Trycera Financial Inc. | FAQ's
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Trycera’s Frequently Asked Questions

Trycera Financial, Inc. provides answers to the most commonly asked questions regarding Credit Reports and FICO Scores.

To see results of 8 yr FTC Study on Credit Report Accuracy, click HERE – FTC Study Results.

How can you legally repair someone’s credit report?

It is your right and responsibility to assure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable and outdated information be removed from your reports.


The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.


The most popular method for restoring bad credit is to send dispute letters to the credit bureaus asking them to remove inaccurate and questionable information. Because of the Fair Credit Reporting Act, you have the right to dispute and delete any items on your credit report that you feel are inaccurate, obsolete, untimely, misleading, biased, incomplete or unverified.


When you dispute a questionable negative credit item with the credit bureaus, you are demanding that they perform an investigation to determine whether or not the item should be listed on your credit reports. If the credit bureau cannot verify the accuracy of the item, then they are required by law to correct the listing or completely delete it from your credit report.


Another facet of credit repair is to work with your creditors to remove the negative items from your credit reports. Your creditors have the ability to delete negative items from your credit reports at any time. With more cooperative creditors, sometimes all it takes is to ask the creditor to adjust or delete a negative credit listing. In situations where this non-confrontational approach is not sufficient, the various consumer protection acts provide you with tools for forcing creditors and collections agencies to prove the accuracy of the reported accounts.


By using some or all of their legal rights to fair and accurate credit reporting, millions of people have legally and successfully restored their credit and improved their credit scores.


Consumer protection laws are in place to keep you from becoming a victim of the credit reporting system. By taking advantage of your rights under these statutes, you can help ensure that you are not charged excessive interest rates or unfairly denied credit.


When a credit bureau investigation fails to remove a negative item, the Fair Credit Billing Act (FCBA) and Fair Debt Collections Practices Act (FDCPA) provides additional avenues for improving your credit score. Sometimes it becomes necessary to attack your credit reports with a variety of legal tactics. When faced with these decisions, Trycera can give you guidance when you need it the most.


How do you remove or dispute items on a credit report?

Trycera helps clients investigate, repair and dispute, as applicable, their bad credit by working to ensure that the negative items appearing within their credit reports are fairly reported, 100% accurate, and fully substantiated.


Your credit restoration processor we will target your unfair credit report items by directing tough questions and legal interventions to the credit bureaus, as appropriate, pursuant to several consumer protection statutes like the Fair Credit Reporting Act, Fair Credit Billing Act, and others. Next, we’ll address problematic credit report inquiries and offer credit tips to maintain and boost your credit profile. Finally, we offer tools to manage your personal finances and increase your financial literacy.


Throughout the process, you will be able to monitor your progress online. Once we’ve received your credit reports, we’ll analyze them and craft personalized dispute letters for the applicable negative items on your credit profile. As the dispute letters go out and when the credit bureaus begin to respond, you’ll be notified and will be able to see the positive progress and impact on your credit profile.


At the conclusion of the credit bureau’s investigation, a new copy of your credit report should be sent to your home along with any deletions or improvements if any were made. Be sure to forward to us any information you may receive directly from creditors and the credit bureaus. In turn, from your online back office, we’ll keep you posted regarding our communications with the credit bureaus.


In order for credit bureaus to maintain a questionable credit listing within your report, they must have evidence that it is fair, verifiably accurate, and wholly substantiated. Very often, disputed credit items cannot be verified in a timely manner because the creditor or third-party debt collector no longer possesses the information or does not wish to go to the trouble of verifying it. In these cases, the listing should be removed. Also, credit bureau reinvestigations must be completed within a reasonable period, usually 30 to 45 days or the listing must be removed.


Remember, just like you have the right to defend yourself in a court of law or prepare your own taxes, you also have the right under federal law to work on your own credit repair. You just need to decide if you have the expertise and time to do so.

How long does it take to repair my credit report?

It would be inappropriate for Trycera or any other credit repair company to promise a particular case outcome during a definitive time frame. In other words, because so much depends upon third parties like creditors and credit bureaus, and because each client case is unique, we can’t predict whether any specific credit report item will ultimately be corrected.


