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Professional Credit Repair Software for Mortgage Companies, Realtors, Real Estate Investors and Credit Repair Companies
                 Credit Repair Software

     Close More Loans!
 

Build your Pipeline without the risk of your Credit Challenged Clients going elsewhere - Track the Progress along the way.

 

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Have A Question?
Do you have a question that is not addressed here? Submit the following form and we will get right back to you.
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Message:
clearsend
I would like to start by thanking you on your professionalism and phenomenal customer service experience! Your software is very easy to learn, has great features, and customization options are awesome! I would also like to say that my experience from day one was great.

- When I had a technical problem or questions the issues were resolved quickly
- Prompt replies and call backs
- Very Personable (That's what sold me)
- Never sounded bothered with all my questions
- Customer Service is Great!

This software is a must have for any Credit Repair Organization and I personally think that it is under priced! 

Sincerely,

E. Ramos -FL

Awards

 

  100% Safe Certified by SoftPlatz.com

 CreditWin Pro

CreditWin Pro received a 5 stars award from allapp.com

 

 

FAQ's   Convenient & Complete Answers to Common Questions

 
  • Yes We Have A Live Webinar Demo!  Call 303-504-0371

Credit Repair & Optimization

 
Q. How do you define credit repair and optimization?
 
Q. Is Credit Repair Legal?
 
Q: What are the Laws that affect The Credit Repair Process?
 
Q. How long does it take to repair or optimize a credit file?
 
Q. Do you suggest setting up new trade lines, EIN #'s or file segregation?
 
Q: Does paying off old bills repair credit?
 
Q: Is it possible for an item that was removed to be put back on a Credit Report?
 
Q. We want to do the credit repair and optimization in-house. Do you have solutions to help?
 
Q. Can the client do-it-themselves? Do you have tools to help them?
 

Email
 
Q. Can I access other email accounts with HyperOffice?
 
Q. I already use Microsoft Outlook. Do I need HyperOffice?
 
Q. Does HyperOffice synchronize with Outlook?
 
Q. Does HyperOffice protect my emails from viruses and spam?
 
Q. Can I keep my same email address?
 
Q. Can I setup aliases in HyperOffice?
 
Document Manager
 
Q. Can I restrict people from viewing/editing/deleting shared files?
 
Contact Manager
 
Q. Can I import contacts from another contact manager/database?
 
Q. Does HyperOffice synchronize with palm and other handhelds?
 
Calendaring/Scheduling
 
Q. Can you share calendars with people not using HyperOffice?
 
Q. Can I view other peoples schedules?

Credit Repair
 
Q. How do you define credit repair and optimization?
A: The credit bureaus, as well as creditors, are required to follow accuracy procedures before they can legally place information on your credit report. Any information that is not complete, or not accurate, or not verifiable is not supposed to remain. During the process creditors and credit bureaus are forced to back up their claims of accuracy. Once an error is identified, if it can't be proven 100% accurate, the item must be removed. There are other methods also used in special situations. These are explained on a case-by-case basis.

Start by examining a client’s personal credit file held by each of the major credit reporting bureaus (TransUnion, Equifax and Experian). Then, identify any accounts that contain information that could be considered adverse. Next, dispute all of the accounts that contain inaccurate, erroneous, or obsolete information on the client’s behalf and have the accounts deleted or updated accordingly. Finally consult your clients on how to avoid future negative credit listings while educating them with helpful tips on how to use their credit to their advantage and boost their scores.

Q. Is Credit Repair Legal?
A: Surprisingly, this is still often asked. It is because of consumer complaints about inaccuracies and incomplete credit reports that congress passed laws allowing for, and specifying the procedures, for credit repair. This credit repair process is 100% legal. In fact, one of the key laws (The Fair And Accurate Credit Transactions Act) was recently updated with many important provisions. Congress has also created law, The Credit Repair Organizations Act, which authorizes a third party to assist  in challenging inaccurate credit reports.  
Q: What are the Laws that affect The Credit Repair Process?
A: There are both Federal and State laws that directly impact the reporting on credit reports. Some have an indirect affect by clarifying processes for disputes and collection procedures between consumers and creditors. Some of these include: The Fair Credit Reporting Act, The Fair Debt Collections Practice Act, The Consumer Credit Reporting Reform Act, The Consumer Reporting Employment Clarification Act, as well as HIPPA laws.
Q. How long does it take to repair and/or optimize a credit file?
A: The length of time to complete the full program will vary from client to client. Each case is unique. The number of issues, the type of issues, and the participation level of the clients, creditors and bureaus will all have an impact on the speed of the process. Typically, the range will be from 3-4 months.

Q. Do you suggest setting up new trade lines, EIN #'s or file segregation?
A: Absolutely not! File segregation is the highly illegal process of creating a new credit identity with the credit bureaus. This new clean credit identity is then used when applying for credit because it does not contain any of the negative items on your real credit reports. Any credit repair company who offers to "repair your credit" using file segregation is clearly operating on the wrong side of the law and may get you in legal trouble as well.

