FAQs


  1. What do I need to do to qualify for Secure Credit Solutions debt relief program?
  2. How will Secure Credit Solutions help me rebuild my credit?
  3. Should I file bankruptcy instead?
  4. How does settling debts impact my credit score?
  5. What will Secure Credit Solutions cost me?
  6. I wanted to check my credit report, but I'm not sure exactly how.
  7. I've obtained my credit report; it says that I have an overdue Discover credit card. I know it's mine but I paid it off. How do I get it removed?
  8. What is a FICO score?
  9. Can I be turned down from a job offer due to my credit?
  10. I have been getting numerous calls from a collection agency; how can I make them stop calling?
  11. The collection agency told me the balance on my credit card was over 5000 dollars; the limit was only 2500, how is this possible?
  12. A debt collector called my employer! I nearly lost my job, is it legal for them to call?
  13. A collector called and told me my only option was to pay the balance in full. I don't have the entire amount of the balance, what can I do?
  14. The collection agent offered me a settlement to 50 cents on the dollar. How can I be sure that it will resolve my debt and I'll never hear from them again?
  15. I am thinking about opening up a retirement account, what is the difference between a Roth IRA and a regular IRA account?
  16. I wanted to make an early withdrawal on my retirement account to pay my student loans, can I do this without getting penalized?
  17. I want to open a retirement account, but I'm not sure which is best for me.
  18. I wanted to have my IRA account invested into stocks rather than a money market account. Can I do this?


  1. What do I need to do to qualify for Secure Credit Solutions debt relief program?
    If you are in a financial hardship, you can qualify for our debt relief program. We provide you with the necessary information in order to help rebuild your credit and avoid bankruptcy.
  2. How will Secure Credit Solutions help me rebuild my credit?
    We don't ask that you set aside a certain amount of money each month. We don't ask that you pay us a certain amount each month to disburse it to your lenders. Although these can be effect ways of paying off your debt, they are also ways of prolonging your debt and that can lead to increase in the amount you owe. Secure Credit Solutions offers a strategic method of paying off your debts in a shorter period of time (less than 5-7 years), how to lower or stop interest rates, negotiate with your lenders and/or collection agencies for a lower amount.
    Debts can be paid in a number of ways, Secure Credit Solutions offers a method that will not only help rebuild your credit by eliminating the debt, but shows you how get into better financial habits to ensure that you stay debt free and better yet, those habits will build your financial foundation for retirement.
  3. Should I file bankruptcy instead?
    Secure Credit Solutions' main objective is to prevent any one of our customers from filing bankruptcy; to show everyone that there are other options for you. However, bankruptcy might be your only option and you must consult an attorney. Before you do, you should understand what bankruptcy is all about, and Secure Credit Solutions wants you to be as prepared as you can when considering bankruptcy. Visit our section "Bankruptcy" for a brief overview.
  4. How does settling debts impact my credit score?
    To settle an account out for less than what is owed will have a slight negative impact on your credit score. However, they are better for your credit rating than a delinquent, charged off account. Secure Credit Solutions debt relief program will allow you to pay off your debts in full if you desire or settle for less and helps you negotiate in order for you to do so.
  5. What will Secure Credit Solutions cost me?
    Whether you decide to enroll into our debt settlement service or simply purchase our debt relief program, our rates are lower than the vast majority of debt negotiation companies out there!
  6. I wanted to check my credit report, but I'm not sure exactly how.
    You are entitled to one (1) free credit report a year. There are three major credit bureaus in which you can obtain your credit report from.
    - Experian
    - Equifax
    - Trans Union
    Please see our credit reports section of our Info Center for further information
  7. I've obtained my credit report; it says that I have an overdue Discover credit card. I know it's mine but I paid it off. How do I get it removed?
    Remember, it could take up to a full quarter year for the credit card company or debt recovery agency to notify the bureaus to have it removed. Take action now and notify the three major bureau's to have it removed. Make sure you provide proof that it has been resolved and keep all paper work.
  8. What is a FICO score?
    FICO is a method of scoring your credit by all three major bureaus and some banks. Your score is reflective of your credit practices; whether you pay your bills on time or not will directly affect your score. For more information on FICO, check our credit report section.
  9. Can I be turned down from a job offer due to my credit?
    You bet you can! This is why it is EXTREMELY important to keep a good credit score. Never get caught in the trap with a bad score; if you already have a bad score its time to do something about it! Find out how YOU can improve your score by cleaning up your credit with our debt relief program.
  10. I have been getting numerous calls from a collection agency; how can I make them stop calling?
    Well first you want to make sure they aren't calling for you. If they are, you should discuss the matter in which they are calling; if you ignore it now it will only get worse. Its best to address your situation now rather than later. You are protected under the FDCPA and can request the agency to stop calling, and continue correspondence through certified letter only. Secure Credit Solutions provides our clients with the proper notification through our debt relief program.
  11. The collection agency told me the balance on my credit card was over 5000 dollars; the limit was only 2500, how is this possible?
    Any debt can take a very long time before it reaches a collection agency. Chances are by the time they are telling you it is more than double what the original credit limit was, it has gone through many different agencies. All of which add their own fees as well as possibly increasing the interest rate. Combined with the original balance and fees, interest and over the limit fees; your balance is now more than twice what it was. It is possible to reduce the amount of the balance, possibly lowering to the principle amount (original balance it was before leaving the creditor), see our debt relief program for help.
  12. A debt collector called my employer! I nearly lost my job, is it legal for them to call?
    Yes. It is legal for them contact your place of employment up to once a day depending on the state in which you reside (check your state laws for more information). However, they cannot discuss or disclose the reason they are calling to your boss, co-workers, etc. Most importantly, you can inform them to cease all contact and to never call your employer again.
  13. A collector called and told me my only option was to pay the balance in full. I don't have the entire amount of the balance, what can I do?
    Don't worry, you have options, probably more than you think you do. Follow the necessary steps outlined in our debt relief program and remember they will be willing to work with you.
  14. The collection agent offered me a settlement to 50 cents on the dollar. How can I be sure that it will resolve my debt and I'll never hear from them again?
    You must obtain that settlement offer in writing and never give your checking account information to anyone unless you have offer in your hands.
  15. I am thinking about opening up a retirement account, what is the difference between a Roth IRA and a regular IRA account?
    A Roth IRA is a post-taxed contribution account, meaning that you're contributing monies that have already been taxed and therefore will not be taxed when it comes time for disbursements. The traditional IRA is pre-taxed dollars in which is then taxed accordingly at the time of disbursement.
  16. I wanted to make an early withdrawal on my retirement account to pay my student loans, can I do this without getting penalized?
    Yes. You are allowed to make an early withdrawal and not be penalized only for a few instances. One being to pay your student loans; however, you will be taxed accordingly so be aware of this.
  17. I want to open a retirement account, but I'm not sure which is best for me.
    You want to do as much research as possible and to best weigh out your options to what retirement plan is best for you. Start by reading our brief explanation of what retirement accounts are available in our retirement section.
  18. I wanted to have my IRA account invested into stocks rather than a money market account. Can I do this?
    Yes you can. However we recommend that you have a full understanding of how the stock market works before you go into investing your retirement funds.