Frequently Asked Questions
We are ready and able to answer all of your questions. We’ve compiled a list of our most frequently asked questions, however if you can’t find an answer here, please feel free to go to our Contact page and send us your question. Don’t worry we aren’t pushy salespeople. We want to hear from you!
How much does your Consulting Service cost?
Our all-inclusive pricing is backed by our industry leading 90-day guarantee:
Our pricing plan is simple and straightforward. We don’t rely on gimmicks which end up costing our clients thousands of dollars in additional fees. The fee for our consulting service is $297 and covers the entire six-month client agreement. There are no additional fees.
We have ensured that our service is an affordable and value packed proposition. We have committed to our clients’ success by offering our industry leading 90-day guarantee. If we can’t improve your credit profile in 90-days, we will refund 100% of your money without question.
As part of our new client on-boarding and account setup, we will provide you with a thorough credit report review, new client consultation, new client account setup, secure portal access and our written plan for servicing your account.
Once you have signed our client agreement and we have provided you with a detailed analysis of your credit profile and a written account of the actions we will take for your particular situation, we will begin servicing your account. We stand behind our service with our LCC risk-free guarantee: if we can’t provide results within 90 days, we will refund 100% of your money.
We know there are many professional options when it comes to improving your credit profile, and we encourage you to shop around and contact other companies before signing up for our service. We provide the fastest service in the industry, bar none, and our all-inclusive service provides much more than our competitors, including direct creditor letters, official complaint filing and more. We also offer debt negotiation for an additional fee due only if successful.
The biggest providers in this industry charge never ending monthly fees of around $100, and are able to keep their clients on their ledgers for 18 months or more on average, resulting in much slower results for clients at a cost around 3 times as high. We strive to achieve fantastic results for our clients in one-third of that time or less.
Other companies aren’t focused on fast results because their business model is setup for longevity. The longer they can retain a client, the more money they make whether they provide results or not. LCC operates completely differently. We are motivated to provide maximum results in minimum time. When we started this company we asked ourselves the question: “Why must consumers pay endless monthly fees for a service that should take less than a year to complete?” We decided they shouldn’t, and then came up with a better solution which provides tremendous value.
Don’t get caught up in an endless or hard to cancel billing cycle. Companies that charge their clients in that manner are motivated to drag their feet and keep billing their clients for as long as possible. Liberty Credit Consulting operates differently. We believe that we can generate the most significant improvement for our clients with an intense effort which generally takes less than 5 months, with major improvements likely within the first 90 days. We are highly motivated to provide outstanding service in order to earn repeat business and client referrals. You are always in control and can cancel our service at any time from within your client portal, via email, or on the phone.
The Fastest Service!
Our company believes in providing fast results for our clients. Most other credit repair companies try to stretch out their client’s process to 18 months or more, resulting in an overall service cost of more than $2,000. The incentive of the other guys is to make your credit repair process take as long as possible to get the most money out of you. Ours is completely the opposite.
You may track your progress and communicate with us securely from inside your client portal. We require that our clients provide us with access to a 3-bureau credit report in order to start service, and to maintain 3-bureau credit report monitoring and provide us with access throughout the duration – usually about 150 days. We will guide you on how to get monthly 3-bureau credit reports, credit scores and credit monitoring during your client on-boarding process. Most companies charge $29.95 per month for 3-bureau monitoring, which clients are responsible for paying directly to the credit monitoring company.
How do I get started?
Get started by completing our easy sign-up form. We will follow up with you to schedule your consultation, help you retrieve your credit reports, deliver our written action plan and client contract, and setup your client portal. After that we will immediately begin working on your file.
What all is included in your pricing plan?
We are proud to be able to provide a consulting service with tremendous value. We provide the total solution and the easiest way to reach your dreams.
Our consulting service includes the following: 1) a detailed analysis of your credit profile to determine the issues that are lowering your credit score, 2) a customized, dominant credit repair strategy including credit score improvement tips and adding positive credit, and, 3) continuing professional management during your contract term of your dispute process, including correspondence sent to the credit bureaus and data furnishers (creditors, collection agencies, and others) on a case by case basis to challenge inaccurate, unverifiable, out-of-date, or questionable items.
We also offer debt negotiation with trade-line deletion, as well as the ability to add large, aged lines of credit to your reports for an additional fee. These aged, large and positive lines of credit can provide tremendous benefit to your credit profile beyond the deletion of negative information. Contact us to learn more about these additional services.
Learn more: Fantastic Results
How long does your program take to produce results?
