MIRON CREDIT CONCIERGE
MCC @ your service...
FAQs GOT QUESTIONS? FAQs
Miron Has Answers
Clearing the Air
We believe in facts, not fiction.
Here is exactly what you can expect from The Miron Method.
Our timelines, and our legally-backed approach make us more effective.
Find the answers to your questions below.
Got Questions?
Frequently Asked Questions
How Much is The Cost of Credit Repair Service?
As our customer, you ONLY pay for two things: (1) The cost to monitor your credit profile, and (2) to service of repairing of your credit profile.
1. The credit monitoring system Miron Credit Concierge (MCC) uses to obtain your credit reports charges a $1 fee, which is a 7-day trial. After that time a $19.99+/month (required) fee is charged. This monthly fee is according to your chosen plan.
We cannot track your daily credit activity without the monitoring system attached to your account.
2. Our service is FREE for the first 7 days (trial).
Afterwards our fee is as follows:
* $99/month for individuals beginning the 8th day of service.
or
* $149/month for couples beginning the 8th day of service.
What Is Needed to Enroll?
Enrolling with Miron Credit Concierge is quick and only takes about 5 minutes. You'll only need the basic personal information and a copy of your driver's license, along with a document to prove your residency (utility bill, card statement, etc.).
The card you put on file for our services, must be an actual bank credit or debit card. MCC's billing system cannot process pre-paid merchants, such as: CashApp cards, Chime cards, etc.
What Happens After Enrollment and How Will I Be Informed About Any Updates?
Upon enrollment, MCC will conduct a strategy call and review your credit report with you by phone, identifying each negative item that needs to be addressed. During that call, we will inform you of our plan to pursue. With your permission to move forward, MCC will get started right away, staying in touch with you as needed via your private client portal & email address. We do this so that you're always in the know. It's the Miron Method. *IMPORTANT - In order to remain informed, you must login to your client portal weekly and review all updated credit profile and credit bureaus information there.
Afterwards (every 30 days) MCC's system will update you inside of your private client portal. Your portal is designed to show your newest scores and updated account details.
Also, once enrolled, you'll also have our office support number, in case you need to speak about your 30-day update.
Can I Call You or Meet a Team Member in Person?
Short answer; no. Miron Credit Concierge is a fully curated online company. This is for your security and ours. Also, the time we save communicating online & by phone allows us the availability to focus on the important work we do for our clients. Our website has been designed to answer most inquiries a person may have. However, our team is available for you. Reach us on our contact us page, email us within your private client portal, message us on fb at ______________ , or call us on the MCC Client Support Line (because most questions have been answered on this FAQ page, all calls on the Client Support Line have a time limit of 5 minutes).
Why Choose Miron Credit Concierge?
By now you should be able to tell that we are a proven and honest company who follows all required laws and rules. MCC does not cause or entertain drama or issues with consumers, and we make it convenient for our clients to stay updated!
We have created this FAQ page to answer your questions, so that you never have to pick up the phone or fill out a contact form to get the answers you need. MCC prefers to educate consumers before they enroll, so there are no misunderstandings in the future. Our pricing is fair and if there are any concerns or future questions, it is super easy to contact us.
Please remember that negative account(s) reporting to your credit profile is our highest priority. The Miron Method is to help repair your credit situation so that you can breathe easy, qualify for home & business loans, obtain top-tier credit cards, increase loan approval odds, get better insurance quotes, save on insurance premiums, and discover better job opportunities. If there is ever a concern and you wish to cancel, MCC will respectfully discontinue our services and there will be no hard feelings attached! It's the Miron Method.
In Compliance with the Credit Repair Organizations Act:
Miron Credit Concierge follows all requirements of the Credit Repair Organizations Act (CROA). We do not charge upfront service fees, advertise fake promises, and our clients can cancel anytime. When MCC processes a dispute, that item will only be deleted from a credit report if it is:
inaccurate, incomplete, unverified, unvalidated, and/or if no response is given by the creditor. If you are seeking an "instant credit fix" or any other unrealistic scam, we are not the service for you nor will we tolerate any request or action that could lead to a potential violation in the CROA. https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act
What Payment Method Can I Use?
MCC only accept Mastercard or VISA transactions. Our billing system cannot process Discover Network nor American Express Payments.
Also, we cannot store bank account information. Even if we could, we would respectfully decline to store anyone's routing and account numbers.
Right to Cancel Anytime
Miron Credit Concierege's clients have the right to cancel our service anytime. The only requirement is that you request to cancel your service with us fourteen days (14) days before your next billing cycle.
Fair Credit Reporting Act
The FCRA gives you the right to dispute anything on your credit report. The credit bureaus must investigate these disputed items and remove them when they are found to be non-compliant with the FCRA. https://files.consumerfinance.gov/f/documents/bcfp_consumer-rights-summary_2018-09.pdf
Do I Need the Credit Monitoring Service If I Already Have Credit Karma or the Experian App etc.?
Neither Credit Karma, the Experian app, and others import data from all three credit bureaus into our system, therefore we cannot use them as they do not work within MCC's system.
