Ans. No upfront fees or application fees are charged by our company. We do require you to hold a subscription to www.IdentityIQ.com throughout the funding process, which does require a monthly fee of $19.99.
Ans. No, a co-signer may NOT be used. Whoever is on the loan application must meet all qualifications for funding.
Ans. Your credit score must be a minimum of 680. In addition, your credit profile must also meet other basic qualifications.
Ans. Yes, BK must be at least 5 years old.
Ans. Pre qualification’s typically take 24-48 hours, not including weekends and holidays.
Ans. Each file is case-by-case. The files that meet every credit requirement will typically have bank approvals within 2-5 days. It then takes approximately 2-14 business days for the funding to arrive, once approved.
Ans. Income documentation is not needed on 90% of loans, however, they may be able to increase total funding.
Ans. Our clients typically receive a combination of funds in the form of major bank issued credit cards (such as: Visa, MasterCard, American Express and Discover), Lines of credit and Installment loans.
Ans. Payment is due within 24 hours upon receiving each funded line.
Ans. We collect our backend fee via several methods of payment: PayPal, Credit Card with Authorization Form, Online Balance Transfer, and we can apply for a Synchrony account and pull funds from this account.
Ans. We can do personal funding using only Equifax credit or only Experian. We do not provide funding with Transunion only, unless there is military affiliation we can use.
Ans. Based on the strength of the personal credit file we can fund up to a maximum of $250,000.00
Ans. Yes, we do provide removal of credit inquiries. Postal fees will apply.
Ans. The minimum amount of funding we will submit for is $20,000. However, approvals can come back lower than that amount.
Ans. YES, we DO credit repair services.