FREQUENTLY ASKED QUESTIONS
Part of our mission at RNA Services & Co, LLC is to educate as many people as we can about credit. When it comes to credit, what you don't know CAN hurt you, so learn as much as you can. If your questions are not answered on this page, call one of our specialists. They will be happy to handle any questions you might have.
How much do your services cost?
We offer a range of pricing options to fit your needs and budget.
Purchase Credit Report:
To begin our credit repair process, you will need to purchase a credit report. We offer this service for a fee of $1.
Credit Monitoring Service Fee:
We also offer a credit monitoring service that allows you to track changes to your credit report. This service is required, but we to ensure that your credit information is accurate and up-to-date. The fee for this service is $24.99 per month.
We charge a one-time set-up fee of $499.99 to cover the cost of setting up your account and initiating the credit repair process.
We offer monthly credit repair plans that start at $199.99 per month. Our plans are designed to fit your specific needs and may include services such as:
Dispute letters to credit bureaus
Personalized credit score analysis
Identity theft protection
Credit monitoring service
We will work with you to determine the best plan for your individual situation and goals.
Thank you for considering our credit repair services. If you have any questions or would like to get started, please contact us using the information provided below.
How will I know what progress is being made?
You will be given an on-line account page where you can watch progress. This is where the majority of communication will take place. There is a Time Line and Progress Report as well as Credit Analysis component.
Can I fix my credit myself?
Sure! You can also give yourself a root canal as well, but sometimes there are things that are best left to the professionals. That said, it is your right and responsibility to monitor and protect your own credit. The government has a set of laws to help you called the Fair Credit Reporting Act, as well as the Fair Debt Collection Practices, act that you can reference for information about challenging information on your credit reports. RNA Services & Co, LLC is here if you need help from professionals who work with the bureaus and these laws every day
Do you just send lots of letters and hope the creditors don't respond in time?
No. Hoping for someone else to make a mistake is not an effective strategy. The credit bureaus and creditors receive millions of disputes monthly. They are prepared to handle a heavy flow of challenges, so when we attack an item from your credit, we expect a response. All of our challenges are custom arguments. Our effectiveness is one reason why we’re ranked as the top credit repair agency by several financial-related websites, blogs and authorities.
Do you use disputes like other credit repair companies?
No. Disputing is outdated and ineffective compared to modern credit enhancement techniques. While most credit repair companies still send out template, cookie-cutter disputes, they are not a very effective method of removing negativities from a credit report. We challenge the report-ability of the account by contesting that the requisite standards of METRO2 compliance are not being adhered to. This strategy is effective not only on accounts with inaccurate information, but also accounts where the information is factual, but the METRO2 compliance is deficient.
Can I apply for credit while in a RNA Services & Co, LLC Program?
Sure, your credit is your own, you just need to be aware that applying for new credit will add new inquiries to your credit report which will impact your credit score. One of the services we provide is helping clients know which lines of credit to open that will be most impactful, without worrying about getting denied.
How can bad credit be legally repaired?
Laws like the FCRA and the FDCPA give you the right and responsibility to assure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.
What does RNA Services & Co, LLC do to help?
RNA Services & Co, LLC helps clients attack their credit damage by challenging inaccurate, untimely, misleading, biased, incomplete, or unverifiable negative items from their credit reports. We also challenge the reportability of the account by contesting that the requisite standards of METRO2 compliance are not being adhered to. This strategy is effective not only on accounts with inaccurate information, but also accounts where the information is factual, but the METRO2 compliance is deficient. That’s why RNA Services & Co, LLC is ranked as the best credit repair company according to multiple customer rankings and financial publications.
Do I need to pay my bills?
YES. It is your responsibility to protect your credit while we are working on your history. If you add new damage to your credit report, you will be working against us.
Is it possible for deleted items to reappear on my credit report?
It is possible for a negative listing that had been deleted to be verified by a creditor after the deletion is complete. When this happens the Fair Credit Reporting Act states that the credit bureaus need to inform you before re-reporting an items that had been deleted. It is a rare occurrence to have an item removed and replaced, but it is possible.
Does paying my bills restore my credit?
