Since We Only Charge Fees After We Delete Negative Items – There’s Very Little Risk For You

Reinsertion of Deleted Items

Although it’s extremely rare, a negative item could be deleted from a credit report where the data furnisher eventually verifies it at a later date resulting in the account being reinserted again. The Fair and Accurate Credit Transactions Act (FACT Act) makes it extremely difficult for items to become reinserted on a report. In the unlikely event that this happens, we will work on removing the reinserted account at no cost to you. If we are unable to remove a reinserted account after five months of challenges with the data furnisher and the credit bureau(s), we will reimburse 100% of the deletion fee. We will also cover the cost of Certified Mail for reinserted accounts.

Transfer of Collection Accounts

When we remove a negative item from a credit report with a balance owed (such as a collection or a charge off), that does not mean that the debt has been canceled or forgiven. When a negative item is deleted from a credit report it simply means that the company that was reporting the account was unable to verify and/or validate it, which resulted in the removal from your credit report(s).There is always a possibility that a debt can be transferred to another company whether or not the account is deleted from a credit report and further, it’s not unusual for two different companies to report the debt at the same time. However, if we delete a collection account from your report and if it ultimately does get transferred to another company who reports it, we will work on removing the transferred account from your credit report and we will only bill you $25 per deletion per credit bureau. However, removing a transferred debt does not include postage and handling for Certified Mail (client will be responsible for Certified Mail fees).

Commonwealth Credit Repair, Inc.
47 Pleasant Street
Worcester, MA 01609

Tel: 508-755-1996
Toll Free: 1-800-682-2919
Fax: 508-792-1462


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