• Who is JH Wright Credit Services/CREDITDEFENDERsm?

We are Private Credit Investigators.  We assist individuals in restoring damaged credit by having credit bureaus remove negative and derogatory information from your credit reports.  Our service is the "longest surviving" credit renewal center in the country.  We have been in business since 1986.  We were registered and bonded in the State of Texas, and became proud members of the Better Business Bureau of Dallas, and the Greater Dallas Chamber of Commerce in 1992.  You may contact by phone, internet, and mail, we are able to service any client world-wide who has a credit record that is maintained within the United States of America.

• How is this done?

Primarily we take advantage of several Consumer Credit Protection Laws.  They include The Equal Credit Opportunity Act, Privacy Act, Fair Credit Reporting Act, and Fair Debt Reporting Act.  Congress passed these laws in the 1960's to help assure consumers the right of privacy regarding how and what is reported by credit reporting agencies.

• Is it legal?

Yes, the government enacted these laws for the purpose of protecting consumers against the intrusions of creditors, credit bureaus, and bill collectors.  Everything is done in accordance with these laws.

• What can you do that I can not do myself?

Get results.  Many of our clients realize that they can attempt this process themselves.  Some have tried and become disillusioned by red tape creditors and credit bureaus use to elude credit laws.  The advantage we have is that we are familiar with these laws, and the techniques that will make these laws work for you.  We can cite specific areas in these laws that the average consumer may be unaware of.

• Is the service expensive?

That depends on a person's needs.  Our price is generally less than 50% of what it will cost to actually pay off the debts.  You can take our "Free On-Line Consultation" to decide for yourself.

• Is this service guaranteed?

Since the law restricts credit repair services from making the statement that "we guarantee removal of correct information from your credit report," we offer to refund any money you have paid us if we do not clear these items.  Exact conditions of these terms are defined in your contract.

• Will the information re-appear once it has been removed?

No, our goal is to permanently remove the negative information from your credit report.  Should it re-appear, we will redo it at no additional cost, or refund your money as stipulated in the contract.

• How long does the process take?

You should start seeing results within six to eight weeks.  The entire process must be completed within 120 business days from receipt of your full payment.

• If I pay the debts, won't the negative items automatically be removed from my credit report?

No, there is no legal obligation for creditors to remove the negative once a settlement has been made.  Their only obligation is to show that the account has been paid.  It will still remain negative on the report for 7 to 10 years from the date it is reported.

• Isn't a paid negative better than an unpaid negative?

No, there are only two ratings on a credit report, "negative" and "positive."  A paid negative is a negative regardless.  All other ratings in your report will fall under these two headings.  Any attempt to make you believe otherwise is a lie.  Any rating even if it appears positive, is considered to be completely negative if even one negative notation is attached to the account.

• How many credit bureaus are there?

Nationwide, there are thousands of bureaus.  The major three are Experian (formally TRW), Trans Union, and Equifax (also known as CSC and CBI).  These are the three we will automatically work to clear.  Since many of the smaller bureaus actually depend on the databases of these three to obtain their information, once you are cleared with these three, you should have no problem obtaining credit due to negative information.

• Can you accept clients from other states?

Yes, CREDITDEFENDERsm services clients world-wide.  If your credit history is maintained in the United States of America, we can assist you.

• Is information you receive from me considered to be confidential?

Yes.  At no time will information pertaining to a client be given to anyone outside of our service and it's assigns without the expressed written permission of the client.

• How will I know the work is actually being done?

You will receive updated credit reports directly from the credit bureaus stating the progress made on your reports.  These updates will begin coming to your mailing address about six to eight weeks from the time we received your signed contract.  You will then continue to receive these updated credit reports thoughout the repair process.

***If there questions or issues we have not addressed, please contact us***