How does our credit score affect our daily life?

Credit scores affect our lives on several levels. The lower your credit score, the more you pay for mortgages, loans, credit cards, and insurance. Conversely, the better your credit score, the more favorable terms you will get on interest rates and premiums. Credit scores can affect your ability to obtain employment, rent an apartment and may affect your ability to obtain utility services such as gas, electric, and phone. Much of the information retained in the credit reporting agency is obsolete, erroneous, inaccurate or otherwise removable because is it unverifiable. With the right strategy it is possible to remove many negative items from a credit report, if the creditor does not adhere to the law that outlines what needs to be done on a timely basis.


What is credit counseling and how does it work?

Contrary to what the credit bureaus would like you to believe, credit counseling does work and can work for 100% of people in most circumstances. This is, of course, provided you are getting the best advice and have an experienced professional working on your case. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit counseling. AppleTree Credit Experts can rehabilitate your credit by providing assistance to individuals in (a) obtaining clarification and correction of obsolete, erroneous, incomplete, inaccurate, outdated or unverifiable information which may be contained in credit reports; and, (b) creating a customized strategy for each client to enhance their credit scores. Again, with the right strategy scores can be substantially increased.


How much money can I save by raising my credit score?

As an example, a person with an average credit score of 580 can secure a mortgage of $300,000 at an interest rate of 8.7%. This results in a payment of $2529 per month. A person with a credit score of 700 can obtain the same mortgage at an interest rate of 6.375% resulting in a payment of $2051 per month. This is a monthly savings of $477 and a total savings of $171,998 over the 30 year life of the loan. In addition to the home mortgage savings there will be savings in credit card payments, car loans, other installment loans, and insurance rates.


Does Appletree Credit offer a warranty?

Our money back warranty is easy to understand and is the best in the business. We will refund 100% of your money if we do not remove more that 25% of all the negatives we work on, from all three major credit bureaus, within six months from the time you sign up. In order for the warranty to apply, you must have at least four negatives on the credit report at the time you sign up, and may not have used a credit repair agency nor have attempted to repair your credit in the past 2 years. Unpaid collections and unpaid charges -offs do not qualify for the warranty and are not included. Client must send in updated credit reports from all three agencies  within 5 days of receiving them. Updated reports should be received by the client every 15 to 45 days. In short, there are huge savings in optimizing and maintaining a good credit score. At Appletree Credit Solution we can help you do this.

What factors contribute to my credit score?

AppleTree Credit experts rehabilitate your credit by providing assistance to individuals in (a) obtaining clarification and correction of obsolete, erroneous, incomplete, inaccurate, outdated or unverifiable information which may be contained in credit reports; and, (b) creating a customized strategy for each client to enhance their credit scores. We offer continuous customer service and educational materials to our customers to help you raise your score and maintain the increased score.

How do we do it?

It is your right by law (Fair Credit Reporting Act) to dispute questionable errors on your credit report.  We consult clients on how to remove in-accurate errors, unverifiable, mixed information, obsolete items, incorrect personal info, and incomplete items.  Through our counseling we can help clients negotiate with the creditors to settle.  If an agency cannot verify the accuracy of a disputed error, then it must be removed from the credit report


How much will my credit score improve?

It varies from clients, positive scores are generated faster if client have more good standing accounts history and credit limit to credit balance ratio is lower on active accounts.  If less good standing accounts the score will generate at a slower pace.  Once rehabilitation is completed, client can easier qualify for new accounts that will help boost up score if credit balance is kept to a minimum and paid on time. (See About Credit page)


What makes AppleTree Credit different from other companies out there?

We’ve helped clients improve their credit score within the last 11 years. We offer clients faster results; most of our clients see 50% or more improvement within 3-6 months period, that’s 7 times faster than most companies.  Instant results assure our clients that we are the real deal.  Faster results can benefit clients who need an immediate mortgage loan, personal loan, or an auto loan.   We do not base our results of total accounts on our database, we base it on each client. We do not stop until we feel our client’s goals are met.


Will removed errors re-appear in the future?

In a few cases Agencies commits the same mistake, we will help client re-dispute to have the agency remove it again with proof of it been taken off.  For most it’s less likely for errors to re-appear.


How do I see progress?

Updated credit reports will first be mailed to your home from the 3 agencies and then you will have to make photocopies to mail it to our corporate office.   Mailing is more reliable, where faxing can be incomplete or produce poor data quality. In these updated reports you will see hands on, deletions and improvements.    Also you can go to our website and click client login to see your full progress.

What is our Refund Policy?

Our refund is in the client retainer package; if we fail to provide the agreed-service we will issue a full refund.  We will continue to work for you the following 2 months even after we have issued a refund.

To Learn more visit the Resource page and other pages on our website.