FREQUENTLY
ASKED QUESTIONS
Q: How does
Credit-Aid software work?
A:
Credit-Aid Software automates the process of repairing credit. It was written
by attorneys to address dispute items, negotiate with creditors and keep it all
organized. Most people see scores improve within 30 days. To see how easy it
is, you can watch the video tour, download a demo...or call toll-free for a
free consultation at 1-800-944-1838
Q: Is credit
repair difficult?
A:
Credit repair is simple with our software. It creates all the dispute
letters. It makes credit repair as simple as clicking your mouse and it guides
you the whole way. Please watch the 4 minute video tour to see just how simple
it is.
Q: How long
will it take to fix my credit and what results can I expect?
A:
That depends upon your credit. Everyone's situation is different. Most people
see positive results within 30 days.
Q: How many points can credit be raised by using your software?
A: That all depends upon your credit situation and everyone's is different. Most credit reports contain errors. Errors are easiest to remove. Accurate negative items can often be removed, as well, but they take a bit more finesse. Our software gives you all the tools you need to handle the process and it is a tremendous time saver. Most people
see positive results within 30 days.
Q: Do you make any guarantees that my score will be raised any certain amount?
A: No. That would be impossible. If anyone makes such a claim...run. We've seen people raise their score as much as 287 points in 30 days. Most people
do see positive results within 30 days. 79% of all credit reports contain errors. Errors are easiest to remove. Accurate negative items can often be removed, as well, but they take a bit more finesse. ALl of these elements come into play. Our software gives you all the tools you need to handle the process and it is a tremendous time saver.
Q: Are there
ongoing (or monthly) fees?
A:
This is “end user” software to install on your computer and not a web based
subscription service. There are no monthly or ongoing fees.
Q: Do free credit
reports or credit scores come included with your software?
A:
Credit reports and credit scores do not come included in our software but we do
provide you the ability to order them easily with a mouse clicks from within
our software. You’re entitled to free credit reports once a year. Credit “scores”
however, are generally something that must be purchased. We do provide links for
easy to access credit scores, as well.
Q: Can you
give me advice about my own credit?
A: We are not allowed to give
advice about specific credit issues, however we offer
plenty of information in our software and in our credit repair blog. If you have general questions about running the software. Please visit this page for a support form. It will be received by a technician
who can help you. Make sure to use the email address you used when making your
original purchase and include any relevant details.
Q: Do I need
a license to start a credit repair business?
A:
A license is generally not required to repair a clients credit. However, laws
can vary from state to state. Click here for more information on credit law by state.
Q: What are
your recommended products for starting a credit repair business?
A:
Any of our “turnkey” packages. They start at $499
Q: What is
the difference between basic pro and turn-key packages?
A:
Basic Pro (Silver and Gold) are for mortgage brokers with a handful of clients
to help, not to be used for a credit repair business. The "turn-key"
solutions have everything you need to start a credit repair business, including
client contracts, power of attorney and many other necessary documents and
additional letters.
Q: What
additional materials come with the larger Corporate Pro (turn-key) credit
repair business versions?
A:
Our Corporate Pro (turn-key) solutions handle far more clients at a much lower
cost-per-client. They include paperwork required to start a credit repair
business (i.e., power of attorney authorization, consumer credit file rights,
client contract agreement, plus additional credit repair letters and more).
These packages are a much better value and will pay for itself with the first
few clients. After that it is all profit.
Q: I want to use this for clients. Can I just buy the
cheaper home version and copy the letters?
A: Our "home-user"
version is not useful to professionals. "Home-user" versions only
allow 3 members. You cannot add more names, you cannot delete them. You also
cannot copy or reuse the letters (copying and pasting will not work). There is
no way to track your clients. You will have no product updates, professional
materials or support. "Home-user" versions are only for home-users.
Q: Can I
speak to a real person for more information?
