-- What are the advantages of using Armor Financial Services? --

While there are many companies who brand themselves as credit repair organizations, most of them lack the breadth of experience and expertise necessary to adequately represent your dispute efforts. Some of the specific advantages of using Armor Financial Services are:

We can dispute claims directly with creditors.
We enforce your rights under the various federal and state credit laws.
We provide educational materials to arm our students with the credit and debt industry knowledge.

On your behalf we can demand a creditor address and settle debts.
We research and keep current our knowledge of consumer laws and their changes, interpretations, and applicability of those laws.
We govern ourselves according to the rules and principles of professional conduct.
We practice the methodologies and structure like any law-practicing firm.
Your confidentiality and information is protected.

-- How much does bad credit cost? --

The cost of our credit score improvement service is small compared to the cost of damaged credit.

Below are a few examples of the cost of damaged credit.
Auto Loan
If you are making vehicle payments, you are most likely paying between $2,000 and $10,000 more over the course of the loan just for having credit score issues. This added interest shows up every month in a higher payment.
Example:

Car Loan

$20,000 Vehicle Financed for 5 Years

Credit Status	Rate	Payment	Cost of Bad Credit
High Credit Score	0%	$333	$0
Slightly Damaged	5%	$377	$2,645
Damaged	15%	$476	$8,547

Home Loan

Damaged credit on a vehicle is nothing compared to the effect of damaged credit on a home loan. A typical home can cost between $180,000 and $300,000 more in interest of the 30 year loan, if you are buying the home with damaged credit. Example:
 

$200,000 home paid over 30 years:

Credit Status	Rate	Payment	Cost of Bad Credit
High Credit Score	5.5%	$1,136	$0
Slightly Damaged	7%	$1,331	$72,370
Damaged	9%	$1,610	$170,521

Credit Cards
Usually you will be unable to get an unsecured credit card with damaged credit. The accounts you may be approved for will typically have higher rates and low limits. 

Insurances
Many insurances (i.e. homeowners, automobile, boat/RV, etc.) are impacted by credit scores.  The higher your credit score the lower the monthly insurance premiums are.  The more damaged your credit is and the lower your credit score is, the higher your monthly insurance premiums will be.
 

-- How long have you been doing credit score improvement? --

Armor Financial Services has a staff with over 10 years of experience which has been improving people's credit scores by challenging the credit reporting companies and the methods they use to tarnish the credit of thousands of Americans. Using credit industry specialists, Armor Financial Services demystifies the process of credit report clean up and score improvement. We employ innovative solutions and adhere to the laws and regulations that govern the credit reporting industry.

-- How do you correct my damaged credit? --

Once we've received your credit reports, we will analyze your credit history to identify items that are responsible for bringing your credit score down. Then we will draft letters to dispute these negative items on your behalf. Although we encourage consumers to dispute their own credit if they have the time and knowledge to do so.  It is important to note that, according to federal law, the credit bureaus can ignore your dispute under a variety of conditions. In our experience, a large part of dispute letters sent directly from consumers are rejected for one reason or another. Armor Financial Services' letters are expertly designed such that credit bureaus will accept the dispute and conduct an investigation.

A disputed credit listing must be verified as accurate for it to remain on the credit report. If the credit listings contains an error, the credit bureau may simply correct the item, but very often, disputed credit report items cannot be verified because either the creditor either no longer possesses necessary information or does not to go to the effort of verifying it. Furthermore, the investigation must be completed within 30 days or the listing must be removed. For these reasons, properly disputed credit listings are removed from your credit report with remarkable frequency.

At the conclusion of the credit bureau's investigation, a new copy of the credit report is sent to you along with any deletions or improvements. You then provide us with a copy of the new credit report and the cycle repeats itself at strategic intervals.

Each time an investigation is initiated, the odds of receiving a particular deletion increases.
 

-- How long does it take? --

Everyone wants you to see results immediately. Although everyone's credit history is different, most people will see progress within the first 45 days of their membership. The majority of time is spent waiting for the credit bureaus to respond to requests. We take great effort in getting our disputes to the bureaus as fast as possible. As a reference, the average person with 15-18 inaccurate, misleading or obsolete items on each credit report should be prepared for a 3-4 month commitment.
 
 

-- Do you guarantee results? --

By law, no company can guarantee that they can have items removed from your credit reports, but we stand behind our services and, if you feel you do not see results, we will evaluate your account and you will receive a portion of your money back if appropriate progress with your case has not been made. Please refer to our Refund Policy for more details.
 
 

-- What if removed items reappear? --

This happens occasionally either by accident or a creditor has eventually verified a particular item. This is what is known as a 'soft delete'. The FCRA (Fair Credit Reporting Agency) has made it much more difficult for a creditor to replace an item once it has been removed. Armor Financial Services will re-challenge the item with the full force of the prior removal in our favor.
 
 

-- Is this legal? --

Yes, you are given the right under the Fair Credit Reporting Act (FCRA), including the right to challenge inaccurate, misleading and obsolete items appearing on your credit report. Armor Financial Services uses every venue available to you under the law to help you assert these rights.
 
 

-- How is this done legally? --

Disputing items on your credit report is your legal right (see the Fair Credit Reporting Act). When you use Armor Financial Services to help dispute derogatory/negative items on your credit reports, we are abiding by and using all federal and regional laws regulating third party credit repair assistance.
 
 

-- What is a credit score? --

A credit score is a numerical ranking system that lenders use to determine how much of a credit risk you are. A credit score is a numeric indication of how likely you are to repay debts such as loans or lines of credit. Lenders use this number to determine how much of a credit risk you are.

Credit scores also are designed to indicate your creditworthiness in comparison with other consumers.

Credit scores are based on the data in your credit report and are generated by computers using artificial intelligence. Usually a credit score is between the numbers 300 to 900. The higher your score, the more "creditworthy" you are to lenders.
 
 

-- What is my credit score based on? --

Credit scoring is based on many factors that may include:

Amount of available credit
Payment history
Recent requests for credit
Amount of credit currently being used
Length of credit history

Under the Equal Credit Opportunity Act, credit scoring may not use gender, martial status, national origin, race, or religion as factors.
 
 

-- How can bad credit be deleted? --

Negative credit listings are deleted from peoples' credit reports each and every day!

Armor Financial Services is hard at work every day challenging damaging and questionable credit entries on behalf of its clients. Utilizing proven and absolutely legal methods, Armor Financial Services is a professional organization working for you and your credit

-- Why Do I need to Pay My Bills? --

When we delete a negative credit report listing, the actual debt remains. You still owe the same amount of money that you owed to begin with. If you don't pay the debt, the creditor or collection agency could always report the item again. So removing the listing without addressing the debt is only a temporary solution.