Can I increase my credit scores?
By correcting negative items that appear on your credit reports, your credit scores may increase. This may help you to obtain a mortgage or get a car loan.

If I use a HispanicLending.com Credit Restoration Partner, will it show up on my credit reports?
Unlike other credit counseling agencies, HispanicLending.com Credit Restoration Partner’s services will not appear on your credit reports. Your enrollment in the Debt Negotiation or Credit Repair program will be confidential.

How long is the Debt Negotiation process?
The timing of this process is usually based on how delinquent you are on the debt and the amount of funds available for settlement in your program account.

How does the debt negotiation process work?
Once the HispanicLending.com Credit Restoration Partner receives your information, they will contact each of your creditors to let them know that you are enrolled in the program. Funds drafted from your account accumulate in a trust account. Settlement offers are made using these funds.

How does the Credit Restoration process work?
HispanicLending.com Credit Restoration Partner will order credit reports, which will be mailed to you by the three credit bureaus. HispanicLending.com Credit Restoration Partner will then dispute negative or inaccurate items that appear on your credit reports and send them back to the credit bureaus to update your information and credit scores.

Can you stop creditors from calling me?
Cease and Desist letters and Power of Attorney agreements will be sent to all of your creditors by the HispanicLending.com Credit Restoration Partner. HispanicLending.com Credit Restoration Partner will give you hints, tips and suggestions when you are enrolled in their program. These suggestions will help to decrease or eliminate annoying and harassing phone calls by your creditors.

Can you prevent lawsuits?
HispanicLending.com Credit Restoration Partner’s negotiators utilize any and all means possible to avoid lawsuits. Their team will work with your creditors to settle your debt before litigation occurs, however the final decision to pursue litigation rests with your creditors. HispanicLending.com Credit Restoration Partner’s can even negotiate on judgments.

How long does the Credit Restoration process take?
As each credit report is reviewed, disputed and returned to the credit bureaus, new credit reports are generated. Because creditors may try to put negative information on your reports even after debts have been paid, this is an ongoing process.

Can the HispanicLending.com Credit Restoration Partner negotiate on all debts?
HispanicLending.com Credit Restoration Partner can negotiate on all unsecured debt, such as credit cards and medical bills.

For more information about the credit repair process please visit the Federal Trade Commission’s website
http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm

En Espanol
http://www.ftc.gov/bcp/conline/edcams/ojo/s-index.htm