A:
To contact a product specialist for a free consultation (or to hear about our
current specials), please call toll-free 800-944-1838. You can also contact us here.
Q: How do I
contact Technical Support or customer service?
A:
Click here for a company contact directory
Q: What is
the difference between your home-user and your professional software?
A:
Our home-use software is limited and only suitable for a home user. The
professional versions can handle multiple clients. Our turnkey credit repair
business packages have everything needed to start a credit repair business;
advanced features, additional letters, support, and bonus materials that
include client contract, rate sheet and power of attorney. For more information
about pro software, please click here to visit the PRO page and click on any of
the product buttons. You can also call for a free consultation: toll-free at
800-944-1838.
Q: What
makes your software better than others?
A:
Our people! We have fantastic customer service and support (and we are really
nice). To be honest, we do not pay attention to other company’s products. We
are too busy selling our own and insuring customer satisfaction. We are the
number one seller of consumer and professional credit repair software in
America.
Q: What
happens when I fill up the available client folders/slots? Can I delete
clients? Will I have to buy a whole new version?
A:
When you have used up all of your available client slots you will need to buy a
new version. Clients cannot be deleted. However you will have two options, a
repeat customer discount -- or you can buy a 2X special, which gives you a 2nd
copy (at the time of the original purchase) for 80% off. To inquire about our
specials, please call for a free consultation at 800-944-1838.
Q: Can I buy
a smaller version and upgrade later?
When A: We dont have upgrades, because one product does not replace another...however when it's full you could buy another, and we always give discounts to repeat customers. If you are starting a credit-repair-business you will need a turnkey product. It has everything you need and it will more than pay for itself with the first few clients.
Q: Can this
software be run over a network?
A:
No, this is end-user software to install and run on only one (1) PC. It is not
networkable. All of your important sensitive client data is safely encrypted on
your own computer and not saved on a server where it can be accessed by anyone
else. It you need it for more than one PC (a second computer or laptop), please
contact us about purchasing additional licenses. We always give discounts to
existing customers. Call Toll free 800-944-1838 or click here to visit our contact page.
Q: Can I
install on more than one computer (multiple computers)?
A:
No, our software is sold as a single license and can only be installed on one
computer hard drive. If you wish to install it on a second computer or laptop,
please contact our sales department for an additional license at a discounted
rate: Call Toll free 800-944-1838 or click here to visit our contact page.
Q: Will this
software allow me to do the disputes online?
A:
No, and it often works against you if you to dispute on line. You have greater
success if by paper mail. It's more time-consuming for bureaus to process and
if they do not reply within the allotted 30 days (according to the Fair Credit
Reporting Act) by must remove the disputed item from your report.
Q: Will this
software work on a Mac?
A:
Credit-Aid is written for windows XP and Vista. If you have a Mac and are
running Windows XP or Vista, then you should be able to run it. However, we do
not support Macs. Please download the free trial demo to see if that will run
on your Mac.
Q: Do you
have software in Spanish?
A:
Si! All of our software is available in Spanish. Please click here for our site
in Spanish.
Q: Will the
credit bureaus accept letters written in Spanish?
A:
Yes, the bureaus are bi-lingual and must accept letters written in Spanish.
Q: Do you
have sales/support people who speak Spanish?
A:
Si! To speak with a representative in Spanish please call toll-free
1 (800) 944-1838.
Q: Do you
have an affiliate program?
A:
All affiliate information is posted here
Q: Why don't
my credit reports have "scores"?
A:
Most Credit Reports ordered by consumers do NOT have credit "Scores."
-- especially those ordered for FREE from the Annual Service, The scores are
generally sold at a premium. Here is our recommended source if you are
seeking actual credit "scores"
Q: My credit
report does not contain Spouse information. Should it? Should I include Spouse
information when requesting or disputing a report?
