GreenPointe Financial helps repair and raise your credit scores as quickly as possible by fully using your credit rights.

For example, credit reporting agencies (CRAs) must have evidence that it is accurate, timely, and verifiable to keep a disputed credit item on your credit report. Very often, disputed credit items cannot be verified because the creditor needs to provide proof of the information, or wish to avoid going through the trouble of verifying it. In such a case, the listing should be removed.

Further, the CRA’s reinvestigation must be completed within 30 days, or the listing must be removed.

NO! We offer a complete personalized service and the full benefit of our years of industry experience.

Moreover, our systematic, hands-on, in-depth approach ensures you will get the best results possible.

As a GreenPointe client, you can anticipate seeing positive results in as little as 45 – 60 days.

However, the entire credit repair process (time frame) will depend on the severity of your case. And on the number of items that need to be disputed.

Lastly, the progress of your case will also depend on your required, timely participation (E.G., Sending in received responses and credit reports). On average, our clients are with us for 6 to 12 months.

The Case Establishment Fee is a one-time charge that occurs (depending on your state rescission law) between 3 – 15 days after signing up for our credit repair program.

This charge only occurs after all the work has been performed to establish your case file and the first round of challenges. Additionally, like subsequent monthly service fees, GreenPointe Financial only charges you after the promised work has been completed. We Do Not pre-charge.

Joint accounts are handled in the same manner as individual cases.

However, if you and your spouse share the same questionable item and he/ she is not enrolled in our program, then only your credit reports will receive attention.

Therefore, you should sign up for our Family and Friends program to move forward together.

Per the Credit Repair Organizations Act (CROA), we cannot promise or say with certainty that negative entries on your credit reports, such as collections, charge-offs, judgments, tax liens, etc., will be eliminated.

However, while we don’t make promises, it is essential to note that we have removed judgments, bankruptcies, and repossessions, from the client’s credit reports in the past.

For an example of our success with these items, please visit our Actual Client Results Page.

Arbitrary disputes may be considered frivolous if they fail to provide allegations concerning specific items in your file.

This is a standard error made by inexperienced credit repair companies, which dispute all negative items or most of them at one time; without any specific basis for the challenge.

Moreover, if a challenged account is marked frivolous by a CRA, they more than likely won’t reinvestigate the re-disputed information for six months or longer.

If a disputed item is returned from the credit reporting agencies (CRAs) as verified, we will escalate the issue to get the desired result.

However, to prevent the negative listing from being classified as frivolous, we will commence an audit on your creditors, asking them to verify the information they are furnishing.

Occasionally, a negative item that was recently removed may eventually be verified by the creditor. However, the Fair Credit Reporting Act (FCRA) requires that credit reporting agencies inform you before there is a repeat list of a previously deleted item.

The FCRA makes it more difficult for credit reporting agencies (CRAs) to re-report listings. Thus, because of these factors, it is rare for listings to return once deleted.

Yet, if a questionable item is verified later, GreenPointe will assist you in rechallenging it; if these are legitimate grounds.

To ensure that we receive legible copies, GreenPointe has adopted a policy requiring clients to deliver documents via fax, email/ PDF, or U.S. Postal Service.

WE DO NOT ACCEPT CELL PHONE PHOTOS OF DOCUMENTS!

Further, we recommend you make copies of the acquired answers and credit reports for your records.

If we fail to provide any of our agreed-upon services for any given month, you will not be billed for that month. Even if your payment has already been processed, you will receive a refund.