FAQ's

Who is the Consumer Information Bureau? CIB is a national organization founded by top experts in the credit repair industry who have been helping consumers improve their credit and finances for over eleven years. CIB is licensed by the Department of Occupational Licensing in Broward County, Florida and registered with the State of Florida Division of Corporations. CIB has a perfect record with the BBB and has a level of customer satisfaction unmatched in the industry, which is why 70% of our new business comes from referrals from our existing customers.

Why Do I Need My Credit Fixed? This country operates on credit. The computers at the three major credit bureaus assign a score to your file and this number is used to judge your ability to repay credit. It's an unfair system, but it's all we've got. Unfortunately, if your credit is less-than-perfect, you will either be denied credit or pay much higher interest rates. Here's how much that could wind up costing you:

Example 1: Automobile Financing
If you are making payments on a car, you are probably paying between $5,000 and $9,000 more in interest just for having bad credit. This added interest shows up every month in a higher payment. Take a look at a $20,000 car paid over 5 years:

Example 2: Home Mortgage
Bad credit in auto financing can really hurt, but it is nothing compared to the cost of bad credit when a home is involved. A typical home can cost between $50,000 and $130,000 more in interest if you are buying the home with bad credit, as indicated below. Take a look at a $100,000.00 Home Mortgage paid over 30 years.

Example 3: Credit Cards
Most of the time you cannot even get an unsecured credit card with bad credit. If you do, you are generally expected to pay a high monthly payment or initial fee. Furthermore, the limits are typically low and the card issuer often asks for a cash deposit.

What Kind of Items Can Be Removed? Though nobody can legally guarantee that every negative item can be removed permanently from your credit report, it has been our experience that any credit problem can be fixed, including: Late Payments, Foreclosures, Judgments, Liens, Collections, Charge-Offs, Bankruptcies, and Repossessions. In fact, we have in our computer actual proof of over 100,000 of the above items deleted from credit reports. And don't forget our 100% money back warranty.

What is the CIB 100% Money Back Warranty? Simply follow our program and if your credit isn't improved, we will refund 100% of your money, AND you can keep the bonus Audio CD Program, 50 Software Programs (value over $1,000), and all program materials with our compliments.

How Is My Credit “Fixed”? The CIB program has everything needed to complete the process quickly and easily. By using the Credit Repair Software (or the pre-typed forms and letters) included in your program, you will receive your credit reports from all three credit bureaus. The system then creates the actual letters you need to dispute the negative and inaccurate items that appears on your reports. The letters quote the actual chapters and sections of the Fair Credit Reporting Act and the three other Federal Acts relating to credit. If the credit bureaus are unable to verify the items within 30 days, they must, by law, remove them from your credit reports.

The CIB program makes it so difficult for the bureaus to verify an item, that it is usually removed on the first dispute. But even if they do verify an item as correct, the system generates another letter, making it tougher and tougher for the bureaus to prove, and when they finally can't, it is deleted from your reports or updated to show PAID IN FULL, NEVER LATE. It's an amazing and effective process!

Once you have completely achieved your goal, you will be able to maintain your new and improved credit score by utilizing the simple strategies outlined in our system. Our unique system is the only tool you will ever need to improve and maintain a high credit score.

Can I Afford To Restore My Credit? Definitely. As you can see from the example on the previous page, less-than-perfect credit can cost you thousands of dollars a year. And that's not taking into account the extra deposits required by cellular phone providers, car rental companies and utilities. So the question is not whether you can afford credit restoration, but can you afford NOT to do it? Our program is inexpensive and fully guaranteed, so you have nothing to lose!

How Long Does It Take? You will receive your one-of-a-kind CIB Program in just 2 to 3 days via Priority Mail. The program is so simple that it takes only about 20 minutes to start the whole process, and about 5 or 10 minutes a week after that. Depending on your particular credit file, you can restore your credit in as little as 40 days. For most customers the entire process will take between two to six months, but it may take a little longer if there are one or two difficult items.

The CIB program is guaranteed to improve your credit score in the quickest possible time allowed by law. Included in your program are several “fast repair” insider secrets that can only be found in our exclusive program. If you're looking for speed, no other program even comes close.

Why Can't I Do All This Without CIB's Help? You can. In fact, the process was supposed to be made consumer-friendly by the United States government. Of course, nothing is simple with the government, so unless you're familiar with credit law and extremely well organized, you are going to need help. Our program gives you that help and so much more. It makes the process so simple, that if you can read and write, you can restore your credit.

You wouldn't think of rebuilding your car's engine without help; you definitely shouldn't mess with your credit without professional guidance. Besides, if you make mistakes in the process, you could create more problems than you solve. Do you know how to keep the credit bureaus from returning your dispute as frivolous and stopping the entire process for months at a time? Most people don't. We show you how to avoid this and dozens of other credit bureau traps.

What's Included With Your Program and How Is It Different? Some people ask why they should utilize our program when they can buy a $49 credit repair book or “e-book” on the Internet. Why should skydivers buy a premium parachute when they can get a cheap version somewhere else? Because they know how important it is to land safely on the ground, and it's worth a few extra dollars to make sure that happens every time. It's the same thing with your credit. You may have luck with a cheap Internet program, but considering that your financial future is on the line; wouldn't you like to know that you are guaranteed to land safely?

Remember: you get what you pay for.

Here's what makes the one-of-a-kind CIB program different from all the others:

GUARANTEED results (try to get that with an Internet book).

•  FREE product support for one year from the purchase date.

•  All the pre-typed forms and letters you need for the process.

•  The best-selling 24-part audio CD program entitled “What Every American Needs to Know About Their Credit.” This educational CD program will make you a credit expert in no time.

•  A Quick Start Guide that gets you started in less than 15 minutes.

•  A comprehensive Step-By-Step guide that walks you through the disputes.

•  A detailed 130+page reference manual that contains everything that you need to understand your credit… and then some.

•  Contact information for all three credit bureaus including secret unpublished phone numbers to speak to a human being rather than the automated system.

•  Exclusive strategies for paying off past-due debts for pennies on the dollar.

•  Little-known methods for increasing your credit score by up to 75 points virtually overnight.

•  Insider secrets from the former president of a major regional Credit Reporting Bureau.

•  Over 50 amazing bonus software programs on CD (valued at over $1,000). CIB has licensed these programs to help you start a business, learn the Internet, publish a book, and lots more!

•  FREE Business Opportunity with your own free website! Make great money by referring people to us. It really works! How do you think YOU heard about us?