How is CVM Consulting Firm different from other credit repair companies?
Why am I charged per item, per credit bureau?
Is there a guarantee?
I'm glad you ask! We do our very best to keep cost as low as possible. Our initial set-up deposit of $99 allows us to access, audit and review your credit reports. It's a win, win! Investing in your present and future adds to your successes by 80%
Most Credit Repair Companies collect high costs up front and then charge a fixed monthly payment. These 2 factors can produce low results and poor performance. Our pay after elimination model ensures our clients, results first before any costs are incurred.
Experian, TransUnion, and Equifax are 3 different companies that report individual changes to your credit reports. We must physically send 3 separate forms of verification and validation to all 3 companies opposed to sending it to just 1; for this reason, you pay per item, per bureau.
*We must have continuous access to your 3 bureau credit reports,via Identity IQ monitoring service we provide for you.
*You must provide us with ALL the necessary information ie; DL, SS and updated proof of address, email and phone number.
*ALL payments must be current.
*You must request a refund in writing at the end of 3 months.
Consumer Laws and Privacy Act
FCRA- Fair Credit Reporting Act
https://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
FDCPA- Fair Debt Collection Practices Act
https://www.ftc.gov/system/files/documents/plain-language/fair-debt-collection-practices-act.pdf
FACT ACT- Fair and Accurate Credit Transaction Act
https://www.homebankofar.com/files/FACTACTii.pdf
FCBA - Fair Credit Billing Act
HIPPA- Health Insurance Portability and Accountability Act
Nothing in life is guaranteed! Federal Law prevents any Credit Service organization from guaranteeing any item removal or credit score increase. We are so confident in our program, we choose to offer a 90 day Money back guarantee. We are one of the only two companies that offer our clients the option of paying after they see results. Because you are not paying for the eliminations until AFTER you see actual results. So there is NO need for a guarantee. If you do not have any eliminations, you don't PAY.
100% money back guarantee based on the conditions below. If after 3 months we do not eliminate a minimum of $99 worth of items from your credit reports we will return your $99 initial deposit