However, if you already have a credit monitoring membership with recognized companies like SmartCredit, Credit Hero Score, IdentityIQ or PrivacyGuard, we are able to use them. You do not have to enroll into a new credit monitoring membership in that case. MCC does recommend Credit Hero Score, because it appears to be a bit less expensive and its service is very good.
Identity Theft Victim?
If you are a true victim of identity theft, Miron advises that you contact your creditors and follow whichever steps they require to have the inaccurate information removed. We do not handle identity theft cases so as to avoid possible issues with legal situations.
What If a Creditor Is Suing Me?
If you have refused to pay back a loan or credit card for any reason, you are at risk of being sued by the bank who owns that account.
If a creditor sues you or if you recently have been sued and your wages are garnished, contact a lawyer or your creditor to work out a payment plan.
Can ALL Negative Items Be Removed?
Yes! All negative items can be removed IF: They are unverified, unvalidated, reported inaccurately, reported incomplete, there is no response to the disputes, or it is proven to violate anything under the FCRA or FDCPA.
Most credit profiles are affected by late payments, charge-offs, debt collection accounts, bankruptcy filings or other negativity on their credit reports. Many consumers see these items get removed if the credit bureaus find that it fits the descriptions listed above according to FCRA or FDCPA. After working on these items and MCC finds there is no solution, we will notify you immediately.
Will Deleted Items Return to My Credit Report?
MCC is often asked this question from our new customers. If an item returns, normally it's from a debt collection account being sold to a new company to "report again". These are considered unverified items and if the bureaus found it unverified once before, the item can be proven as a 'duplicate reporting' and is usually removed. The 'returned/duplicate' account is an attempt for the reporting company to affect your credit again. This issue can sometimes be part of the process.
How Will I Be Billed?
The card you put on file with us will be billed when the service payment is due each month, on the date you signed up (unless a different date is requested). You will receive an email in advance, letting you know your payment date is approaching. For example: if you enrolled with MCC on January 5th, your 1st payment will be processed on the next day following the 30-day trial period ends, which would be on January 6th for this example, and then on the next day following each 30-day cycle going forward.
Will My Credit Score Drop While MCC is working on It?
This question just might be one of our most asked and many people actually think MCC controls if their score drops during the Miron Method process.
Credit scores ONLY drop when something negative is added to your credit report.
WHEN:
You miss a payment on an account -Your scores drop
You apply for financing (run your credit/add hard inquiries) -Your scores drop
You let an account go into charge-off status or into collections -Your scores drop
You leave balances on your credit cards on the reporting date -Your scores drop
You add new accounts/debt (shortening your average age of credit) -Your scores drop
Credit repair companies are not banks, nor do we report or furnish your data to the credit bureaus. Also, us reviewing your credit will not place a hard inquiry on your credit reports.
What If I Have More Questions Before I Enroll?
Do not hesitate to ask!
With our years of experience, MCC has designed this FAQ section to answer general questions that are asked daily and we usually know majority of the questions most people will ask us. However, if you still have a question or two about things that may affect you more directly.
Please fill out our contact form or email us at [email protected] and we'll respond to your questions by the next business day! Our business hours of 9am-4pm EST Monday-Friday.
*Be sure to check spam if an email response is not received in your inbox*
Is Miron Credit Concierge a Registered and Legit Business?
Yes. Both federal and state laws require us to obtain two things:
1. State registration: MCC is registered in ________ (Registered in Arizona Entity ID is #23859594)
2. Surety Bond for Credit Repair: MCC is bonded with _______ (Bond No #108323851 through Surety1)
This is the first question you should ask anyone or business, before seeking financial help! You do not want anyone working on or reviewing your credit profile, if they are not a registered/legit credit repair organization. With many fake "credit gurus" and online scams, you should take your financial life seriously, and ensure a business is fully legitimate, before using their services.
Welcome to Miron Credit Concierge!
We thank you for taking the time to read the FAQ's above and if you're ready to get started, feel free to get the ball rolling by clicking the sign up here!
After reading everything above, hopefully you understand that MCC is straight forward and stress-free. We educate our clients before enrolling them to make sure they understand how the process works and to ensure they are serious about improving their credit scores.
We have new clients who enroll each month, and they are satisfied with the curated service MCC provides!
Many companies don't take the time to be transparent or honest with their customers and it leads to headaches or misunderstandings.
Welcome! We're happy to have you as one of our valued clients.
We Are MCC @ Your Service...
We thank you for taking the time to read the FAQ's above and if you're ready to get started, feel free to get the ball rolling by clicking the sign up here!
After reading everything above, hopefully you understand that MCC is straight forward and stress-free. We educate our clients before enrolling them to make sure they understand how the process works and to ensure they are serious about improving their credit scores.
We have new clients who enroll each month, and they are satisfied with the curated service MCC provides!
Many companies don't take the time to be transparent or honest with their customers and it leads to headaches or misunderstandings.
Welcome! We're happy to have you as one of our valued clients.
We Are MCC @ Your Service...
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8601 W Cross Dr F5, Littleton CO 80123
(720) 650-8257
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