We do NOT provide one on one consultations for credit clients due to the high volume of emails received daily. This email is reserved for NeoValor Credit Excellence CUSTOMERS ONLY regarding their purchases.

Do you accept credit clients?  No, we do NOT accept credit clients. This is a DIY credit repair program. We provide the tools needed for you to repair your credit yourself. 

I purchased the dispute letters and no longer have access. Do I need to purchase again? No, do not purchase letters again. The link to the download that you receive after purchase expires after 30 days. If you have purchased dispute letter templates from NeoValor Advisors and your link has expired. Please submit an email to customer support with your Order # and our customer service team will resend the link containing your digital download within 24 hours.

​I purchased the dispute letters and have questions. How can I receive help? If you are a customer and you have questions regarding the dispute letters. Please submit them to our admin team INFO@NEOVALORADVISORS.COM 

How long does it take to see improvement? This varies customer to customer as each situaiton is different. On average most people repairing their credit are happy with results within 3-6 months but there are no guarantees. Long lasting credit repair is a journey.

​What is your refund policy? Due to the immediate availability of our digital products, we are unable to offer a refund. 

HOW DOES A MORTGAGE LENDER DECIDE TO LEND ME MONEY FOR A NEW HOME? Your personal credit report is the single most important factor in determining whether you get approved for a loan. A substantial income and down payment will not always overcome bad credit. Creditors use a credit scoring system to determine whether you’re a good credit risk. Among the many factors that they take into account, the creditor examines your credit history to look at your income, whether you currently own a home, how many years you’ve worked at your job and how promptly you’ve paid your bills in the past. Each factor is given points—the more points you have predicts to the creditor how likely it is that you’ll pay back the debt.

IF I’M TURNED DOWN, WILL THEY THELL ME WHY? Although creditors are not required to tell you the factors and points used in the scoring system, they are required to tell you why you were rejected for credit. For example, if a creditor says that you were denied because you haven’t worked long enough at your current job, you might want to reapply after you’ve been at the job longer.

CAN I PURCHASE A HOME WITHOUT AN “A” CREDIT RATING? Yes. It is possible to purchase a home with B, C, or below credit, but more often than not, you will pay higher interest rates on your loan and will need to put down a larger down payment. So although you can still get into a house without stellar credit, it’s always best to do what you can to improve your credit situation.

CAN INFORMATION BE CHANGED OR REMOVED FROM MY CREDIT REPORT? Yes. Thanks to the Fair Credit Reporting Act, if information cannot be verified (even if the information is correct!) by the credit bureau within 30 days of your request, or if items on your report are not 100% accurate, they must be removed.

BUT IF I TELL THE CREDIT BUREAUS THAT I’M TRYING TO IMPROVE MY CREDIT HISTORY, WON’T THEY TRY TO HELP ME?  Never tell bureaus that you are attempting credit repair—especially if you plan to challenge them on the accuracy of the report. The federal law provides the bureaus with an escape and allows them to dispute your challenges as frivolous from the start.

HOW ABOUT WRITING A LETTER EXPLAINING MY CREDIT PROBLEMS FOR THE CREDIT BUREAUS TO INCLUDE MY CREDIT REPORT TO THOSE WHO REQUEST IT? The Federal Law allows you to include a 100-word explanation of negative credit items right in your credit file, so that anyone who checks your credit can read “your side of the story.” NEVER use this method! First, if anyone even reads your letter, no lender is going to accept your side of the story over another lender’s. Second, your FICO score will be completely deleted. Your FICO score is an underwriting guideline that lender’s use to determine what kind of risk you are. The higher your FICO score, the better risk you are—so if you have NO FICO score, then obviously, your chances of rejection are guaranteed. If you feel the need to explain your circumstances to a potential lender, write a letter directly to them when you make the application for a loan. They are more likely to read it and take it more seriously.

HOW DO I STOP THE UNSOLICITED CREDIT AND INSURANCE OFFERS? You may contact the credit bureaus to remove your name and address from major credit bureau lists for unsolicited credit and insurance offers for two years. If you complete and return an “opt-out” form provided on request from the credit bureau, you will be off these lists. It may be possible to complete this process with calls to the numbers below. A phone call or mailing to any one of the three nationwide credit bureaus will get you started. Use the following numbers for this purpose:

Equifax Options: 800-556-4711

Trans Union: 800-680-7293

Experian Credit Marketing: 888-567-8688