At Credit Lab we know that you want to get your credit restoration efforts underway as quickly as possible. That's why we've put all the information you need to get started right here including how we work with you, the fees we charge and what information we will need from you to get the credit restoration process started.
First Things First...
Upon enrollment, you will be contacted by phone within 48 hours by a Credit Lab associate to welcome you into our program and answer any questions you may have. You will be e-mailed our start up packet. We will need you to print out the forms, sign all of the necessary documentation, and make copies identifying information. It is very important for you to follow the instructions provided. We will also need you to mail us the original signed documents and also send us a copy of your credit reports from TransUnion, Experian and Equifax. You can obtain your free credit reports from www.annualcreditreport.com or by calling 1-877-322-8228. Please make copies of all documentation for your records.
Upon receipt of your documentation, your information will be set up in our system and we will begin the dispute process with the three major credit bureaus. This will be your first cycle, which will last approx. 45 days. Once the credit bureaus have completed their investigations they will send you updated credit reports that show the results of their investigation. Simply make a copy for your records and forward the updated reports to us and include any other correspondence you receive from them.
Whenever we receive your updated reports we document the progress, mail you a progress report then send the next round of disputes, thus gradually working through your selection list of negative items. This process will continue the same way for the remainder of time spent with us.
Simply put. Your job is to forward the mail.
How much does it cost?
At Credit Lab we believe the fees for our service should be fair and upfront. When you enroll, Credit Lab will bill you $69 for our setup fee. This covers the most costly portion of our service which is setting up your case. Each month that you remain in our program you will be billed a flat fee of $49 for services performed the previous month. We will never charge fees in advance. Our services are discounted for married couples. The set up fee is $99 and the monthly service fee is $74.
You are free to cancel at anytime without penalty.
What can I expect from Credit Lab?
Excellent Support - Not only will Credit Lab be there for your credit restoration journey, we will also be there for the rebuilding process. We have helped many of our clients create budgets, plan for the future and assisted them with their home buying process.
Excellent Guarantee - We ask that you remain in our program for 2 complete cycles lasting approximately 90 days. If there are no corrections/improvements made on your file we will refund all of the monthly payments that were made. The set up fee is non-refundable.
Our average client will be with us for 8 months to 1 year before they achieve their goals. Each persons situation varies. Some are with us for 6 months, some 1 year. But you are not bound by any contract and can cancel our service at anytime. Your stay at Credit Lab will also vary by your participation in getting credit reports back to us as well as cooperation from the Credit Bureaus.
Month by Month, negative inaccurate and unverifiable items are removed from your credit reports-and your credit scores increase!