Blog Contact Us
Free Consultation CALL 1-888-554-FICO (3426) | Local: 1.714.378.9900
FREE CONSULTATION!
Enter your details below to
speak with one of our experts.

Answers to your Questions!

Are You Bonded?

Yes. Brightside Credit Services carries surety bonds as required by various state laws...

Can Brightside remove bankruptcies from my credit report?

Every consumer's situation is different. If you have a bankruptcy on your credit report that you feel is inaccurate, misleading, incomplete, or unverifiable in some way then we can dispute it for you. As for getting it removed from your credit report that is not something we can promise or confirm...

Can Brightside setup payment plans with creditors?

We are a credit report repair company, not a debt consolidation company. Unfortunately, we do not work with creditors for payment arrangements...

Can I cancel anytime?

Yes. We require no long-term contracts and you can cancel at any time...

Can I consult with someone before I decide to sign-up?

Absolutely! We encourage you to call or email one of our professional credit analysts for a FREE Credit Consultation and ask any questions that may help you in determining the best solution for you credit needs. Call 714-378-9900 to talk to someone now. You can also email any questions that you have to learn more about your credit report repair at info@brightsidecreditservices.com..

Can I get a free credit report?

A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months...

Does Brightside Credit Services bill in advance for services?

No! We do Not Charge in Advance For Credit Repair Services. In compliance with the Credit Repair Organizations Act, we only charge for credit repair services after they have been fully rendered. Your first payment to Brightside Credit Services is called a "Credit Reporting Audit Fee" and is made after we have completed the identified services relating to this payment as detailed in the service agreement. Each monthly payment thereafter covers the monthly services detailed in the service agreement fully rendered during the previous month. Your first monthly payment is thirty days after you sign up...

Does Brightside Credit Services disclose personal information?

No. We will not share, sell, transfer or convey your personal information to any unaffiliated companies or third parties. We maintain strict confidence of your personal information. We even have strict policies for all Brightside Credit Services employees when it comes to sharing personal information internally...

Does Brightside Credit Services offer any warrantees?

We are so confident in our customer service and audit investigation process to remove any erroneous item that may be on your credit report. We take pride in our level of service and client support and are committed to providing our clients the most rewarding experience possible...

Does Brightside Credit Services provide my credit report?

No. When you become our client, we request that you submit all three credit reports to us. If you don't have a copy, don't worry. We'll show you where you can get a copy of all three reports for free. If you do not qualify for a free report, we can show you a number of websites where you can purchase reports online for a low cost...

How do I send you my credit reports and updates?

We make it as easy as possible for you to submit your credit reports and documentation to us. You can upload them directly through our secure client management website. You can also fax or mail them to us. Before you mail us any documents, remember to make a copy of them for your records. You can also provide user information for the website where you purchased the reports and we'll download them for you. If you can think of another way to get them to us, let us know and we'll accommodate you. Our goal is to make the credit report repair process as easy and efficient for you as possible. ..

How does Brightside Credit Services protect personal information?

We safeguard the security of your data with physical, electronic, and managerial procedures. We urge you to take every precaution to protect your personal data when you are on the Internet. Change your passwords often, use a combination of letters and numbers, and make sure you use a secure browser. The Brightside Credit Services web site uses industry-standard Secure Sockets Layer (SSL) encryption on all web pages where personal information is required. To sign up for our service, or to log into the client section of the web site, you must use an SSL-enabled browser such as Netscape Navigator 3.0 or later, or Internet Explorer. This protects the confidentiality of your personal information and credit card information while it is transmitted over the Internet...

How does the Brightside Credit Services credit repair process work?

We want you to clearly understand how the credit dispute process works. For a brief overview of how the credit repair process works, see below. You can also call one of our Professional Credit Analysts for a free consultation and they can explain the process to you and answer any questions for you. The credit repair process is actually quite simple; however it does require you to be persistent, patient, and to understand how the process works. To get started we need all three of your credit reports. If you already have them that is great, if not we can help you order them. Once you send your credit reports to us, you can log in and tell us what items you want to dispute and why. Once we complete this process, we will begin sending out your dispute letters to all three credit bureaus. The next 45-50 days you will get updated credit reports and letters back from your creditors and the credit bureaus. They will come in plain white envelopes with just a return address in the upper left hand corner, make sure you open all of your mail and get these results to us as soon as possible. We will continue disputing for you until your case is done or you choose to close your case...

How long will it take to repair my credit report?

Our clients typically start seeing results in 45-50 days. Because everyone's case is different, some cases are completed in that time, but the average length for our clients is 4 to 8 months. It really depends on the type and number of items that need to be addressed in the credit profile. Successfully repairing credit requires persistence, patience and experience. This is where Brightside Credit Services expertise saves you valuable time. To effectively dispute incorrect information on your credit report, the key is knowing the 'valid disputes' and understanding the methods used by the credit bureaus in order to submit personalized disputes that meet their requirements and warrant a timely response...

How often should I pull a copy of my credit report?

By the time you are at this stage, you have already signed up for a monitoring service. During the time you are with us, we recommend pulling your credit each month. Remember, the first results will come to your home in 30-45 days, so you may want to wait for 60 days the first time...

If I cancel early, what will happen to the work you have done?

Financial problems come in many forms. If you find that you cannot make a payment or need to cancel because of financial stress, what we have already accomplished for you will remain so. Many clients will come in and out of our program throughout the years. ..

What happens if I miss a payment?

Part of what we teach in our educational emails is responsibility to the debts you have incurred. But if you suffer a financial problem, and your automatic debit is not honored at your bank, simply get us on the phone and make new arrangements. If you fail to do so, then the company will try a total of three times to debit your account. If you have not made arrangements, all work on your account ceases, and $20 per attempt will be charged to your account. These penalties will need to be honored before resumption of your monthly commitment with us...

When I request my report does it count as an 'Inquiry'?

You may request your report as often as you choose - without affecting your score. You have the right to view your reports as often as you like with no penalty against you. However, 'inquiries' on your credit report from potential creditors, businesses or employers do count as an inquiry and affect your credit score. This is why we have you order your credit reports and send them to us. Our goal is to improve your overall score and eliminate credit report errors...

Why choose us over another credit repair company?

We Get Results and have the BEST customer service in the industry. These are just two but important factors that set us apart from our competitors...

Why should I trust you to do this work?

We encourage you to read the testimonials of real customers and referral partners on our website. The loyalty of our customers is outstanding...