If they are revolving or installment accounts, paying your bills every month will build your credit history. We will also suggest resources that will aid in building your credit.
How long do charge-offs stay on a credit report?
A charge-off can remain on your credit report for up to seven years from the date of the first late payment that led to default. Learn more about how to remove charge-offs from your credit report.
How Long Does Bankruptcy Stay on a Credit Report?
Depending upon the type of bankruptcy, it might stay on your credit report for up to a decade. The Fair Credit Reporting Act (FCRA) outlines the credit reporting limitations for bankruptcies.
How Are Judgments Collected?
Once you have a judgment against you, the plaintiff may be able to collect the money in several ways including wage attachments or garnishments. Learn everything you need to know about how judgments affect credit.
Can You Remove Late Payments From My Credit Reports?
RNA Services & Co, LLC can help you understand what should and shouldn’t be on your credit report and share tactics that may help you get incorrectly reported late payments removed.
Can Repossessions Be Removed from a Credit Report?
There are two potential ways to remove a repossession. You can dispute a repossession or you can try to negotiate with the creditor to remove it early. Learn more about how to remove repossessions from your credit report.
Is It Possible to Remove a Foreclosure from a Credit Report?
There are five circumstances under which you might be able to remove a foreclosure from your report earlier than expected. Learn more about how to remove foreclosures from your credit report.
Can you help me remove hard inquiries from my credit reports?
A RNA Services & Co, LLC specialist can analyze your credit reports and discuss your credit history with you to determine which credit inquiries we may be able to help you remove.
Can you negotiate a bill in collections?
You can ask a debt collector or creditor to remove a collection and this type of favor is known as a goodwill request or a pay-for-deletion. Be aware though that you need any promise in writing. There is no law stating that once you pay the debt is has to be removed from the credit report.
How can I read a copy of my credit report?
Credit reports can be confusing for the average person. RNA Services & Co, LLC has prepared the Guide to Reading Your Credit Report.
Thank you for considering RNA Services & Co, LLC.
Information We Collect:
We collect personal information from you when you sign up for our credit repair services. This may include your name, address, date of birth, Social Security number, phone number, email address, and financial information. We may also collect information about your credit history, including credit reports and credit scores.
How We Use Your Information:
We use your personal information to provide you with our credit repair services. This may include communicating with you about your credit repair progress, disputing inaccurate information on your credit report, and helping you improve your credit score. We may also use your information to comply with legal and regulatory requirements.
How We Protect Your Information:
We take the security of your personal information seriously and have implemented measures to protect it. We use industry-standard security measures to protect against unauthorized access, use, or disclosure of your personal information. We also restrict access to your personal information to only those employees who need it to perform their job duties.
Sharing Your Information:
We do not sell, trade, or rent your personal information to third parties for their marketing purposes. However, we may share your information with third-party service providers who assist us in providing our credit repair services. These service providers may include credit reporting agencies, debt collectors, and other entities involved in the credit repair process. We require these service providers to maintain the confidentiality of your personal information and to use it only for the purposes for which it was disclosed.
You have the right to access, update, and correct your personal information. You may also request that we delete your personal information, although we may be required to retain some information for legal or regulatory purposes. If you have any questions about your personal information or would like to exercise any of these rights, please contact us using the contact information provided below.
Do you Offer Refunds?
Thank you for choosing our credit repair services. We are committed to providing you with the best possible service and outcomes. As part of our commitment, we offer a 100% money-back guarantee if you are not satisfied with our services.
If you are not satisfied with our services, you may request a refund within 90 days of signing up for our services. To request a refund, you must contact us in writing and provide a detailed explanation of why you are not satisfied with our services.
However, please note that if you violate our signed contract by providing false information or engaging in any activity that undermines our efforts to repair your credit, you will not be eligible for a refund. We reserve the right to determine whether a violation of the contract has occurred.
If we determine that a violation of the contract has occurred, we will notify you in writing and provide you with an explanation. We will also provide you with an opportunity to correct the violation and continue with our services. If you do not correct the violation within a reasonable time frame, we may terminate our services and withhold any refund. We want you to be fully satisfied with our services and encourage you to contact us with any questions or concerns. Thank you for choosing our services.
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