Q?

CAN PARAGON HELP ME GET APPROVED FOR A MORTGAGE?

A.

There are many considerations for a mortgage loan including Debt to income ratio, down payment, and cash assets. Out of all of the qualifications needed your credit is generally considered to be the most important. Our CEO has a deep history in the mortgage industry including earning over 30 awards for client satisfaction and top funding at not one but two of the ten largest lenders in the U.S. Our CEO also has recently worked as the Director of Credit Services for one of the top 5 largest lenders in the United States. This deep level of competency in both the financial and credit aspects of mortgages allows us to be uniquely positioned to help our clients get to the closing table as quickly as possible.

Q?

IS CREDIT REPAIR LEGAL?

A.

Yes! It is your legal right to dispute items on your credit report. Paragon Credit Services exercises your legal rights using many state and federal statutes including but not limited to, the Fair Credit Billing act, Fair debt collections practices act, the Fair Credit Reporting Act, and the Truth in Lending act, just to name a few.   Using our knowledge, experience and highly engineered processes we are able to provide our clients with consistent results.

While we work ONLY within the legal parameters allowed by the law to provide you quick and efficient service there are, unfortunately, many companies in our industry that are more than happy to break the law in an effort to generate more profit. There are many services that recommend their clients use tactics such as:

  • Obtaining alternate Social Securities Number
  • Creating "fake" credit profiles by reporting false information
  • Creating consumer credit profiles using an EIN
  • Filing a police report to falsely claim identity theft

We recommend staying far away from these companies as you risk taking on significant personal and even criminal liability.

Q?

DO I HAVE TO PROVIDE PARAGON WITH COPIES OF MY CREDIT REPORT?

A.

The short answer is NO! Unlike most of our competitors we do not make you go through the process of paying for your own credit reports each time we need a credit update, then downloading them and sending them to us.

You are likely looking for professional help because you want a quick and painless process. When you speak with your Credit Coach he or she will get you set up with a credit monitoring account.

This one time set up takes about 5-7 minutes and allows us to monitor your credit in real time through out the entire process. This means our team has access to your credit information 24/7 throughout the process. This simple step save you time, money, and frustration along with allowing us to provide you with the most effective and efficient service possible.

Q?

CAN I REPAIR MY OWN CREDIT?

A.

Yes. Legally you can dispute items on your credit report on your own.  However, credit repair  strategies, tactics, and processes can make the process time consuming, and most of all, ineffective for the consumer.  Our clients tell us that the amount of  patience, time, and perseverance it takes to complete the process is just not worth doing it themselves.  An average client file can take our team up to 100 hours of work from start to finish. Disputing items is not difficult; getting results is.

Q?

HOW CAN PARAGON CREDIT SERVICES SUCCEED WHEN MY OWN DISPUTES HAVE FAILED?

A.

It's important to remember that Creditors and the Credit Bureaus are not keen on having to deal with credit disputes. They tend to view this as a non-profitable use of their time that costs them both money and lost time each year. Because of this creditors spend millions of dollars engineering dispute response tactics that are designed to stop the disputing process short before a successful resolution, in your favor, can be reached. Our team has over 20 years of combined experience in working with creditors and bureaus. We are able to anticipate these industry tactics which makes the process faster and more effective for our clients.

Also like us you probably have a job, family, and just a busy  life in general. This can make it tough to comply with the federal timelines and amount of communication that can be required to have inaccurate and unverifiable items removed from your credit report. Our team has both the knowledge and the resources to execute the advanced processes and communication required to get you consistent results every time.

Also with our Pay for Performance system you can rest assured that there is no one that will work harder to provide you with the best results possible. Let's just be honest here. If we don't get results, we aren't getting paid. Our goals are clearly aligned with yours from day one.

Q?

HOW DOES THE PARAGON MONEY BACK GUARANTEE WORK?

A.

Our competitors are quick to use confusing language that often times has many stipulations buried in the contract. Our money back guarantee is simple. It's not based on performance at all but rather your satisfaction. Here is the language right from our contract:

"If after 120 days you are not completely satisfied with the results of our services, Paragon Credit Services shall immediately refund your First Work Fee."

This simple guarantee ensures our clients can engage our team knowing that we are financially vested in your satisfaction with our services.

Q?

WHAT IF SOMETHING THAT YOU GET REPAIRED ON MY CREDIT GETS PUT BACK ON LATER?

A.

Although this is unusual, it does happen on rare occasion. Once your file is closed, we don’t monitor your credit anymore. However, if you notice that this has happened, just notify us and we will work on repairing it at no cost to you, as long as it is the SAME debt with the SAME creditor.

Q?

WHAT ITEMS CAN PARAGON REMOVE FROM MY CREDIT REPORT?

A.

While each clients situation is unique the law provides many protections for consumers. We can legally dispute any item that you believe to be inaccurate, unverifiable, misleading, or incomplete. We have successfully removed the following items for our clients:

  • Bankruptcies
  • Foreclosures
  • Short Sales
  • Medical Collections
  • Charge-offs
  • Late payments
  • Tax liens
  • Public records
  • Judgements
  • Collections
  • and more..

Q?

CAN PARAGON NEGOTIATE PAYMENT PLANS WITH CREDITORS?

A.

Paragon Credit Services is a credit repair company, not a debt consolidation company. Therefore we do not directly work with creditors on payment plans or negotiating overall debt settlements. We only communicate with creditors directly electronically and through mail in an effort remove the questionable  data from your credit report.

Q?

CAN I CANCEL ANYTIME?

A.

Yes! We only want you to use our services for as long as you are happy and receiving your desired results. You are welcome to cancel anytime and with our Pay for Performance system you will ONLY pay for the results we have achieved.