FAQs Toll
Free (800) 358-0805
Why do I need your
service?
Are you a licensed
company?
How do I know
my personal information is safe?
How long does it
take to improve my credit?
Can
I apply for credit while my credit is under repair?
How
often should I expect to get mail from the credit bureaus?
When
I receive my credit reports/correspondence what should I do with
them?
Can I fax my
credit bureau report to you?
What is Fast Track
Service?
What payment methods do
you accept?
What
happens if I cannot pay my monthly payments?
What is your
warranty/Full Refund Policy?
Why do I need your
service?
A single negative item or inaccurate information on
your credit reports can lower your credit FICO score with all three
major credit bureaus. Low FICO scores can affect your chances to
obtain lower interest rates for home mortgages and auto loans. It
also will increase your auto insurance rates and affect your ability
to obtain employment. Monarch Credit Repair has been very successful
in the past with removing negative credit items. Although you can
attempt to do this yourself, many individuals have found that it
becomes very frustrating and time consuming when they do not achieve
the results that we can provide. The fact is that the credit bureaus
may choose to ignore your attempts or choose not to reinvestigate
the negative items at all.
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Are you a licensed
company?
Yes, in most states the law requires that you
be licensed. MONARCH CREDIT REPAIR .COM / Payment Systems a DIVISION
OF BRIAN PETRONE JUDGMENT ENFORCEMENT AGENCY is licensed in Florida
and most of the United States. Federal and State law requires that
you may cancel, without any penalty or obligation, at any time
before midnight of the 3rd business day, which begins after the date
the contract is signed by you. FULL REFUND OF ANY MONIES PAID WILL
BE RETURNED WITHIN 10 DAYS OF RECEIPT OF CANCELLATION NOTICE.
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How
do I know my personal information is safe?
Any personal information that
you submit to MONARCH CREDIT REPAIR .COM / Payment
Systems
a DIVISION OF BRIAN PETRONE
JUDGMENT ENFORCEMENT AGENCY has the fiduciary duty to protect your information.
Not
only are we ethically and morally bound our license requires it. We
will not disclose, resell or allow to be
viewed by
anyone.
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How long
does it take to improve my credit?
The bureaus must respond
in 30 days of the dispute. Within the first 60 days you will
start to see improvement in your credit report. Depending on the
number of negative items appearing on your credit reports will
determine the duration of time that services will be needed.
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Can
I apply for credit while my credit is under repair?
No, if
you apply for any new credit because it will interfere with the
process of restoring your credit and void our guarantee.
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How
often should I expect to get mail from the credit bureaus?
text
You will receive updated credit reports about every
two-three weeks until your account is completed. As items are
disputed the bureaus will forward correspondence directly to you
regarding the progress on the disputes.
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When
I receive my credit reports/correspondence what should I do with
them?
Send the original reports to Monarch Credit Repair
.com and make copies to be kept for your records.
All correspondence must be mailed to the following
address in a new envelope:
Payment Systems / Monarch
Credit Repair
P.O. Box 274
Venice, Florida 34284-0274
All Reports and Updates must be placed into a new envelope
and mailed within five days of receipt. Do not write on the original
envelope or forward by placing our address over your address. Please
keep individual credit bureau reports in their original individual
envelopes so they are not mixed together. We also recommend mailing
your reports via U.S. Postal Priority Mail with delivery
conformation. (Failure to do so will void our guarantee).
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Can I fax my
credit bureau report to you?
NO, You may however print it to
a .PDF file or Scan and email to us.
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What is Fast Track
Service?
Fast Track is a priority service: credit reports are
worked on the same day your order is received. This is perfect for
Rapid Re-Scoring for Mortgages. There is an additional fee of $99.00
for Fast Track Service.
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What payment
methods do you accept?
Credit Cards - Electronic Transfer - Certified Check -
Money Order - PAYPAL
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What
happens if I cannot pay my monthly payments?
Your account
will go into a holding status until the account is brought up to
date. If payment is not made in 60 days than account will be closed.
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What is your
warranty/Full Refund Policy?
Warranty - Full money back
warranty if our service does not change, improve, or delete negative
item(s) which we jointly agree can be removed as indicated on your
report and we continue efforts for 12 months.
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Guarantee
Repair-My-Credit.biz / Payment Systems offers a; |
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What we do?
We will at no cost to you review
your credit report. We will then give you an agreement in
writing informing you of the items we can address. |
• Delete
• Correct
• Dispute and possibly remove or
change
• Dispute but most likely will remain. |
HONESTY
We will put in writing the
results to expect. If your results are not what we promise,
you will be refunded or not charged for our
service. |
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