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Why do I need your service?
A single negative item or inaccurate information on your credit reports can lower your
credit FICO score with all three major credit bureaus. Low FICO scores can affect your chances to
obtain lower interest rates for home mortgages and auto loans. It also will increase your
auto insurance rates and affect your ability to obtain employment. Monarch Credit Repair has been
very successful in the past with removing negative credit items. Although you can attempt to do this
yourself, many individuals have found that it becomes very frustrating and time consuming when they
do not achieve the results that we can provide. The fact is that the credit bureaus may choose to
ignore your attempts or choose not to reinvestigate the negative items at all.
Yes, the law requires that you must be licensed. MONARCH CREDIT REPAIR .COM / Payment Systems
a DIVISION OF BRIAN PETRONE JUDGMENT ENFORCEMENT AGENCY is licensed in Florida and New Jersey.
Federal and State law requires that you may cancel, without any penalty or obligation, at any time
before midnight of the 3rd business day, which begins after the date the contract is signed by you.
FULL REFUND OF ANY MONIES PAID WILL BE RETURNED WITHIN 10 DAYS OF RECEIPT OF
CANCELLATION NOTICE.
How do I know my personal information is safe?
Any personal information that you submit to MONARCH CREDIT REPAIR .COM / Payment Systems
a DIVISION OF BRIAN PETRONE JUDGMENT ENFORCEMENT AGENCY has the fiduciary duty to protect your information.
Not ony are we ethically and morally bound our license requires it. We will not disclose, resell or allow to be
viewed by anyone.
How long does it take to improve my credit?
The bureaus must respond in 30 days of the dispute.Within the first 60 days you will start to see improvement
in your credit report. Depending on the number of negative items appearing on your credit reports will determine
the duration of time that services will be needed.
Can I apply for credit while my credit is under repair?
No, if you apply for any new credit because it will interfere with the process of restoring your credit.
How often should I expect to get mail from the credit bureaus?
You will receive updated credit reports about every two-three weeks until your account is completed.
As items are disputed the bureaus will forward correspondence directly to you regarding the progress on the
disputes.
When I receive my credit reports/correspondencewhat should I do with them?
Send the original reports to Monarch Credit Repair .com and make copies to be kept for your records.
All correspondence must be mailed to the following address in a new envelope:
Payment Systems / Monarch Credit Repair
P.O. Box 274
Venice, Florida 34284-0274
All Reports and Updates must be placed into a new envelope and mailed within five days of receipt.
Do not write on the original envelope or forward by placing our address over your address.
Please keep individual credit bureau reports in their original individual envelopes so they are not mixed together.
We also recomend mailing your reports via U.S. Postal Priority Mail with delivery conformation.
Can I fax my credit bureau report to you?
NO, You may however print it to a .PDF file or Scan and email to us.
What is Fast Track Service?
Fast Track is a priority service: credit reports are worked on the same day your order is received.
This is perfect for Rapid Re-Scoring for Mortgages.
There is an additional fee of $99.00 for Fast Track Service.
What payment methods do you accept?
Credit Cards - Electronic Transfer - Certified Check - Money Order - PAYPAL
What happens if I cannot pay my monthly payments?
Your account will go into a holding status until the account is brought up to date.
If payment is not made in 60 days than account will be closed.
What is your warranty/Full Refund Policy?
Warranty - Full money back warranty if our service does not change, improve, or delete negative item(s)
which we jointly agree can be removed as indicated on your report and we continue efforts for 12 months.
