{"id":751,"date":"2020-11-01T15:12:02","date_gmt":"2020-11-01T15:12:02","guid":{"rendered":"http:\/\/thephoenixfls.com\/?page_id=751"},"modified":"2020-11-01T22:59:40","modified_gmt":"2020-11-01T22:59:40","slug":"faq","status":"publish","type":"page","link":"https:\/\/thephoenixfls.com\/index.php\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t
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FAQ<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Most frequent questions and answers<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tI have a bankruptcy on my credit report. Can it be removed?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

By law, inaccurate or unverified information on your credit report can be removed with evidence that the bankruptcy has been misreported. Otherwise, the bankruptcy will be removed after seven years (Chapter 13) or ten years (Chapter 7) after your filing date.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tI have a collection on my credit report. Can it be removed?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

Yes! A collection report can be removed because most collection agencies are unable to provide the original agreement with original signature. If it is a medical bill in collections, providing verification of this bill is a violation of HIPPA law which could prompt legal action.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat does the monthly fee cover?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

The monthly fee covers a variety of items needed to analyze your credit report as well as time designated to develop a strategic plan to help increase your credit score. Typically, credit repair efforts could take up to 4 rounds of disputes given the credit bureaus\u2019 initial 30 to 45 days to respond.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat are the do's and don'ts during my credit rebuilding process?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

Great question! Ultimately, YOU are the only one who has established your \u201cwhy\u201d (mindset is everything during this process). You will have agreed to a plan that was created based on your \u201cwhy\u201d and your finances. We recommend that you stick to your personalized plan developed with our team and avoid adding any new accounts to your credit report. Adding unnecessary accounts to your credit report can instantly disrupt your progress.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\twhy do i need to subscribe to a credit monitoring service?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

For only $20 a month, our credit monitoring service offers monthly updates and frequent monitoring of your credit report. Your credit score will be updated monthly while you work on executing the developed action plan.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow long is your program?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

Our program is tailored to our clients\u2019 individualized needs. We begin our program by first determining your \u201cwhy.\u201d Next, we analyze your credit report to develop a plan through our 4-step process: Visualize, Strategize, Plan and Execute. This process can last at least 3 months until you are ready to embark on the next phase which may include insurance, investing, etc.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\thow long am I obligated to stay in the program?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

We ask our clients to commit at least 3 months of engagement to maximize progress. After 3 months, you may discontinue service at any time before the next billing cycle.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhy choose The Phoenix Financial Literacy Services over any other company?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

The Phoenix Financial Literacy Services offers a variety of services that support the rise of family financial empowerment. Our services begin with the understanding of personal finance (money management) starting as a youth and ends with the preparedness to engage in high-price purchases (such as a home, personal or auto loans). We will be there every step of the way to ensure you are aware of your rights, options and next steps. We are your one-stop service to help you to Visualize, Strategize, Plan and Execute your rise to family empowerment.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

FAQ Most frequent questions and answers I have a bankruptcy on my credit report. Can it be removed? By law, inaccurate or unverified information on your credit report can be removed with evidence that the bankruptcy has been misreported. Otherwise, the bankruptcy will be removed after seven years (Chapter 13) or ten years (Chapter 7) […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_glsr_average":0,"_glsr_ranking":0,"_glsr_reviews":0,"footnotes":""},"class_list":["post-751","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/thephoenixfls.com\/index.php\/wp-json\/wp\/v2\/pages\/751","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thephoenixfls.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/thephoenixfls.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/thephoenixfls.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thephoenixfls.com\/index.php\/wp-json\/wp\/v2\/comments?post=751"}],"version-history":[{"count":4,"href":"https:\/\/thephoenixfls.com\/index.php\/wp-json\/wp\/v2\/pages\/751\/revisions"}],"predecessor-version":[{"id":809,"href":"https:\/\/thephoenixfls.com\/index.php\/wp-json\/wp\/v2\/pages\/751\/revisions\/809"}],"wp:attachment":[{"href":"https:\/\/thephoenixfls.com\/index.php\/wp-json\/wp\/v2\/media?parent=751"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}