What we can promise, however, is to work hard on your behalf and complete the promised work each month including sending appropriate dispute letters to the credit bureaus, preparing applicable educational material, and making sure that all other service features you have engaged are provided.


Again, the progress of your case will depend on your timely participation (keeping us updated when you have additional information), the nature of your case, and the level of third-party (creditors, debt collectors, bureaus) cooperation. No credit repair company can promise a particular result within a certain time frame since every case and credit report is different.


Be wary of any credit repair company that guarantees to “clean up your credit in 30 days”. Not only is it illegal to guarantee results for credit repair, it is impossible to predict final actions and decisions of creditors, debt collectors, and credit bureaus.

How much does it cost for credit restoration?

Trycera offers an affordable way to restore your credit profile and, depending upon your circumstances, we offer special rates to make our services practical for everyone. Go to and see which program meets your situation. Trycera has worked to streamline our dispute process in order to provide clients with the best service possible at reasonable monthly rates. Now is the time to invest in yourself and get the credit you deserve!

Can deleted items reappear on my credit report?

On occasion, a negative listing that was recently deleted may eventually be verified by the creditor. The Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted listing. The FCRA also makes it more difficult for credit bureaus to re-report listings. Because of these factors, it is fairly rare for listings to come back on once they’ve been deleted.


If a questionable credit item is verified at a later point in time, Trycera will help you challenge the listing again if there are legitimate grounds to do so.

Why is it important to pay my bills on time?

If there are delinquent items appearing on your credit reports that have not been paid off, the actual debt behind the account can remain the same even if the account is deleted from your credit report.  You may still owe the same money that you validly owed in the first place subject to your state’s applicable statute of limitations. If you don’t pay the debt, the creditor or a collection agency may re-report the listing.


Removing a negative item from your credit report without addressing the debt can be a temporary solution.  That’s why we only dispute credit listings that you indicate are inaccurate, untimely, misleading, biased, incomplete or unverifiable.


Sometimes a collection agency will report a debt to the credit bureaus that you do not owe. In these cases, debt validation may be necessary to remove the collections from your credit reports.

Does paying off my debt restore my credit?

You would think that paying off your debt would automatically restore your creditworthiness, but the credit reporting system doesn’t work that way.


When you pay an old debt, the negative credit listing doesn’t disappear. Once paid, it may appear on your credit report as a paid delinquency, charge-off or collection (whatever the case may be).  Of course, paying your debts in a timely manner may prevent future problems with negative items showing up on your credit report.


Unfortunately, if your goal is to simply repair your credit, merely paying off your debts won’t get you there. You also need to work to build and restore your credit profile at the same time. Repairing bad credit is a significant challenge for most consumers and we’re here to help. Trycera has developed a proprietary method for credit restoration that has proven to be effective for thousands of clients.


Be forewarned, sometimes settling a debt will actually lower your credit score. Don’t worry – it’s only temporary.  Sometimes you need to clean the wound before it can heal properly!


Another tip to remember is when settling outstanding debts, request that your creditors stop reporting the account or mark the account as “paid in full” in exchange for payment.

Do I need to see my credit report first before you start the dispute process?

Most people begin researching their credit profile after they’ve been turned down for a line of credit or denied a loan.  Most don’t even know what negative items are appearing on their credit report that’s holding them back.


When contacting Trycera, you’ll receive a copy of your current credit reports.  This will give you a picture of your credit history and after we analyze the details we’ll be able to identify what needs to be repaired and disputed. If you decide to enlist Trycera’s help to dispute the negative items on your credit reports, you’ll be able to get started immediately with the dispute process.


Because of our unique credit education and correction process, even if you’ve never seen your credit report, we suggest you go to and enroll in the appropriate credit restoration program. This will give you the best opportunity to receive the credit profile you deserve

Do you guarantee your work?

It is important to understand there are no guarantees involved with legal credit correction services. It’s impossible to predict the actions of your creditors or the credit bureaus. It’s just like in a court of law where an attorney could never guarantee a client that the judge or jury would find in their favor.


In fact, a credit repair company that guarantees 100% success is not being completely honest with you.  Being a publicly traded company, Trycera is held to the highest ethical standards by the SEC and Trycera emphases and maintains the highest professional conduct and integrity.