A:
(Copied from EXPERIAN.COM) "The credit reporting agencies maintain
individual credit files for each U.S. resident. They do not maintain combined
files for spouses. Therefore, your credit report is separate and different from
your spouse's. Joint credit accounts you have with your spouse will appear on
both credit reports."
Because
the bureaus maintain individual credit files for each US resident, it is
easiest when communicating to the Credit Bureaus communicate as individuals,
rather than trying to combine communications and disputes.
When
using Credit-Aid Software, it is advisable to create completely separate user
profiles and completely separate request and dispute letters, rather than
trying to copy and paste between spouses.
Q: I have a
desktop, a laptop, and several other computers in my office. Can I install this
software on more than one computer?
A:
No. Credit-Aid software is sold with a single Computer license, very much like
Windows or Office or many other popular programs. It may not be installed
on more than one (1) computer. If you would like information about purchasing a
multiple user license, click here for more information and pricing.
Q: When I
start to install Credit-Aid software, I am getting a message window that says
"Unknown Publisher." What does that mean and what should I do?
A:
We are not affiliated with Microsoft in any way, therefore we will always be an
"Unknown Publisher." This is just part of WIndows security letting
you know that our software has not been verified by Microsoft. When you seen
"Unknown Publisher" simply continue the install process.
Q: Help! I
can't download my Credit Reports from the Credit Bureau web site!
A: We don’t have upgrades,
because one product does not replace another...however when it's full you could
buy another, and we always give discounts to repeat customers. If you are
starting a credit-repair-business you will be much happier and more productive
with a turnkey product, plus the larger versions cost less per-client We
understand that the credit bureau websites can sometimes be
"unfriendly." We have no affiliation to the credit bureaus. Our
software does provide an easy link to connect you directly to their websites
where you can order reports, but once you are in their websites we cannot
control how they respond to you.
The main function of our
software is to generate the letters needed for disputing items in your reports,
submitting them “in writing” to the bureaus, keeping track of your progress,
and keeping it all organized. Viewing your credit reports on the credit bureaus
web sites is completely dependent upon your own computer’s settings and your
ability to provide the information that they request.
We recommend using our software
to create the report requests “in writing” so that you can create a paper
trial. It takes the bureaus longer to items submitted in writing, which
can often work in your favor. By law, we cannot go any further than that
in offering specific credit advice, but for more information about the Credit
Repair Process, please download our free booklet at
www.credit-aid.com/booklet-form.htm .
Incidentally, while we are on
the subject of credit reports: most Credit Reports ordered by consumers do NOT
have credit "Scores." -- especially those ordered for FREE from the
Annual Service, The scores are generally sold at a premium. Here below is an
alternative source if you are seeking an actual credit "score".
Q: Why is
this software so reasonably priced?
A:
We believe that software should be affordable. We also truly want to help
people. We know that we have created the best credit repair software on the
market and we also know that if you have success, you might tell a friend about
it, and if enough people have success, we will sell plenty of programs, and
help a lot of people, and everyone wins in the end.
Q: I do not
have Windows Vista or XP. Will Credit Doctor run on older versions of Windows?
A:
No. Credit Doctor will only run properly on Windows Vista and XP.
Q: Do you
have a Canadian Version?
A:
Although we've traveled everywhere from Moose Jaw to Medecine Hat, we are
American and live in California and we have no knowledge of the Canadian Credit
Laws. A Canadian version my be in the works soon, but for the moment, it takes
all the hours in the day to improve our own American version. If you are
Canadian and need help with Canadian Credit Repair information click here.
Q: I am a
Mortgage Broker and I want to be able to help my clients with their credit. Do
I need a special license for this?
A:
If the dispute letters come from your clients, are signed by your clients, and
if you are not charging them for this service, then your clients are repairing
their own credit. You would simply be helping them to repair their own
credit by using our software to generate the letters, track their progress and
keep them organized. Another option is to have your clients sign a Power
of Attorney letter to allow you to do this work on their behalf. The Power of
Attorney letter is included in our larger professional versions. Please consult
with an attorney in your specific state to confirm this.