Q: Does paying off old bills repair credit?
A: Old debts need to be handled very carefully. It would take too long to explain in detail here, but to summarize one key problem: When you pay an old debt off, it does NOT remove it from your credit report, as many consumers assume. Instead, it is updated as a PAID collection or PAID charge-off, etc. This Is better than unpaid, but not as good as it being removed entirely. Sometimes PAID is the best you can do, other times you can do better. There are other factors that need to be weighed before approaching old debts. Collection statues need be considered and will vary from state to state.
Q: Is it possible for an item that was removed to be put back on a Credit Report?
A: It is possible, but extremely rare. The credit bureaus are required by law to send a 5-day notice before placing something back on a consumer’s credit report. In addition, there is a higher burden of verification placed on the credit bureau. Because of these added provisions, it is extremely rare for the same item to be reinserted.
Q. We want to do the credit repair and optimization in-house. Do you have solutions to help?
A: Sending your clients to a third party outside credit repair company often means you risk your clients going to the competition after they have a repaired credit file. Reducing the time and expense while maintaining quality communication with your clients builds customer loyalty!
 
MortgageCreditService.com offers 2 credit repair software programs, The SOHO version and The Networked Version. Please go HERE to learn more.

Q. Can the client do-it-themselves? Do you have tools to help them?
A: Of course consumers can do credit repair themselves! The laws are designed to allow them to do so. The real question is will they? Our company does offer a consumer version of our credit software which my be branded with your organizations information. This branded consumer version may be used as a value added or profit offering. Please contact us at sales@mortgagecreditservice.com to discuss your specific needs.

Email
 
Q. Can I access other email accounts with HyperOffice?
A: Yes. Like Outlook, you can set up HyperOffice to read from any POP3 accessible email account. With one simple setup, you'll have one portal to access all of your business and personal email accounts. No more logging into multiple services, searching multiple accounts, or missing critical emails. Please keep in mind that AOL and Hotmail do not support POP3 accounts and this feature will not work with those mail providers.

Q. I already use Microsoft Outlook. Do I need HyperOffice?
A: Yes. HyperOffice can replace Outlook or be used in conjunction with Outlook, depending on your needs. Most users find they no longer need Outlook because HyperOffice provides all the same features and functionality of Outlook plus a whole lot more.

Microsoft Outlook is a PC based software program, which means you will have to purchase a copy of this software and install it on your computer. From this point on all of your emails, contacts, files and information are stored on your computer. Therefore you can only access your email, contacts, calendar, files...etc. through your computer.

In contrast HyperOffice is a browser-based application, which requires no installation and is always available from any computer. HyperOffice stores your critical files and information securely online, providing you with 24x7 access to the information you need. In addition, HyperOffice includes groupware and many other productivity applications that allow you to work more efficiently with your team members

Q. Does HyperOffice synchronize with Outlook?
A: Yes. HyperOffice can be used as a replacement or as an add-on feature to Outlook.  HyperOffice can synchronize your calendar, contacts, and tasks with your existing Outlook information. Once synchronized, HyperOffice can replace or be used in conjunction with Outlook, providing access to your entire office online anywhere, anytime in a safe, secure environment.

Q. Does HyperOffice protect my emails from viruses and spam?
Yes. The HyperOffice email system provides an anti-virus service to block viruses and prevent them from reaching your inbox. All affected emails are automatically put in the "Quarantine" mail folder and deleted after a short period. HyperOffice also provides a spam control service that redirects all spam emails to the "spam" mail folder, which is purged periodically.

Q. Can I keep my same email address?
Yes. HyperOffice allows company account users to use a custom email address, such as username@yourcompanyname.com.

Q. Can I setup aliases in HyperOffice?
Yes. HyperOffice will let you create aliases for your company account.

Document Manager
 
Q. Can I restrict people from viewing/editing/deleting shared files?
Yes. Hyperoffice enables a group administrator to define user rights on all the sections of the group. A user can be assigned any combination of read/write/delete/create directories privileges on a group's shared files.

Contact Manager
 
Q. Can I import contacts from another contact manager/database
Yes. HyperOffice provides its users with a contacts import tool that allows for data to be imported from a csv (comma separated value) file.

Q. Does HyperOffice synchronize with palm and other handhelds?
Yes. HyperOffice can synchronize your calendar, contacts, and tasks with your existing handheld information. However, you need to first sync this information with Outlook then transfer it to your handheld system. A direct HyperOffice-handheld synchronization tool will be available to our customers in the near future.

Calendaring/Scheduling
 
Q. Can you share calendars with people not using HyperOffice?
Yes. Each group in your HyperOffice account comes with a public calendar that's accessible to anyone inside and outside your account.

Q. Can I view other peoples schedules?
When scheduling a meeting with other group members, you can check the users schedules to locate the most convenient time for the meeting.

 
 
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