Frequently Asked Questions (FAQ) | Credit Repair

  • Home
  • Frequently Asked Questions (FAQ)

Why should I select you?

At ATMF, we listen to our client’s issues and provide the best solutions for them. Providing credit education to our clients is a top priority. The law is used to ensure that all of our clients have an accurate and error-free credit report. Many feel more comfortable having a Credit Specialist at ATMF advocate on their behalf. You are kept well informed throughout the entire process with customized notifications. Choosing ATMF as your main source for credit report repair, and credit education will be the best decision for you, as we assist you to achieve your financial goals.


How much does it cost for services?

There is a first work fee starting at $99 charged after both your credit review and dispute letters are completed. You can cancel your membership at any time. If more than one person wants to sign up for services please ask our specialist about our multi-person sign discount. 


How to get started?

Our online form is made for quick and easy sign-up. Once we obtain a receipt of your credit reports an ATMF credit specialist will begin a thorough review and create disputes to assist in the removal of inaccurate items.

When should I see results?

Credit reporting agencies have 30 – 45 days to process disputes, typically you will see initial results in about 30-90 days.


How many accounts can be challenged at once?

We can challenge up to 20 negative accounts per bureau every 30 days.


How does credit work?

When an individual borrows money, whether, through a revolving account such as a credit card, or an installment account an auto, or student loan, this information is gathered by the 3 major Credit Reporting Agency Experian, TransUnion, and Equifax. The data the credit reporting agencies have in your credit files is used to calculate your credit scores.


Do you offer a guarantee?

 If there are no removals after 90 days of service, you are entitled to 100% of your monthly membership payments back. In our line of business, we can not guarantee results, but we can offer a 90-day money-back guarantee. The client must stay enrolled for a full 90 days of service.


What information do I need to share with you?

We will need a copy of your valid driver’s license or state identification, a utility bill, the last four digits of your social security number, and a valid email address.


Length of the program?

Every client is unique, therefore the amount of time it takes to achieve desired credit goals varies. There is no guaranteed timeframe for results.   For the best results and the quickest time frame be sure to keep your membership with ATMF active as well as your credit monitoring services. This will prevent any lapse or cancelation of service.


Any discounts, promotions, or offers?

Yes, We do have promotions at certain times please ask an ATMF Credit Specialist for more information.


How do I cancel?

Easy. Just let us know through the Message Center in your account, or by email or phone.


Is my information safe?

Yes, we work within a secure encrypted website and portal to keep your information safe.


How can I obtain my own Credit report?

You are entitled to one free copy of your credit report every 12 months from each of the three major credit reporting agencies Experian, TransUnion, and Equifax. Go to  Annualcreditreport.com to retrieve your free copy. You can also purchase your credit report from a service with a monthly credit monitoring membership.


FREE CONSULTATION & CREDIT ANALYSIS

GET STARTED