General Questions

Yes! In short, the Fair Credit Reporting Act gives consumers the right to dispute any item on their credit reports. Once your dispute has been received by the credit bureau(s), they have 30 days to investigate then render a decision (the item can either be verified, updated, or deleted). 8 out of every 10 credit reports contain errors, therefore your credit profile/scores has a high chance of improving after the first round of dispute. Even if an item comes back as verified, you can still dispute the account and this is where our expertise comes in.
There is no limit to the amount of times you can dispute an item on your credit report. Under rare circumstances, an account may be flagged as frivolous by the credit bureau. A simple fix would be to dispute the account using a different reason than you've used in the past and attached additional evidence.
Yes! But it is NOT an overnight process and most "quick fixes" are illegal. Results will definitely vary because each credit profile is unique. Trust your process; if hiring, make sure the professional is experienced and provide credit education in addition to repairing the credit, and last but not least, Trust your process!
Each credit profile is different, however most of our clients see credit score improvement within the first 30-45 days.
Here at BTK FINANCIAL, we pride ourselves on responding timely to every inquiry, educating our clients on credit, explaining the Vantage vs FICO scoring model, the different factors that can affect a credit score, and how they can maintain their credit on their own. One of our core values is transparency and so we keep our clients informed from the beginning of the process to the end. Every update will be sent via text and email with the opportunity to schedule a clarity call to discuss further. Each client also have their own secured portal which they can log into 24/7 to check on their progress and communicate with their assigned specialist. We are so confident in our process that we offer a 180 day money back guarantee.
We are confident that you'll love the service we provide but in the event that you are not, you are entitled to a full refund of your monthly fee or Gold Package fee if:

- There has been no positive improvement to your credit profile or scores after 6 months from the date of enrollment.

- You have not used another credit repair agency or attempted to repair your credit on your own one year prior to enrolling with BTK FINANCIAL.

- You have maintained your credit monitoring service.

- You have sent us all correspondence received from the credit bureaus and/or creditors/collection agencies.

Yes. We reserve the right to sever our working relationship (with notice) if you do not maintain your credit monitoring, continuously apply for new credit while in the repairing phase (unless previously discussed), missed a payment on any current/active accounts, and/or failed to make your payment as scheduled. A failed payment notice will be sent, if payment is still not received within the time frame allotted, contract will be canceled and a new enrollment fee will be due upon re-entry into the program.
Typically no, however there are instances where a deleted account can re-appear on a credit report such as: the debt was sold to another collection agency who then reports it to the credit bureaus or an original creditor who was previously past the deadline updates the credit bureaus that the account is accurate. If an item was deleted then re-inserted, the FCRA requires that the credit bureaus send you a written notice of the re-insertion within 5 days.
We have been successful in removing unverifiable items such as late payments, inquiries, Bankruptcies, medical bills, collections, foreclosures, charge-offs, Reposessions, student loans, child support, tax liens, judgments, outdated information, and more from our clients credit reports.

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