Credit Repair Questions

Why do I need your service?
Are you a licensed company?
How do I know my personal information is safe?
How long does it take to improve my credit?
Can I apply for credit while my credit is under repair?
How often should I expect to get mail from the credit bureaus?
When I receive my credit reports/correspondence what should I do with them?
Can I fax my credit bureau report to you?
What is Fast Track Service?
What payment methods do you accept?
What happens if I cannot pay my monthly payments?
What is your warranty/Full Refund Policy?

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.
Back to Top

Are you a licensed company?
Yes, in most states the law requires that you be licensed. MONARCH CREDIT REPAIR .COM / Payment Systems a DIVISION OF BRIAN PETRONE JUDGMENT ENFORCEMENT AGENCY is licensed in Florida and most of the United States. 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.
Back to Top

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 only are we ethically and morally bound our license requires it. We will not disclose, resell or allow to be
viewed by anyone.
Back to Top

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.
Back to Top

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 and void our guarantee.
Back to Top

How often should I expect to get mail from the credit bureaus? text
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.
Back to Top

When I receive my credit reports/correspondence what 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 recommend mailing your reports via U.S. Postal Priority Mail with delivery conformation. (Failure to do so will void our guarantee).
Back to Top

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.
Back to Top

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.
Back to Top

What payment methods do you accept?     

Credit Cards - Electronic Transfer - Certified Check - Money Order - PAYPAL
Back to Top

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.
Back to Top

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.
Back to Top

Call Now for Credit Repair Help  (800) 839-4109 Ext 375

Search these keywords:

florida credit repair,  new jersey credit repair, repair my credit, credit report, dispute credit report, fix my credit, credit repair service legal credit repair, credit repair information, rebuild my credit.

Credit Repair Credit Score Letters Dispute Credit Report in Alaska Alaska AK Juneau Arizona Ariz. AZ Phoenix Arkansas Ark. AR Little Rock California Calif. CA Sacramento Colorado Colo. CO Denver Connecticut Conn. CT Hartford Delaware Del. DE Dover Florida Fla. FL Tallahassee Georgia Ga. GA Atlanta Hawaii Hawaii HI Honolulu Idaho Idaho ID Boise Illinois Ill. IL Springfield Indiana Ind. IN Indianapolis Iowa Iowa IA Des Moines Kansas Kans. KS Topeka Kentucky Ky. KY Frankfort Louisiana La. LA Baton Rouge Maine Maine ME Augusta Maryland Md. MD Annapolis Massachusetts Mass. MA Boston Michigan Mich. MI Lansing Minnesota Minn. MN St. Paul Mississippi Miss. MS Jackson Missouri Mo. MO Jefferson City Montana Mont. MT Helena Nebraska Nebr. NE Lincoln Nevada Nev. NV Carson City New Hampshire N.H. NH Concord New Jersey N.J. NJ Trenton New Mexico N.M. NM Santa Fe New York N.Y. NY Albany North Carolina N.C. NC Raleigh North Dakota N.D. ND Bismarck Ohio Ohio OH Columbus Oklahoma Okla. OK Oklahoma City Oregon Ore. OR Salem Pennsylvania Pa. PA Harrisburg Rhode Island R.I. RI Providence South Carolina S.C. SC Columbia South Dakota S.D. SD Pierre Tennessee Tenn. TN Nashville Texas Tex. TX Austin Utah Utah UT Salt Lake City Vermont Vt. VT Montpelier Virginia Va. VA Richmond Washington Wash. WA Olympia West Virginia W.Va. WV Charleston Wisconsin Wis. WI Madison Wyoming Wyo. WY Cheyenne

(800) 839-4109 Ext 375

What do we do?

We will at no cost to you review your credit report. We will then give you an agreement in writing informing you of the items we can address.

• Delete

• Correct

• Dispute and possibly remove / change

• Dispute but most likely will remain.

HONESTY -We will put in writing the results to expect. If your results are not what we promise, you will be refunded or not charged for our service.

When you use another Credit Repair Company you have no idea if they actually filed the disputes.

We prepare your entire Credit Dispute file; send it to you so you can review it, you double check our work then you personally mail it in Pre-Paid Postage Priority Envelopes with Receipt of Delivery ready to go upon your approval to the credit report bureaus!

That's right! We are so sure of our credit repair work we include the entire packet together with a list of items we guarantee will be removed or updated and what to expect. Not to mention we also give you the entire file on a CD-Rom for your records.

Credit Repair can make things a lot easier on you. Repairing bad credit is not easy, but you should repair your credit if you want to get back on your feet again. Our experience comes from dealing with the Courts and Credit Reporting Agencies on a daily basis as we search accuracy for judgments, liens, charge-offs, creditors etc. In the same way we use this information to collect money we use this experience to correct and improve your credit report.

Do not accept False Promises - If you decide to use a credit repair company ask what results they expect for you and get it in writing!


File Segregation:
New ID Is a Bad Idea
If you have filed for bankruptcy, you may be the target of a credit repair scheme called “file segregation.” In this scheme, you are promised a chance to hide unfavorable credit information by establishing a new credit identity. That may sound perfect, especially if you’re afraid that you won’t get any credit as long as bankruptcy appears on your credit record.

The problem: “File segregation” is illegal. If you use it, you could face fines or even a prison sentence.

The Truth

No one can legally remove accurate and timely negative information from a credit report. The law, does however allow consumers to request an investigation or reinvestigation of the facts and information in your credit file that you dispute as inaccurate or incomplete. There is no charge for this investigation.

Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost.

Reporting Negative Information

  • Bankruptcy information can be reported for up to ten years.
  • Information reported because of an application for a job with a salary of more than $20,000 has no time limit.
  • Information reported because of an application for more than $50,000 worth of credit line or life insurance has no time limitation
  • Default information concerning a US Government insured or guaranteed loan can be reported for seven years after certain guarantor actions
  • Information concerning a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer


Copyright © 2012. All Rights Reserved.

Designed by Sarasota Website Designer.