What   is The Credit Formula

The Credit Formula is a subscription based   credit enhancement program. You will be billed monthly at the rate of $99.99   until you achieve your desired results or 12 months passes, whichever is   shorter. Over the next 12 months we will submit letters on your behalf to   address derogatory information reporting on your credit report. We make no   guarantees or promises. However, our deletion success rate is on average at   80%



How   do I Enroll?

Go to our website www.capitalcreditcenter.com and click on   the “Sign-Up” link


How   much does it cost to get started

You pay a $199 Registration fee which   is refundable up to 3 days after payment if you change your mind. 


What   should I expect next?

You should receive a welcome letter   with instructions on what action steps you need to take


How   long will it take before I see items being submitted on my behalf?

Once you have completed the   on-boarding process, you should see letters being generated on your behalf   within 72 hours


What   do I need to do after the letters have been submitted?

Monitor for any correspondence or   reports from the credit bureaus, collection agencies, creditors or others.   Make sure you forward whatever you receive to us immediately at our email: clientservices@capitalcreditcenter.com


Can   I select which accounts on my report I would like to have challenged?

Recommended accounts to address will   be reflected in the audit report of your credit report review. 


I   never received my personal portal access.

We will send it to you immediately. Look   for an email that is coming from www.secureclientaccess.com  If you do not see it please check to see if   it went to your spam mail box.


What   are your hours of operation?

Our office hours are:

Monday –Thursday

10am-2pm EST

Closed Holidays and Week-ends

However, you have access to us 24/7   through your personal portal.


I   am having trouble logging into my personal portal.

We can send it to you again for you to   reset your password 



It   has been 30 days since letters were sent on my behalf and I have not received   any correspondence. 

The bureaus have up to 45 days to   respond. We will follow up with them on the 46th day if you have   not forwarded us any notification from them. 


I   would like to get a status on my account.

Log into your personal   portal to review what action has taken   place. 


I   would like to cancel my service. 

Send a message using   your personal portal or  Contact client services at   407-926-4112  


I   am having financial difficulties right now and would like to place my account   on hold. Is that possible?

Yes we can place you in an inactive   status for up to 90 days


I   would like to change my payment date. Is that possible?

Yes, However you must notify us in   writing 7 business days prior to your next scheduled payment


Can   you give me advice on how to improve my credit score?

We do not advise the client, however   we do offer reference material to gain knowledge on ways to improve your   score ie:FICO.com


Can   you advise me on whether I should pay off my collection or not?

We do not advise clients on whether   they should pay off their collection or not. That would be strictly up to   you. However, we do suggest that you get in writing that the item will be   removed from your credit before you make any payments.


How   long does the process take?

Each client is different, however the   process can take up to 12 months depending on how many accounts you have on   your file that needs to be addressed



How   long after I start your program can I apply for credit.

We ask that you wait 3-6 months. We   prefer the 6 month waiting period.


Do   you delete late payments?

No.The only way late payments can be   removed from your credit report is by the account holder. We do not address   late payments but we can give you instruction on addressing them on your own


I’m   in bankruptcy, can I still sign-up for your program?

No, you need to be discharged for a   minimum of 

6 months prior to coming on as a   client


Do   you sale trade lines and CPNs?



I   don’t want to pay on my account anymore, can you just remove it?

No, it is illegal. If you are having trouble managing and paying off your debt you may want   to speak to a bankruptcy attorney or a credit counselling agency



I was unable to purchase a home because of my low score. After participating in the Credit Formula Program, my score went up high enough for me to purchase my first home

A. Durden, GA

I started my own business and did not know how important my personal score was in trying to obtain a business loan. I really needed to expand my business. So I joined the Credit Formula Program and they were able to help me get my score high enough to get the capital I needed.

C. Mays, GA

My credit was destroyed during my marriage by my husband. After we divorced I knew I would need to get my credit in order. My score at the time was in the high 400s. I signed up for the Credit Formula Program and we worked  together as team to get my score increased to the high 600s very quickly.

E. Abram, CA