Also, Trycera offers over 15 years of experience and its good name as assurances that your case will be handled responsibly, professionally and in a timely manner.

Can I repair my own credit?

Yes. You have the legal right to work out your credit disputes with the credit agencies and credit grantors yourself. It is similar to your right as a citizen to represent yourself in a court of law or do your own income taxes.


However, many people choose to ask Trycera to represent them through the credit restoration process because of our depth of experience and the speed in which we can handle your disputes with the credit bureaus.


When making the decision to repair your own credit reports or enlist the assistance of a professional credit restoration company such as Trycera, it may be helpful to consider the amount of time that you may be required to effectively repair your own credit profile. In our experience, a typical consumer simply does not have the time to research and experiment with credit disputing methods in order to find the best course of action for their individual credit situation.


In contrast, Trycera has the accumulated knowledge from helping our clients successfully remove tens of thousands of questionable negative items from their credit reports. Our extensive experience means you will see the highest possible return on your time and money as our efforts on your behalf will only utilize credit improvement strategies which have proven to be effective. For instance, our propitiatory dispute letters have been written by experts in the field and they understand how to phrase the dispute letters in such a manner as to obtain the greatest results.


Also, consider the amount of time and follow-up required to coordinate disputes with all three credit reporting agencies and the creditors appearing on your credit report. When you begin the credit disputing process, you are initiating a dialogue with these entities. This dialogue requires you to properly respond to a credit bureau and creditor communications in order to keep the credit repair process moving.


In our years of credit restoration experience, we have worked to continually improve and refine our processes to provide the best value for our clients. With that being said, we encourage consumers to dispute their own credit if they have the desire, the time and knowledge to do so.


Many people who have tried to repair their own credit can attest to the difficulty of getting the results they want.  Remember that credit repair is much more difficult than simply sending dispute letters out to the credit bureaus and hoping for a positive outcome.  The credit reporting system does not always work in your favor and many creditors who use your credit score would prefer you have a less than perfect credit score because this allows them to charge higher interest rates and get more money from you.

If I have questions where do I go for help?

When you engage Trycera, our professional team of credit experts looks over your information and your case is quickly assigned to one of our processors. Members of our credit restoration team are available to assist you with any questions or concerns you may have during the course of your credit repair process.  You may contact your personal processor by email at  Also, you’ll have 24-hour access to your credit repair status by following your progress online using your personalized back office.

How do I get updates on the progress of my credit repair?

As we help you work to improve your credit, the credit bureaus will send updated copies of your credit reports directly to your home. So, when you have items removed or improved, you will see them first on your subsequent credit report.


As these credit reports arrive, we ask that you forward photocopies of them to us so we can use this new information to continue working your case. Your processing team can assist you with this process.


In addition, you always have access to your back office where you can view what steps have been taken and when dispute letters have been sent out on your behalf.

Will you need to pull updated credit reports in the future?

Our ability to help you delete questionable negative items is dependent on having up-to-date credit reports. Without copies of your current credit reports, we are somewhat limited in what we can do to progress a client’s case because we need to know the status of previously disputed items before crafting the next round of dispute letters.


For example, if we do not know that a questionable negative item has been deleted and we dispute the same item again, it can slow the process and increase the time until you see your desired results. In addition, if in response to a dispute the credit bureaus deny an investigation or request additional information, Trycera needs to know the details in order to craft the next round of disputes.


Furthermore, the credit bureaus may send you more information than just your credit reports. We ask that you forward all correspondence from the credit bureaus as each item may be useful in handling your individual case.


Clients who are quick to send in their updated credit reports will get the most value out of the service. The less time we spend waiting for your reports, the faster we can get to work on the credit repair process.

How much is my bad credit costing me?

In the past, good credit was a luxury, but now, good credit is a necessity! Whether it’s a mortgage, a car loan, or a credit card, good credit creates opportunities. Bad credit doesn’t. With today’s economic challenges, it is more important than ever to achieve and maintain a healthy credit score.