As
far as charging your clients for this service, we believe that if you go the
extra mile for your clients, you will receive back more rewards (by way of
closed loans, goodwill and word of mouth) than any small fee you might charge
for printing and sending a few letters.
Q: I have
paid for Credit Doctor and received my Activation Code from you, but when I try
to enter my activation code into the program, it just says DEMO DEMO and I
can't enter in the code.
A:
If it says DEMO DEMO, that is NOT the Credit-Aid Full Version program. What you
have is only the free Demo, and you must completely uninstall the demo prior to
installing and running the full-version.
Q: I am
trying to install by typing in the name and activation code you sent me, but I
keep getting an error message that says "Invalid User String." What
do I do?
A:"Invalid
User String" means you are entering an incorrect name and code. This
usually occurs when trying to "retype" the name and code we sent.
Please try to "copy and paste" the name and code (instead of
retyping) and you should have success. FYI: To cut and paste: Use Control + C
to COPY and Control + V (Or Right Mouse Click + Paste) to PASTE it into the
Activation window.
Q: I was
sent a shipping confirmation email from Google Checkout or PayPal. Where is my
download?
A:
We send instant downloads the moment your credit card has been authorized. If
you ordered the download version and received a confirmation letter that your
card was charged or that your order has shipped, that means that we also sent
your software and it is waiting for you at the email address that you have
provided. If you don't see it in your inbox, please look in your spam folder
before contacting us. 99% of the time that is where it is.
*Credit-Aid
is an automated "INSTANT DOWNLOAD", but your download info will not
display (and send) until YOUR bank has approved your purchase. This generally
happens in seconds, however it CAN take longer, depending on YOUR bank's
approval. If you purchase through Paypal, you can log into your PayPal account
at http://www.PayPal.com to see your order status. If you have purchased
through Google please log into your Google Account at http://checkout.google.com to see your order’s status. If you purchase directly
with a credit card, you will receive email notification when the order has
processed, along with your download and activation info. If you have any
trouble, please send us a friendly email and we will be happy to help you.
Q: Why does
Google send me shipping confirmation with my mailing address when I have only
purchased a download?
A:
This is a quirk in the Google Checkout system. If you purchased a download, you
will only receive a download. If you paid an extra fee to purchase a backup
CD/Shipped one will be shipped to you.
Q: I bought
a copy of Credit-Aid, but my computer crashed. How can I get a new copy?
A:
No problem! We will be happy to help you (up to one year from your original
purchase), but to do this we must be able to find you in our system, so please
send us an email with the name and email address used during your Credit Aid
purchase (and an order number so we can look up your order information) . If
you have used Google's email masking when placing your order, this could make
it more difficult for us, so the more info you can provide, the better. We will
be unable to regenerate and resend your download if more than one year has
passed since your purchase.
Q: How do
you handle product returns?
A:
We believe in our products and we know you will love them, too. Our software
support team is available to assist you and will generally reply to any concern
within 24 hours. If, however, they are unable to resolve your technical issues
we will offer a full refund, within 30 days of purchase. To read full details
of our guarantee and return policy click here
Q: I am
trying to download this program, but I keep getting corrupt or NCIS error
messages when trying to install it. What is wrong?
A
"corrupt" or "NCIS" error you are getting means that you
are not downloading the entire program. The install file is 13.2
Megabytes. It will not install unless you download the entire file.
2/27/2008
We are now sending all downloads in the form of ZIP files. We now do this
because Norton and other Antivirus products prevent downloads of exe setup
files. If you have downloaded the entire zip file, it will open if you choose
OPEN or RUN and inside the ZIP file is the Credit-Aid setup file. Doubleclick
on the Credit-Aid setup file and in a few seconds the installer will start.
Make sure you follow the defaults and DO NOT TRY TO CHANGE THE LOCATION WHERE
CREDIT-AID WANTS TO INSTALL!
