Email: info@creditscorelab.com   Phone: (847) 440-4723

Do you have any questions?


Please read questions bellow and if you can not find your answer, please send us your question, we will answer you as soon as possible.

How it works?

  • How can I Sign up for a Supervision Plan $49.99 / Month ?

    Answer: Easy. Just click “TRY IT NOW!” button in menu. Pick “Supervision plan“. Select how many months you want to be subscribed for. We recommend to start at least with 6 months to see the results and you are always welcome to continue subscription to our Supervision services.
    This service include your Credit Report Analysis
    Determination of negative inaccurate information
    Submitting information to bureaus for their review
    Removing negative inaccurate information out of your report
    Consultation from our counselors about debts and how to keep your credit score “healthy”.

    After your picked for how many months you want to sign up, just press check out button and that is it. CREDIT SCORE LAB will receive your information and will start working on it RIGHT AWAY!

  • How can I Purchase Credit Repair Service for $299.99 / One time Flat Fee per person ?

    Answer: Please click to “TRY IT NOW!” menu button. Pick “Credit Repair Service” and press check out button. It’s one time flat fee of $299.99 per person and it does include everything from Your Credit Report Analysis. Determination of Negative Inaccurate information, Submitting information to credit bureaus. Removing all negative inaccurate information including collections, charge offs, late payments, judgements, liens, bankruptcy, foreclosures and repossessions. Counselor recommendation how to negotiate and consolidate debts and raise your credit score. After results are received we will perform Credit RE Scoring Process that will raise your Credit Score 50+ points. Usually time frame for this service its 30-45 business days. After check out CREDIT SCORE LAB will receive your personal information and will start working on your Credit Repair RIGHT AWAY.
  • How can I Purchase Family Package for $499.99 / One time Flat Fee for two persons?

    Answer: Please click to “TRY IT NOW!” menu button. Pick “Family Package” and press check out button. It’s Discounted one time flat fee of $499.99 for two persons and it does include everything from Your Credit Report Analysis. Determination of Negative Inaccurate information, Submitting information to credit bureaus. Removing all negative inaccurate information including collections, charge offs, late payments, judgements, liens, bankruptcy, foreclosures and repossessions. Counselor recommendation how to negotiate and consolidate debts and raise your credit score. After results are received we will perform Credit RE Scoring Process that will raise your Credit Score 50+ points. Usually time frame for this service its 30-45 business days. After check out CREDIT SCORE LAB will receive your personal information and will start working on your Credit Repair RIGHT AWAY.
  • How can I Purchase Business Package for $999.99 / One time Flat Fee for five persons?

    Answer: Please click to “TRY IT NOW!” menu button. Pick “Business Pack” and press check out button. It’s Discounted one time flat fee of $999.99 for five persons and it does include everything from Your Clients Credit Report Analysis. Determination of Negative Inaccurate information, Submitting information to credit bureaus. Removing all negative inaccurate information including collections, charge offs, late payments, judgements, liens, bankruptcy, foreclosures and repossessions. Counselor recommendation how to negotiate and consolidate debts and raise your clients credit score. After results are received we will perform Credit RE Scoring Process that will raise your Credit Score 50+ points. Usually time frame for this service its 30-45 business days. After check out CREDIT SCORE LAB will receive your clients personal information and will start working on your clients Credit Repair RIGHT AWAY.
  • How long does it usually take to see results?

    Answer: Usually it takes 30-45 business days to remove negative inaccurate information from your report and see credit score grow 50+ points.
  • What information can be removed from my credit report?

    Answer: CREDIT SCORE LAB Counselors perform detailed analysis of your credit reports and determine what information is negative and inaccurate and what exactly affecting your credit score. This could be late payments, collections, charge offs, liens, bankruptcies, judgements, repossessions & foreclosures.
  • How much my credit score will grow?

    Answer: Usually depends on your credit report details, accounts , balances and all negative and inaccurate information after “CREDIT REPAIR SERVICE” your credit score will go up 50+ points. Some customers have more than 100+ points grow because there was a lot of negative inaccurate  information on their credit reports.
  • FCRA. Is this legal?

    Answer: CREDIT SCORE LAB Counselors perform only legal work according FCRA Law.

    WHAT IS THE FAIR CREDIT REPORTING ACT (FCRA)?

    The Fair Credit Reporting Act is a federal statute passed in 1970. The statute drafts out the the basic credit reporting rights of all consumers. In specific, FCRA is designed to protect consumers in regards to their privacy, fair treatment and accuracy of their credit files with consumer reporting agencies (CRA) including Credit Bureaus, and specialty reporting agencies such as employment history, check screening, medical records and payday lending agencies.

    Information reported by creditor, debt collectors, and the credit bureaus (Experian, Equifax, and Transunion) must all conform to the Fair Credit Reporting Act or the could be held liable for damages.

    WHAT ARE MY RIGHTS UNDER FCRA?

    Under the FCRA you have basic rights concerning any information consumer reporting agencies have collected on you. Some of the major rights under the FCRA include:

    1. If at any time information about you has been used against you by a third party that 3rd party must provide you with the information (Name of CRA, phone #, address,etc) of the CRA they received your consumer information from. Eg. if you are applying for a mortgage and the bank rejects your loan after seeing your credit score they must provide you with the necessary contact information of the credit reporting agency that they used.

    2. You have the right to know what information (including your credit score) is in your file with any CRA. if at any time you are interested to know what information a CRA has on you may request a file disclosure with that agency. Most of the time the CRA will charge you a standard fee, however, in some situations it will be free (in cases such as identity theft, to dispute inaccuracies or if any information has been used against as exemplified above). In addition with the case of credit reporting agencies you can request your credit report for free once a year.