$250,000 home paid over 30 years:
Excellent 3.9% $1,179.17 $0.00
Good 5.0% $1,342.05 $58,637
Fair 6.3% $1,547.43 $132,574

It is easy to see the financial burden created by bad credit, but the real cost is more difficult to measure. Bad credit affects more than your finances, it can also attack your sense of security, and limit your personal freedom.


Working with Trycera to take action on your credit profile, is much easier to quantify. For about the same price of a monthly cable bill, our premier service will start you on the road to better credit and financial freedom.

Can Trycera really improve my credit?

Trycera takes problematic credit reports seriously. We understand the applicable consumer protection laws, and we help our clients to leverage those legal rights so that their credit reports remain fair, accurate, and substantiated.


From bankruptcies to charge-offs, to tax liens, we have challenged virtually every credit problem, doing work for our clients that resulted in thousands of items removed from their credit reports last year alone. Our 15+ years of experience in the credit repair field have helped many clients to turn their lives around.


Credit Repair is not what many people believe it is. Effective, enduring credit repair requires taking appropriate action with your creditors rather than simply creating ineffective disputes for credit bureaus. We help our clients frame the tough questions that they are legally entitled to ask, and we invoke several consumer protection statutes in our work to improve their lives.

How does credit repair work?

Ever since consumer protection statutes made credit repair possible, creditors have been working to make it complicated and difficult. Trycera’s 15+ years of experience fighting for consumers have helped us develop tools and strategies to make things easier for you — the way it should be.


The Trycera Process:

Step 1: Gather your information – Once you engage our firm, we help you obtain your credit reports from the three major credit bureaus: TransUnion, Experian, and Equifax. Since each client’s case is unique, we will collect specific information regarding your particular circumstances for each item in question.


Step 2: Take Action – The processors assigned to your case will review your credit reports and then direct appropriate correspondence to the credit bureaus. Your credit report items are carefully vetted and matched with just the right credit repair strategies as applicable to your case.


Step 3: Credit Score Analysis – Every client receives a personalized credit score improvement analysis, including targeted information that may help to raise their credit scores. In addition, your processor is available by email to provide helpful coaching regarding additional credit score enhancing tips.


Step 4: Follow-up – Draw upon Trycera’s 15+ years of experience to work with and be sure to send us any responses you may receive from the credit bureaus or creditors. You can track your case and monitor your results 24/7 with our easy to use online back office.

Why doesn’t Trycera accept faxed credit reports?

While faxing can be a faster way of getting your credit reports to us we’ve noticed that fax machines vary greatly in quality, and because of those variances, facsimiles are often illegible due to smears, smudges or other flaws. This makes it difficult or impossible to read the small typeface commonly found on credit reports, and thus delays the process unnecessarily.


To avoid these problems, we have adopted a policy which requires clients to mail the reports to us, or better yet, provide all correspondence via electronic means. These are the only ways to ensure we receive legible reports from our clients.


Remember when emailing your reports, be sure to keep a copy of your updated credit reports for your records.  Sometimes events beyond our control can cause mail to be lost or held up. Having a spare copy will minimize the effects of these unfortunate delays.

What is a bad credit score?

In the financial industry having bad credit means your credit history shows you are a high credit risk. A credit score of less than 580 is generally considered to be a bad credit score.


Even more, there are a number of other companies and entities that will use your credit history to make assumptions about your character. Landlords, insurance companies, and potential employers may all consider your credit score. Bad credit could contribute to you being denied an apartment, being charged higher insurance premiums, or even not getting hired for a new job.


Because credit impacts so many aspects of our lives, bad credit is one of the most detrimental labels a person can be assigned to today’s credit-driven society. Unfortunately for many people, however, their bad credit label is undeserved.


Thousands of people who are considered to have bad credit are really not a high credit risk because their information on their credit reports are inaccurate and they are being judged unfairly. The inaccurate information on their credit profile is giving lenders an unfair impression of who they are and they are suffering huge financial consequences in the form of higher interest rates and other bad credit-related expenses.


Fortunately, the law affords people who are being unfairly labeled as having bad credit with the ability to dispute any of the questionable items in their credit reports in an effort to have them permanently removed. Trycera’s mission is to help people like this get the credit they deserve by legally removing questionable items from their credit reports including late payments, collections, charge-offs, and bankruptcies.