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Frequently asked questions

THE SECRET SOCIETY FOR VETERANS IS A PROUD AFFILIATE OF KMG CREDIT MANAGEMENT, LLC

You've got questions. We've got answers.

Credit repair is a no joke, and we want to be as transparent as possible with what we can and cannot do. Here’s a list of some common questions, but if you can't find what you’re looking for, don’t hesitate to reach out through email by contacting contact@thesecretsocietyforveterans.com

Credit 

HOW CAN I IMPROVE MY CREDIT?

Credit repair is a no joke, and we want to be as transparent as possible with what we can and cannot do. Here’s a list of some common questions, but if you can't find what you’re looking for, don’t hesitate to reach out through email by contacting contact@thesecretsocietyforveterans.com

 HOW LONG DOES CREDIT REPAIR TAKE?

Short answer? We don't know. The problem is, every member's situation and credit are unique, and there's no way to predict in advance how long it will take to repair your credit. That being said, past members have seen an average increase of 40 points to their credit score in just six months of service.

 HOW MIGHT MY SCORE CHANGE WITH THIS PROCESS?

There are five different factors that affect a FICO® Score, and knowing exactly which factor prevails in any given situation is a science that FICO® keeps proprietary. Because of this, it is possible (and somewhat common) for your FICO® Score to slightly decrease initially. But don't worry, the removal of negative items pretty much always has a positive effect on your FICO® Score in the long term. For example, let's say a 60-day late payment that appeared on your credit report for five years is removed. While your score may go down initially because your credit history length has decreased, it will likely bounce back as that negative mark is no longer influencing your score.

 WHY IS MONITORING YOUR CREDIT IMPORTANT?

Monitoring your credit frequently helps you track all the information in your credit reports, so there are never any surprises when your credit is pulled. Remember that credit reports may contain unfair, inaccurate or unsubstantiated data, which can negatively impact your credit score. Plus, have you heard of identity theft? Trust us, it’s better to stop that sooner rather than later.

 WHEN YOU PULL MY SCORE AND REPORT DOES IT IMPACT MY CREDIT SCORE?

No, our credit score and report pulls do not impact your score. There are two types of credit inquiries: hard inquiries and soft inquiries. A hard inquiry is when a prospective creditor pulls your score with the intent to qualify you for a loan. Hard inquiries will hurt your score. We use a soft inquiry to obtain your credit score and reports, which will never hurt your score.

WHY DO CREDIT SCORES VARY?

There are three reasons why credit scores can vary:

1. Not every creditor reports information to all three of the major credit bureaus: Equifax, Experian and TransUnion. Since credit scores are calculated based on credit report data, the scores will vary across those bureaus.

2. The credit score we provide is a genuine FICO® Score, used in more than 90% of US based lending decisions. However, FICO® sometimes utilizes specialty scores for very specific purposes that can differ by a few points. Of course, there are other scoring systems that are used, often on sites that offer free credit scores, which also vary from one another based on their algorithm for calculating your score.

3. The information in your credit report can change at any moment due to the latest information reported on your accounts by creditors and lenders, which leads to changes in your score.

billing

HOW DOES THE BILLING PROCESS WORK?

Additionally, it's important to note that the billing structure is intricately tied to the payment plan you have selected during the sign-up process. Our payment options vary, and the corresponding fees are determined by the specific plan you choose.

Once you've signed up and we commence our services, which include continuous credit monitoring, the provision of detailed credit reports, the implementation of credit repair strategies, and furnishing you with a comprehensive credit analysis, your monthly fee will begin 30 days after the initial work fee.

It's crucial to emphasize that our billing is reflective of completed work, mirroring the nature of services rendered, much like a utility bill. If, at any point, you opt to discontinue our services, please be aware that a final payment will be charged when your service concludes. This ensures that you are billed accurately for the work already performed on your behalf. We are committed to transparency in our billing practices, and our customer support team is readily available to address any inquiries or concerns you may have about the billing process.

CAN I CANCEL ANYTIME?

Of course. If at any time you feel our service is no longer a good option for you, you can cancel. In this case, we'll charge you a prorated amount for the work completed up to that point, rather than hitting you with an entire month's fee.

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