We’ve streamlined our process in order to offer our clients the most all-inclusive service at the lowest price possible, and our methodology is extremely efficient and effective. We don’t believe in moving through this process at a slow pace which drags everything out. Instead, we believe it is best to begin quickly and then keep up a consistent pace.
We will have your initial dispute letters ready to send out within one week after you sign up – typically even faster than that. The credit bureaus will have 30 days to process our challenges and issue their responses. This means that you could start seeing results about 30 days after we begin service, and then every 30 – 40 days thereafter as we continue each round of your dispute letters.
How do I obtain my credit report and then get it to you?
Please do not email your credit reports as the connection is not always secure depending on your email provider. After you have obtained your 3-bureau credit report online, you can provide us with the login details and we will review your reports and upload them to your secure client portal.
I have heard that every time my credit report is accessed my credit score goes down. Is that true?
While some credit report inquiries can have a negative effect on your credit score, requesting access to your own credit reports via the methods we recommend will have no impact on your credit score whatsoever.
Why do I need to get a 3-bureau credit report? Isn’t it cheaper to just get one report? After all, aren’t they all the same anyway?
We will need to review all 3 of your credit reports (from Experian, Equifax and TransUnion) in order to determine which items on your reports are unverifiable or otherwise inaccurate. In the vast majority of cases, your credit reports will be different from all three companies because they each compile their data independent of one-another. Accessing your 3-bureau reports is just as fast and easy as a single report and allow us to conduct a proper investigation of your records. One aspect of our investigation is a side-by-side bureau comparison to identify the discrepancies that almost always occur between the 3 bureaus. These discrepancies are often indicators of errors which we can then challenge and dispute.
Please note that we do not recommend starting your case with a single credit report as it will typically prohibit us from identifying many errors that can be disputed and removed. Getting all 3 credit reports is a very important step to successfully prosecuting your case.
Is there a limit to how many disputes you will file, or how many you will file at one time?
Because we want the fastest results for our clients we place no limits on the number of disputes we will file each time. If information is inaccurate, our client has the right to challenge it as quickly as possible. We will continue our service until we have addressed each negative item on your report that you direct us to dispute. We will also contact original creditors and debt collectors as required.
We will also contact original creditors and debt collectors as required.
How long does your program last?
BEach client contract is six months in length, with results typically starting in 60 – 90 days.
Learn more: What Kind of Results Can You Expect?
Is your service guaranteed?
Liberty Credit Consulting takes pride in offering the only true guarantee in our industry. Our money-back guarantee is not a guarantee of a specific outcome, rather we guarantee that if we don’t provide you results within 90 days we will refund 100% of your money without question.
The LCC Guarantee means that you can sign up with our company today with complete confidence in our ability to provide you with the most important thing – results.
Do you offer any special pricing if I would like to sign up with my partner?
If you would like to sign-up with your significant other, we are happy to provide a 10% fee discount for both of your accounts. You and your significant other must sign up for our service at the same time in order to be eligible for our discount. After you have both signed-up, send us an email to let us know and we will apply the discount accordingly.
I live with my partner but we are not legally married. Can I still receive the couples discount pricing?
It is not required that you are legally married to take advantage of our special pricing. If you live at the same address we invite you to sign up together as a couple regardless of your legal marriage status.
Do you provide loans for bad credit? Can you lower the amount that I owe?
Our service is provided as a way to ensure that items which appear on your credit reports are accurate and verifiable. If they are not, they must be removed by law, and this is what we specialize in. Our program does not discharge existing debt, and even though we might take action to cause a negative item to no longer appear on your credit report or to bring down your credit score, you may still be liable for any valid debts that were being reported incorrectly.
Many times we are able to negotiate of behalf of our clients with original creditors and debt collectors to secure partial payment offers for much less than the original balance. Many times this will result in faster results. If you decide you would like us to negotiate your debt amounts for you, we can provide this service to you as a part of our service for an additional charge. You pay no money upfront. We only earn a fee after we have negotiated a lower payment for you, and our fee is a percentage of the savings. We have secured offers for previous clients for many thousands of dollars less than they allegedly owe.
Learn more: What Can Liberty Credit Consulting Do For You?
Debt negotiation and trade-line deletion is performed on a case-by-case basis.
Is my personal and confidential information shared or sold to anyone other than your company?
We do not share our customer’s information with anyone. You may read more about our Privacy Policy for additional information.
How Does Liberty Credit Consulting’s Pricing Compare?
Our all-inclusive pricing and service is far and away one of the best financial decisions that can be made. The combination of price, value, and individual attention that our service delivers just cannot be had anywhere else, at any price.
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