KB FINANCIAL SOLUTIONS
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FAQ

At KB Financial Solutions, we've done our best to create a web site that anticipates and satisfies our customers' needs.  With that goal in mind, we've compiled a list of frequently asked questions.  If you do not find an answer to your question here, contact us at (817) 371-3495 kim@kbfinancialsolutions.com or kbfinancialsolutions@yahoo.com.


Q: How much does this service cost?
A: Credit reports differ from one person to the other, and our pricing structure is designed to be fair and honest.


Q: Is this service legal?
A:  Absolutely.  We are licensed by the State of Texas and follow all state and federal laws.


Q: How do I get my credit reports?
A: We will get your reports from a third party.  They will include all information from the three major credit bureaus (Equifax, Experian and Transunion).  Once received we will send you a copy of these reports. You will receive a new, updated report from each of the bureaus, along with the results of our disputes, approximately every 45 days. 


Q: If I get something in the mail from the credit bureaus, what do I do?
A: Send all correspondence you reveive from the credit bureaus to us ASAP by mail or you can bring it by.


Q: How do I send information to you?
A: Mail, bring it by, or fax it.  You may also e-mail us your information, however, most of the correspondence you will receive will be in a paper form.


Q: Should I send an information directly to the credit bureaus?
A: While you are in the program, we ask that you DO NOT send anything directly to the credit bureaus; nor do we want you to talk with them directly.  This may negate our efforts and increase
the time it takes for your credit score to improve.


Q: What about talking to creditors?
A: It is alright to talk with creditors, however, do not tell them that you are working with a credit restoration company. 


Q: How long will it take to see results?
A: You should start seeing results in approximately 5 to 6 weeks.  Be patient, this process is designed for long-term results, not an overnight "quick fix".


Q: May I apply for credit while this process is going on?
A: The general answer is "maybe".  Each individual situation is different.  Consult with us and we can advise you on what's best for your particular situation.


Q: Is it possible for a deleted item to be put back on my credit report?
A: Our goal is to have the information removed permanently from your credit history.  Due to their failure to follow the law, the credit bureaus face a potential fine of up to $10,000 per line for putting deleted credit information back into your credit file.



Q: How soon will my credit score improve?
A: In most cases, your score will improve as soon as you are notified (by the credit bureau) of the removal of the negative information.  Understand, however, that creditors have up to 60 days to report changes to your credit profile.  The removal generally improves your scores as much as 29 points per item; but...this is also dependent on you having enough positive information in your credit file to begin with and that you are also making payments on any current open accounts or any accounts that you open during the process.


Q: What if I don't receive information in the mail?
A: If you have not received updates within 60 days after you sign up for the program, contact us immediately.
                                                    

                                                        

                                                         Feel free to contract us if you have any other questions.




                                                                                                       

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                                                                                        KB Financial Solutions
                                                                             
1607 Chretien Point Dr, Mansfield, TX. 76063
                                                                                              (817) 371 - 3495
                                     
KB Financial Solutions can help you to: Improve Your Credit,  Help Rebuild Your Credit,                                                               Stop Creditor Harassment, and Finance Your Home Loans
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