so we can make matters right.
It is illegal for any credit company to guarantee results, however, we understand the apprehension so we work very closely with you, giving you direct access to your process via the client portal. We provide you with a login to keep up with the process in real-time and also provide you with a credit specialist you can message directly through this portal! We work very hard to ensure your experience is favorable, but if for any reason we fall short please contact us directly so we can make matters right.