Frequently Asked Questions

• I will provide you with education, guides and tips to help you be successful.
• Credit repair process is not a quick fix, this is a lifestyle change that will serve you well for the rest of your life.
• You are responsible for paying down the balances on your positive open revolving trade lines to aid in increasing their credit scores keeping them under 30% credit utilization.
• You must not apply for or acquire any OTHER ADDITIONAL INQUIRES DURING THIS PROCESS EXCEPT FOR YOUR SECURED CARD/CARDS.
• If indicated, you are responsible for applying for your 3-4 secured card/cards to rebuild your credit within 45 days after signing up for the program. Secured cards include Ava, Open Sky, Capital One,  Discover and Merrick Bank.

 Throughout this process, always remember: 

• It takes up to 30 Days for any of these items to get reported and often longer to reflect on your Credit History Reports. 
• Very often we must write a series of letters challenging the credit bureaus. 
• Each time we must allow them 30 days to respond. It can feel like a slow process, but hang in there, because it does work, and the end result will save you a tremendous amount of money.  
• *You are required to enroll in a Credit Monitoring  Service

• We will dispute all derogatory items that are listed on your credit reports which consist of Collections, Charge-Offs, Late Payments, Judgments, Debt Validations, Medical Collections, and Inquires.
• We will send letters to each of the (3) Credit Bureaus; Experian, Equifax and  disputing the negative items listed and/or the Collection Agency and make them validate the debt or debts that are in question. 
• This process begins immediately after you have signed up and submitted all required documents and payment.

 In order to sign up for the program you must submit:

• Copy of Driver’s License or State ID
• Social Security Card or Number
• Current Utility Bill (If address doesn't match ID)

• It is your obligation to adhere to the responsibilities assigned to you above.
• If you continue to neglect this agreement; SHE Accounting Solutions will cease to work on your behalf and you will forfeit your service fee.
• No portion will be refunded to you.