If
you are double clicking on the file you have downloaded and nothing happens, or
you get an error message that Windows doesn't know what to do with it, you
probably haven't downloaded the entire file.
We
test the links daily and they generally take 2 Minutes to download on standard
DSL or Broadband, but occasionally your antivirus or internet settings on your
computer may be preventing you from completing the download. If you are getting
error when trying to download and install the software, here are the steps to
take to correct this problem:
Delete
the partial file you have downloaded
Delete
ALL temporary internet files (Control Panel – Internet Settings)
Completely
SHUT DOWN and RESTART your computer
Download
the file again and remember to save it to your desktop. Make sure you have
the full 13.2 megabytes. Once it has downloaded, you can check the file
size by doing a right mouse click on the file itself and choosing
PROPERTIES (with the left mouse button). If you have downloaded the entire file
it should install perfectly.
If
for any reason this does not work, please send us a friendly email to contact
our support team with detail of the problem you are having, along with your
order number (and the email you used during purchase and we will be happy to
help you further. We want to help you.
Q: I didn't
receive my activation letter...or my time ran out. Can you resend my download
and activation information?
Activation
letters are sent IMMEDIATELY when your credit card is charged. Our system is
automated. If you did not receive your activation letter, first please look in
your SPAM or BULK email folder. That's where they sometimes end up, because
spam filters also can filter out important mail.
If
you do not see your activation letter in your SPAM or BULK email folders,
please do not call our sales staff. They are in a separate location and they
cannot help with technical matters. Contact our support team and we will be
happy to help you very quickly, however, before you do, please read the
following so we can help you.
We
are able to resend activation details two (2) times -- or up to one (1) year
from the date of purchase (whichever comes first). Please help us to find your
order by providing the following information:
Your
Name and Company
Your
Phone Number
Your
Order Number (if you have it)
The
exact software version you purchased
The
EXACT email address used during the ORIGINAL purchase.
Please
note that our system will only resend to the EXACT email address used during
the original purchase. No exceptions.
**Please
note that your software is licensed to use on only one (1) computer. We monitor
how many times it's been downloaded, and if you've attempted to install it on
more than one (1) machine. If you would like to install it on more than one
computer, please contact us about purchasing additional copies at discount (ie;
multi-user licensing).
Q: If I am a
Mortgage, Real Estate or Credit Professional, can I just buy the consumer
software? Will the consumer version be useful for me?
A: No! If you are a Mortgage,
Real Estate or Credit Professional, our "consumer" software will not
be useful to you
We offer "limited feature /
limited use" versions of our software to "consumers" at a
consumer-level price. These versions are not useful for professionals.
Here is why our "consumer
only" versions are not useful for professionals.
Our "Consumer only"
scaled-down versions only allow 3 user profiles, you cannot add more names, you
cannot delete them. You also cannot copy or reuse the letters (copying and
pasting will not work). You will have no way to track your clients, so the
software will be useless to professionals. Also you will have no product
updates or support. "Consumer Only" versions are only sold to
consumers.
Our professional software is
affordable for any size office or budget you have. Our largest version, PRO-1000
will help 1000 of your clients to improve their credit scores for less than $1
per client. If you help one client to raise their score and close a loan, the
professional software will have already paid for itself many times over. Plus,
the good will you've generated by "going the extra mile" for that
client will pay you back many times over in referrals.
Our Credit-Aid Professional
software is very user-friendly.
We offer try-before-you-buy demo
versions of our PRO software. If you would like to see how it runs and what it
can do for you, we encourage you to download it.
If you have questions about our
PRO software, you may also call our Corporate Sales Desk at (310) 929-7554.
 Would you like to earn revenue
from your website?
Do you have clients, website,
e-zine, blog or newsletter viewers? who can benefit from Credit-Aid Software?
Earn revenue as a Credit-Aid Affiliate.
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