Frequently Asked Questions

We start every client with a no upfront cost No payment start until we start to send out your file  
• Individuals: $105 per month
• Couples: $160 per month

These rates include everything needed for the credit‑repair process—tri‑bureau credit monitoring, certified mail for dispute letters and our credit‑repair software. There are no setup fees and you can cancel at any time before your next billing date. While on the trail you pay for your credit monitoring of $24.99 after first month that is included in plan.

Most clients stay enrolled for 3-12 months depending on their goals,   You’ll be billed monthly after the free trial; we’ll email invoices 3 days before your payment date. 

Yes. You have the right to cancel your membership at any time. If you cancel during your 4 day cancel period, you won’t be charged at all. After billing begins, you can cancel before your next billing date to avoid further charges. We also honor the three‑day cooling‑off period required by law if you change your mind immediately after signing up. 

 The FCRA is a federal law that governs how credit information is collected, reported and used. It gives you the right to access your credit reports, dispute inaccurate or unverifiable items and have corrections made within specific timeframes. The FCRA also requires credit bureaus and furnishers to ensure the information they report is accurate and fair. 

 The FDCPA is a federal law that protects consumers from abusive, deceptive and unfair collection practices. It restricts when and how debt collectors may contact you and requires them to provide verification of the debt if you request it. Understanding your rights under the FDCPA can help you respond appropriately to collectors and ensure any disputes are handled lawfully. 

 Elevate By Tae Consulting Services is an Orlando‑based credit‑repair and financial‑education firm. We help clients dispute inaccurate items on their credit reports, build positive credit habits and understand how credit works. Our program is fully compliant with federal and state laws and offers a free trial so you can see results before you pay 

 Credit repair focuses on correcting inaccurate or unverifiable negative items on your reports, while credit building helps you establish positive credit history through responsible use of new or existing accounts. Many people benefit from both: removing errors that drag down scores and adding positive trade lines to strengthen their credit profile. We can evaluate your reports and recommend the best approach for your situation. 

 We start by reviewing your credit reports to identify inaccurate or unverifiable items. We then send dispute letters to the credit bureaus and creditors on your behalf and monitor the responses. As items are corrected or removed, we update you and provide guidance on building positive credit so your scores improve over time. The process repeats until all actionable items have been addressed. 

 We adhere to CROA by providing a written contract that outlines your rights and our services, offering a three‑day cancellation window, and not charging fees before we’ve performed the promised work. We never make false claims about removing accurate information or guaranteeing score increases. Our process is transparent and fully compliant with federal law. 

 Apps like Credit Karma and Experian often provide partial information (e.g. from one or two bureaus) and may not update as frequently. We require a tri‑bureau monitoring service that provides complete, current reports and scores from all three credit bureaus. This ensures we see every item affecting your credit and can act quickly on changes. 

  We strictly follow the TSR by not charging fees before services are fully performed, obtaining written authorization before billing, providing clear disclosures about our program and respecting Do‑Not‑Call requests. Our processes are designed to protect consumers and meet all federal telemarketing requirements. 

 If you suspect identity theft, act quickly: place fraud alerts or freeze your credit with the major bureaus, file a police report and complete an identity‑theft affidavit at IdentityTheft.gov. Once you have documentation, we can help you dispute fraudulent accounts and ensure your credit reports reflect the correct information. 

 Enrollment takes just a few minutes. You’ll need basic personal information, a copy of your driver’s license and a document showing your current address (such as a utility bill or bank statement). You’ll also need to keep a valid debit or credit card on file—prepaid cards aren’t accepted for recurring payments. 

 Every 30 days we update your online portal with your latest scores and account status. We also email progress reports and you can call our support team at any time.
 

 We are a compliant, transparent company that follows all credit‑repair laws. Our goal is to educate and support you, offering fair pricing and clear communication throughout your credit‑repair journey
 

 We follow all credit‑repair regulations, so we never charge upfront fees, promise specific score boosts or engage in illegal ‘credit sweep’ schemes. Our approach focuses on disputing inaccurate or unverifiable items and educating you on credit‑building strategies within the law. 

 If you’re sued by a creditor, it’s important to respond promptly and seek legal advice—credit‑repair services cannot represent you in court or stop the lawsuit. We can help verify the debt’s accuracy and provide documentation, but you should consult an attorney or legal aid to protect your rights and determine the best course of action.
 

 We focus on disputing items that are inaccurate, outdated or unverifiable—such as late payments recorded in error, collections that don’t belong to you or accounts past the reporting time limit. We can’t legally remove accurate, verifiable information, but we’ll work with you on strategies to improve your overall credit profile.

  Disputing online yourself is free and faster, but it may not fully protect your rights—you’re limited by the bureaus’ online forms and may waive certain legal protections. A reputable credit‑repair service prepares customized dispute letters, follows up with creditors and bureaus, and uses legal knowledge to ensure your disputes are handled properly. Essentially, you’re paying for expertise, time savings and a more thorough process.

 In most cases, accounts that are successfully removed remain off your credit report. However, if the original creditor or debt collector later provides new verification to the credit bureaus, the account could be reinserted. Under the Fair Credit Reporting Act, the bureaus must notify you if a previously deleted item is reinserted, and you have the right to dispute it again if the information is inaccurate or unverifiable. We monitor your reports and will re‑challenge any items that reappear without proper validation. 

 Paying off a debt is an important step toward improving your credit, but it doesn’t automatically remove the negative history associated with that account. Once a debt is paid, the account will typically be updated to ‘paid’ or ‘closed,’ which looks better to lenders than an unpaid balance. However, late payments, charge‑offs or collections can remain on your credit report for up to seven years. Our program focuses on disputing inaccurate or unverifiable negative items while helping you establish positive credit habits moving forward. 

 Hiring a credit repair company cannot guarantee specific credit score increases; we work within federal and state laws to dispute inaccurate items. 

The card you put on file will be  automatically billed every month. To update payment method. You will need to email us the request at support@elevatebytaeconsultingservice.com. Updates or concerns will respond Monday-Friday 9am-8pm EST. 

 We provide a Free  4 day period, which gives clients time to decide if they want to cancel.  Because of this no‑risk trial, we do not offer refunds once the monthly service fee has been billed. You can cancel your service at any time before your next billing cycle to avoid future charges. 

Of course, we actually can not see any details on your payment method (other than the last 4 digits, for verification). 

 Absolutely. If you’d like to discuss your credit situation by phone before enrolling request a call through our contact page and we’ll arrange a convenient time. 

 Disputing inaccurate items does not lower your score. In fact, correcting errors can help your score over time. We’ll also guide you on actions that could temporarily affect your score, such as opening new credit accounts. 

 Some clients see improvements in as little as 30–60 days, but credit repair is a process that depends on your unique situation. We’ll keep you updated every 30 days as we work on your behalf. 

 We’re here to help. Email us at Support@elevatebytaeconsultingservice.com So we can answer any additional questions. We want you to feel confident before you sign up. 

 No. Federal law prohibits credit‑repair companies from accepting payment before work is performed. You’re billed monthly after services are completed, and you can cancel at any time.