Frequently Asked Questions

General Questions

1How Do i Get Started?
It all starts with a Free Consultation, which you can get by visiting our Sign Up page We're different from our competition in that every one of our clients receives individual attention from account managers. We formulate a customized plan of action based on your specific needs. No two clients are alike!
2Can we communicate through Email?
We are here for you throughout your credit-repair experience. You can always email us with any questions you have. We’ll get back to you promptly so that you can always keep moving forward. If you are not already a member of occonic.com and have questions about the service email us at info@occonic.com. If you are a member and have questions about your account submit a support ticket in the members portal.
3What Payment Methods Do you Accept?
We currently accept Cash & Paypal with Major Credit Cards (MasterCard, Visa, Discover)

Financial Solutions

1Is Credit Repair & Restoration legal?
Yes, credit training is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
2How long will it take to raise my score?
Through our services, 93% of our clients see their credit score increase 10 points or more in the first 35 days. Over the full 180-day term of the contract, the average credit score increase is 102.7 points. See full statistical breakdown.
3What items can you help me to remove and improve?
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
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