    3. If you have requested your file and find inaccuracies you can file a dispute with that CRA. If you file a dispute the CRA the agency MUST investigate your claims. Any discrepancies they confirm MUST be removed or appropriately adjusted within 30 days.

    4. In addition to false information in your file, CRAs MUST remove any outdated negative information about you. That means after 7 years any adverse information such as failed child support payments, delinquent accounts, or filed lawsuits/judgements MUST be removed from your file. The one exception is bankruptcy which will stay on your record for 10 years before it can be removed.

    5. Any employer MUST seek out your expressed written consent before they can access your records from a CRA.

    If your rights have been violated you may be able to seek out damages from the infringing party.

    RECENT DEVELOPMENTS WITH THE FAIR CREDIT REPORTING ACT

    In the past two years there has been a huge increasing trend of class action lawsuits involving FCRA violations. This trend is in direct correlation to widespread implication of online job applications by many companies. When the FCRA passed it had a clause in it that stated that in order for an employers must get the expressed written consent of their applicants in order to seek out CRA reports on said applicants. This provision requires that employers seeking consumer reports on potential employees first have these applicants fill out a separate form for a background check. In the recent years many corporations have been transitioning to the use of online job application processes. Many of these online job applications lump in the background check instead of following the law of providing separate forms leading companies violating the rights of thousands of applicants in the process. While this business practice has been going on for years it went largely unnoticed until 2014. Since this practice was brought to light hundreds of class action lawsuits have been brought up against some of the largest corporations in the country (including Whole Foods and Century 21). In the case of each violation each violated party received $1000 in statutory damages, some receiving additional punitive damages on top of that.

    RECENT FCRA CASES

    in 2014 in the case of The UNITED STATES OF AMERICA v. TELECHECK SERVICES the Federal Trade Commision levied $3.5 million in penalties against TeleCheck Services for violations of FCRA. TeleCheck is a CRA that deals with check authorizations allowing companies to look in to consumer histories to see if they have a history of bouncing checks. Under the FCRA consumers have the power to dispute the information on their file and have the CRA investigate those claims. Telecheck was found to be rejecting disputes and refusing to investigate. In addition to this Telecheck was also found to ignoring proper procedure in what cases the did elect to investigate. The $3.5 million in penalties brought up against Telecheck was the 2nd largest FCRA settlement the FTC has ever brought up in a FCRA case.

    Earlier this month in the case of FRANCESCA FORD, ISABEL RODRIGUEZ v CEC ENTERTAINMENT, INC. D/B/A CHUCK E. CHEESE’S a $1.75 million class action lawsuit was granted by a California district court. In the case Chuck E Cheese’s failed to provide job applicants with separate background check disclosure forms violating the rights of over 28,000 people’s FCRA rights. In addition 400 applicants had adverse action taken against them as a result of the illegal background check. The case have its final approval hearing this coming December.

    A similar case to the class action lawsuit above is Fernandez v. Home Depot USA, Inc. In this case Home Depot failed to provide over 120,000 applicants proper background check forms. For violating the FCRA requirements for background check disclosure forms Home Depot was hit with $1.8 million in damages. Since this ruling came down this past April, Home Depot has apparently failed to learn from their mistakes as they have already found themselves in yet another lawsuit for FCRA violations.

Other Questions

  • How can I be sure that personal information that I provide will stay private?

    Answer: CREDIT SCORE LAB use SSL technology to encrypt your personal information. (Secure Sockets Layer) is the standard security technology for establishing an encrypted link between a web server and a browser. This link ensures that all data passed between the web server and browsers remain private and integral. You can read more about it in our “Terms & Conditions” and “Privacy & Policy“.
  • What if Im not going to be satisfied with the results ?

    Answer: CREDIT SCORE LAB guarantee your satisfaction. We will perform your credit report analysis for free and only after 3 days when detailed analysis will be done and we will find there negative inaccurate information that is affecting your credit score you will be paying for the services. By the federal law you have 3 days to  cancel our service by writing us an email and completing cancellation form. We guarantee satisfaction and after we completed our Credit Repair Service if no changes at all will be occurred on your credit report. CREDIT SCORE LAB will return portion of your money or even a full refund.
  • I’ve heard horror stories about other Credit Repair companies. Why CREDIT SCORE LAB?

    Answer: CREDIT SCORE LAB has successfully helped thousands of individuals and couples annually. Our exemplary record and the consistent testimonials we receive from bankers, automobile finance managers, mortgage brokers and our current and past customer’s speaks for itself.
    We procure your credit report(s) during the initial process. This will not appear as an inquiry on your credit report, nor will it affect your credit score in a negative manner.

    We handle the entire credit dispute process. You can view everything that is being legally challenged and the outcome of our challenges from the comfort of your home or office online.

    We provide you with a username and password to view our work 24/7 with frequent updates to show how our success rate is consistently helping you improve your credit report(s).

    We monitor your credit and let you know via email of any changes made to your credit report(s). You can view your status at anytime by logging in to our CREDIT SCORE LAB system for the current status on all negative and derogatory items being challenged on each credit bureau.

  • Do I need to provide you with three (3) copies of Credit Bureau Reports?

    Answer: Not at all. CREDIT SCORE LAB will handle everything necessary to begin working in an expedient and efficient manner. We do the work, we want you to see success as quickly as feasibly possible and most importantly, our professionals provide you with the ease of sitting back and allowing us to handle everything.

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