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Here are some of our frequently asked questions and answers. Click on the question’s arrow you’d like the answer to!

What Does a Credit Score Mean to Me?

Your credit score represents your financial status and your overall level of financial accountability, all of which are contained within your credit report. Credit scores have a grading scale, generally ranging between 250 and 850. The level of risk lenders, employers, landlords and others are willing to take, often depends upon your credit score, and the details found in your credit report. There are a variety of factors that can negatively affect your credit score such as maxed out credit cards, unpaid or late bill payments, foreclosures, collections…even identity theft.

Does My Credit Score Reflect My Personal Financial Story?

Today’s financial climate has impacted millions of responsible individuals through job loss, personal hardship, health crisis, inaccurate reporting by outside sources, along with other unexpected events. Many have struggled to rebuild their credit and regain financial equilibrium, resulting in a skewed reporting of one’s financial accountability, and affecting their ability to make empowered financial choices. If you fall under this category, teaming up with your own personal ASCENT Network advisor is a prudent choice for getting back on your feet.

Why Is Credit Repair Important?

Repairing your credit helps to restore your financial reputation. Your personal ASCENT Network advisor will help you regain and maintain a positive financial profile so you can make more self-directed financial choices for your life. If you feel you’ve been unfairly reported, it’s important to note that federal law requires credit companies to comply with explicit guidelines before they can report your personal/financial information to credit bureaus and others.

Therefore, the law protects individuals who have experienced times of difficulty from “credit jail,” of being cast into years of unnecessary penalty. Our team reviews, investigates, challenges, and even disputes negative credit report items you find questionable, and helps restore your financial reputation. We help take the “complicated” out of your finances using a simple, proven and tested method of credit repair, while helping you grow a healthy financial future.

How Long Does It Take to Fix Bad Credit?

THERE ARE NO SHORTCUTS. The average ASCENT Network client attains their stated goal of credit score improvement within 6-9 months after engaging our professional services. For any company that promises 30-90 day results, our best advice is to RUN! The Fair Credit reporting act gives each creditor 52 days to give their first response to an inquiry or dispute, and therefore, such a claim is unrealistic based on current federal law. That being said, clients, in some instances, may see results within the first few months, but with credit repair, patience is the key to obtain maximum results.

What is the Difference Between Debt Consolidation and Debt Settlement? Do You Offer Either?

At ASCENT Network, we offer debt settlement, not debt consolidation. Here’s why:
Debt consolidation, is generally put in a reserve, pooled account. The first payment made is to the debt consolidation company. After the fact, funds are negotiated with the creditor. This can skew the consumer’s debt, and prolong financial hardship. Sadly, some debt consolidation negotiators may manipulate the consumer’s debt to their advantage, and even make the consumer’s credit report look even worse.

Debt settlement, however, addresses the consumer’s inability to pay the debt in full, while at the same time, shows the consumer’s responsibility for repayment of the debt. All payments issued using ASCENT’s Debt Settlement and Negotiation Services, are made directly to the creditor by the consumer. ASCENT focuses upon how your credit reports look. In other words, they work to help you safeguard your financial reputation so that you can get the credit you deserve.

How Am I Kept Aware of The Process While Things are Going on with the Lenders?

Every action and correspondence done with the credit bureau is emailed to you. Your ASCENT Network advisor will also let you know when to expect their response with a reminder email.

Who Can View My Credit Reports?

Only the people you authorize can view your credit report. It is illegal for any company or agency to run your credit without your permission. However, unless you opt-out during a loan application process, you may be unknowingly authorizing credit card companies and other lenders to do a soft pull on your credit. So, it’s important to read the fine print! We encourage you to contact your ASCENT Network advisor to learn more.

How Can I Trust Ascent Network?

ASCENT Network, a non-profit organization with a 501(C)3, is under the management of Aaron Huebner, a 31-year veteran in the financial industry. Throughout the years, ASCENT has been successful in removing ALL types of negative account reporting, including bankruptcies, tax liens, charge-offs, late payments, judgments, foreclosures and more.

Our team is in continual communication with creditors and credit bureaus to resolve unfair or inaccurate negative reports that impact your credit score. We also assure that your credit history is up-to-date, and is reflected fairly and accurately. We use advanced, encrypted technology to safeguard your information. Be assured that you’ll be assigned a personal account manager who will take you through every step of your credit score improvement process.

What Are the Hours I Can Speak with an Ascent Network Advisor?

Communication is key to achieve optimum results. You may reach out to your ASCENT advisor via email, fax, even via our website at any time with any questions you may have. We’re happy to provide you with the latest information regarding your file.

Sometimes you may simply want to speak with someone personally to better understand the credit repair process, or receive some much-needed encouragement. We welcome you to give us a call at our toll-free number Monday through Friday, 8:00am to 5:00pm PST, at 1-877-871-2400.



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