FAQ
Frequently Asked Questions
General Questions
What does Elysian Credit Group do?
Elysian Credit Group provides credit education and credit file review services to help consumers identify potential inaccuracies on their credit reports. We also assist eligible clients by preparing dispute correspondence regarding information they believe is inaccurate, incomplete, or unverifiable.
Can you guarantee results?
No. Federal law prohibits credit repair companies from guaranteeing specific outcomes or credit score increases. Every credit profile is unique, and results vary based on each individual's circumstances.
How long does the process take?
The timeline varies depending on your credit profile and the responses received from creditors and credit reporting agencies. Most investigations by credit bureaus are generally completed within approximately 30 days after receiving a dispute, though some investigations may take longer depending on the circumstances.
How much does your service cost?
Pricing varies depending on the service selected. Please visit our CATALOG page or schedule a free consultation to determine which option best fits your needs.
Getting Started
How do I get started?
Getting started is simple:
- Schedule your free consultation.
- Select the service that best meets your needs.
- Complete our Client Intake Form.
- Sign the Client Agreement.
- Upload all required documents.
- We review your credit file and begin preparing your strategy.
What documents are required?
Depending on your selected service, you may be asked to provide:
- Government-issued photo ID
- Social Security card
- Proof of current address
- Current credit reports
- FTC Identity Theft Report (if applicable)
- Police Report (if applicable)
- Correspondence from creditors or credit bureaus (if applicable)
How long do I have to submit my documents?
Required documents should be submitted within 48 hours of enrollment to avoid delays. If documents are not received, your file may remain inactive until all required information is provided.
Credit Repair Process
Will you dispute everything on my credit report?
No. We only prepare disputes regarding information you identify as inaccurate, incomplete, or that you believe cannot be verified. Accurate and properly reported information generally cannot be removed through the dispute process.
Do you contact creditors for me?
Depending on your service and strategy, we may prepare correspondence directed to credit reporting agencies and, when appropriate, furnishers of information. The approach used depends on the facts of your situation.
Should I dispute items myself while enrolled?
No. Once services begin, we ask that you do not independently submit additional disputes unless we advise you to do so. Multiple disputes submitted at the same time can complicate the process and affect the overall strategy.
What if I already have disputes in progress?
If you currently have active disputes with the credit bureaus or creditors, we generally recommend waiting until those investigations have concluded before initiating new disputes. This helps avoid overlapping investigations and conflicting responses.
Can I enroll if I'm already working with another credit repair company?
Generally, no. To prevent duplicate or conflicting dispute activity, Elysian Credit Group does not provide services to clients who are actively enrolled with another credit repair organization. You may enroll after your relationship with the other company has ended.
Identity Theft Services
I was a victim of identity theft. Can you help?
Yes. We offer identity theft assistance for eligible clients. You may be asked to provide supporting documentation such as:
- FTC Identity Theft Report
- Police Report (when available)
- Government-issued identification
- Supporting documentation regarding fraudulent accounts
Do I need to file an FTC Identity Theft Report first?
Yes. For identity theft services, an FTC Identity Theft Report is generally required before we can prepare identity theft-related correspondence.
Credit Reports
Where can I obtain my credit reports?
You may obtain your reports from several credit monitoring services or directly from the credit reporting agencies. We will provide guidance on acceptable report formats during enrollment.
Will checking my own credit hurt my score?
No. Checking your own credit report is considered a soft inquiry and generally does not affect your credit score.
Communication
How will I receive updates?
We provide updates through your preferred communication method, which may include email or text message.
What should I do if I receive a letter from a credit bureau?
Please upload a clear copy of the correspondence to your client portal or send it to us as soon as possible. Prompt communication helps us determine the appropriate next steps.
Payments & Policies
Do you offer refunds?
Due to the nature of our services, all sales are final. Please review our Refund Policy and Client Agreement before purchasing.
Can I cancel my service?
Cancellation terms are outlined in your Client Agreement. If you have questions regarding your account, please contact us directly.
Credit Scores
Will my credit score increase?
Every credit profile is different. While some clients may experience score improvements over time, we cannot predict or guarantee any specific increase.
Can accurate negative information be removed?
Generally, accurate, complete, and verifiable information is expected to remain on a credit report for the period permitted by law. If you believe information is inaccurate or incomplete, we can discuss your options during your consultation.
Homebuyers
Can you help me prepare to purchase a home?
Yes. We offer Homebuyer Credit Preparation services designed to help clients understand their credit profile and work toward mortgage readiness.
How long before applying for a mortgage should I begin?
Many clients benefit from beginning several months before applying, although the ideal timeframe depends on your current credit profile and financial goals.
Still Have Questions?
We're here to help.
Schedule your FREE consultation today and let us discuss your goals, review your credit profile, and recommend the service that's right for you.
Elysian Credit Group
Email: info@elysiancredit.co
Website: www.elysiancredit.co