F.A.Q
Frequently Asked Questions
Do you guarantee items will be removed from my credit report?
No. Every credit profile is different. We cannot guarantee that any account, inquiry, collection, or negative item will be removed. We work diligently to identify potentially inaccurate, incomplete, or unverifiable information and dispute those items in accordance with applicable consumer protection laws.
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Do you guarantee my credit score will increase?
No. Credit scores are determined by the credit bureaus using many different factors. While many clients experience positive results, we cannot promise any specific increase.
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What happens during the consultation?
We’ll review your credit goals, discuss your current situation, answer your questions, and recommend the best solution for your financial needs.
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Is the consultation required before enrolling?
Yes. We require a consultation before beginning credit restoration services so we can determine the best plan for your situation.
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How long does credit repair take?
Every case is different. Some clients see changes within a few months while others require additional time depending on their credit history.
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What items can potentially be disputed?
Items that may be inaccurate, incomplete, outdated, duplicated, or unverifiable according to applicable consumer protection laws.
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Can accurate negative accounts be removed?
Generally, accurate information cannot legally be removed simply because it is negative.
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Do I receive updates?
Yes. Clients receive updates throughout the credit restoration process.
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Do you offer USDA loan assistance?
Yes. We provide guidance through the USDA loan packaging process for qualified borrowers.
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Do you prepare taxes?
Yes. We offer professional tax preparation services during tax season.
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Do you offer real estate services?
Yes. We assist clients with buying, selling, and navigating the homeownership process.
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How do I get started?
Schedule a consultation using our online booking system. After the consultation, we’ll recommend the best service for your needs.
Privacy Policy
Urban Financial Solutions (“we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, schedule a consultation, complete an inquiry form, or use our services.
By using this website, you agree to the practices described in this Privacy Policy.
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Information We Collect
We may collect personal information that you voluntarily provide, including but not limited to:
* Full Name
* Email Address
* Phone Number
* Mailing Address
* Date of Birth
* Financial information necessary to provide requested services
* Credit-related information submitted through authorized enrollment forms
* Information regarding mortgage, tax, or real estate inquiries
* Any additional information you choose to provide during consultations or communications
We may also automatically collect certain technical information, including:
* IP Address
* Browser type
* Device information
* Pages visited
* Date and time of website visits
* Cookies and similar technologies
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How We Use Your Information
We use your information to:
* Respond to inquiries
* Schedule consultations
* Provide requested financial services
* Assist with credit restoration services
* Prepare mortgage or loan packaging
* Provide tax preparation services
* Communicate regarding appointments and project updates
* Improve our website and customer experience
* Maintain business records
* Comply with applicable laws and regulations
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Credit Restoration Services
When enrolling in our Credit Restoration Program, additional personal and financial information may be collected solely for the purpose of evaluating and assisting with your credit restoration services.
Information is handled securely and only used for services you authorize.
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No Guarantee of Results
Urban Financial Solutions is committed to providing professional financial consulting and credit restoration services.
However:
* We do not guarantee the deletion or removal of any account, collection, inquiry, late payment, charge-off, or other item appearing on your credit report.
* We do not guarantee any increase in your credit score.
* Every client’s credit profile is unique, and results vary based on individual circumstances.
Our team works diligently to identify potentially inaccurate, incomplete, outdated, or unverifiable information and disputes eligible items in accordance with applicable consumer protection laws. While we strive to help every client achieve positive financial outcomes, no specific result can be guaranteed.
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Information Sharing
We do not sell your personal information.
We may share your information only when necessary with:
* Credit reporting agencies
* Mortgage lenders
* Government agencies
* Tax preparation software providers
* Service providers assisting with our business operations
* Legal authorities when required by law
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Data Security
We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, disclosure, alteration, or destruction.
Although we take reasonable precautions, no method of electronic transmission or storage is completely secure.
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Cookies
Our website may use cookies and similar technologies to improve website functionality, analyze website traffic, and enhance your browsing experience.
You may disable cookies through your browser settings; however, certain website features may not function properly.
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Third-Party Links
Our website may contain links to third-party websites, including scheduling platforms, payment processors, government resources, lenders, or educational materials.
We are not responsible for the privacy practices or content of those external websites.
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Your Rights
Depending on your location, you may have the right to:
* Request access to your personal information
* Request correction of inaccurate information
* Request deletion of eligible information
* Withdraw consent where applicable
* Contact us regarding how your information is used
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Children’s Privacy
Our services are intended for individuals 18 years of age or older. We do not knowingly collect personal information from children under 18.
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Changes to This Policy
Urban Financial Solutions may update this Privacy Policy from time to time. Changes become effective immediately upon posting to this website.
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Contact Us
If you have questions regarding this Privacy Policy or how your information is handled, please contact:
Urban Financial Solutions
Email: UrbanFinancialSolutions803@gmail.com
Phone: (803) 470-5845
