Chicago Area Credit Repair: One Leaf Credit Solutions

Frequently Asked Questions

​Yes, credit training 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 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 by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.

You are entitled to a 100% refund on all monthly payments if:

– You do not remove more than 25% of all the negatives worked on.

– You have had six months from the time you retain our services.

– You have at least four negatives on the credit report at the time of sign-up.

– You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.

– You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.

(Clients should receive updated credit reports every 15-45 days. It is the client’s responsibility to make us aware if updated reports have not been received).

​Through our services, 93% of our clients see their credit score increase 10 points or more in the first 35 days. Over the full 180-day term of the contract, the average credit score increase is 80 points. See full statistical breakdown.
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
If you are denied for a personal loan, there are several steps that you can take to improve your chances of being approved in the future. For example, you may want to work on improving your credit score or reducing your overall debt load. You could also consider applying for a secured loan instead of an unsecured loan. Finally, if your income is not high enough for you to qualify for a personal loan, it might be worth looking into other borrowing options, such as an alternative loan or overdraft.

Why Choose Us?

We’re changing the way people think of credit repair. We are proud to offer a comprehensive suite of credit restoration services that are designed with one goal in mind: helping you achieve financial freedom. Traditional methods have failed to provide consumers with peace of mind, and our innovative solutions are designed for you – so that your financial goals can finally be met!

If you want the peace of mind that comes from having an excellent score, then One Leaf Credit Solutions is here for all of your credit repair needs.

Contact Us Today to Get Started!

At One Leaf Credit Solutions, we value customer feedback. We’re always striving to improve our services and support, and it is important you feel comfortable contacting us with any questions or concerns about your experience thus far.

If there’s anything in particular that you would like assistance with – whether it’s something regarding our products or anything else at all, we’re here 24/7/365. 

Feel free to reach us by phone, email, or chat live with one of our experts today to learn more about our services. It’s the One Leaf difference. Because good people deserve good credit!

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Chicago Area Credit Repair: One Leaf Credit Solutions

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