Frequently Asked Questions

General FAQ

PLEASE READ: Cancellation or rescheduling of credit or consultation session must be made 24 hours before call or there will be a deductible required for any future bookings.

During our Tax consultations, we will actively listen to your needs and we’ll determine the appropriate avenue for you. If you need assistance filing personal or business tax returns, our team of experienced tax preparers can help.

Our Credit consultation involves an overview analysis of your 3-in-1 credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion). Your free consultation will determine whether you are a candidate for credit restoration. We will provide you with an explanation of the services we offer, what can affect your credit either positively or negatively, and how your credit score is determined. This is also a great opportunity for you to ask questions and share your goals.  If you choose not to use any of our services after the call, you are not liable for any charges.

We strive to not only be compliant, but we are dedicated to establishing a partnership with our clients by providing education and personalized support to our clients throughout the process. We are focused on being by your side and assisting you in meeting your personal financial goals through monthly coaching calls. You may reach us via text message, email, or phone call, and our response time is 24 hours or less.

The services provided by Recure Financial Freedom, LLC are 100% legal. Recure Financial Freedom, LLC only exercises guidance that is parallel to what the laws have specifically laid out. We are required to abide under the state laws in which we do business and as a result we are licensed and bonded through the state of Indiana.

Yes, we adhere to a very strict policy that protects your valuable information. We work to protect your information during transmission, by using Secure Sockets Layer (SSL) Certificate, which encrypts the information you input. Our forms are served across protected 256 bit SSL (Secure Socket Layer) connection that uses a SHA256 Certificate. This is the same level of protection used by online banking or e-commerce providers.

 

Client’s information is protected on a secure server and backed up routinely. To ensure documents are not compromised, we shred all paper documents after saving them in our database. The Recure Financial Freedom staff is trained on how to properly verify customers information and know not to disclose any personal information to an authorized party. Please review our privacy policy for more information.

We are here for you! The best way to get in contact with us is by email at info@recurefreedom.com or text “INFO” to 833-233-7332!

Tax Preparation FAQ

Go to our Tax Preparation page and select "Ready to File!" or book your free consultation!

  • W-2
  • Copy of previous year’s tax return
  • Bank Documents
    • Home Mortgage Interest
    • 1099-INT
  • Capital Gains (Losses)
    • 1099-B
    • 1099-DIV
  • Education documents
    • 1098-T
  •  

The processing period varies per individual. Our tax professionals may request documentation from a client before tax preparation can begin.


Typically, if all required documentation is submitted and all interview questions answered, the tax file can be completed the same day.


Once the tax return is completed and submitted, the IRS will typically have the return processed in 2-3 weeks if submitted electronically.

We charge per form. Fees are dependent upon the amount of time put into preparing a tax return, as well as the degree of complexity of the tax return.

Within 24 hours of submitting your documents, you should be contacted by a tax preparer by email or phone.

Don't Panic! Please forward a scanned copy of that letter to your tax professional via email. They will review the letter and your case to determine the best possible course of action.

No. You do not need to wait to have your taxes prepared. We can prepare returns NOW!

 

Then we will file your return(s) electronically as soon as the IRS will allow. Having your return(s) prepared early will allow you to avoid the rush at filing time.

 

The IRS will not accept any returns until February 12th. Please be aware that the IRS will not process refunds involving the Earned Income Tax Credit (EITC) or Additional Child Tax Credit (ACTC) until the beginning of March.

We can provide a free ESTIMATE using your final pay check stub(s). Then your return will be ready for us to file with the IRS as soon as we get your W-2(s).

There is no cost to consult with our tax preparation experts. If you choose to pick up your check at our office, have your refund deposited directly into your bank account, have your refund loaded onto a Debit Card, or take advantage of our cash advance loan, our fees will be deducted from your refund.

 

Otherwise you will need to pay the preparation fee upfront before we file your return. We will be happy to tell you the fees up front before we prepare your return.

We have many options to choose from. You can pick up your IRS and Indiana refund checks at our office; have the funds deposited directly into your bank account; or have them loaded onto a Debit Card. If you choose one of these, our tax preparation fees will be deducted from your refund so you don’t need to pay upfront. Or you can pay the preparation fees when we file your return(s) and have your refund check(s).

Yes, we can prepare tax returns for all states, EXCLUDING California, Connecticut, Maryland, Nevada, New York, and Oregon.

You may qualify for a CASH ADVANCE LOAN up to $6,000! Give us a call at (833) 233-7332 for more details. ENDS FEB 28TH

Yes! We’re happy to file an amended return for you by appointment.

You can call the IRS tax information line at 800-829-4477, or use this link to find out the status of your tax refund.

Credit Restoration FAQ

Absolutely! By law, the Fair Credit Reporting Act (FCRA) gives you the right to dispute anything on your credit report that is inaccurate and unverifiable. If these items cannot be verified (usually within 30 days), they must be removed immediately. Studies have shown that 79% of credit reports contain errors, that’s nearly 8 out of 10 reports!
Credit bureaus and collection agencies make millions of dollars due to inaccurate, erroneous and unverifiable information being reported to your credit report through deceptive reporting practices. We use laws that have been put into place to protect YOU, the consumer, so that you don’t have to pay extra money in interest or get denied due to credit reporting errors and inaccuracies.

⦁ Firstly you  sign up for one of the programs.
⦁ Once enrolled, you will schedule a 15 minute phone consultation call from the link in your sign up email
⦁ Next, sign up for a credit monitoring service (e.g. IdentityIQ, SmartCredit, etc.). We do not recommend 3rd party apps or credit services such as Experian or Credit Karma. 
⦁ Once you have signed up and scheduled your consultation call, one of our Certified Credit Counselors will call you on the scheduled date and time. It is important to sign up for credit monitoring before your call so that we may have time to go over your credit report in detail prior to and then discuss it with you during the call.
⦁ After the call, your credit goals and a plan of action will be determined. You will receive information via email about when your first round of disputes will be sent. Due to COVID, Please allow at least 30-45 days for responses from the bureaus.

We will guide you through the process from start to finish and prepare all your documents for you. We will review your profile, perform an analysis, and create a personalized action plan. We work diligently to get results, but this is not an overnight process and we ask for your patience. We have spent a great deal of time learning the laws, financial education, and training to help our clients reach their goals. We provide free education and monthly coaching calls with status updates. Our knowledge and process empowers us to offer you 100% of your money back (excluding the document processing fee) if there are no deletions in 120 days. Please refer to our Money Back Guaranteed Policy.

Just like your social security number is unique, your credit report is unique also. We cannot promise you a specific timeline, nor guarantee specific results. If you work closely with us to follow credit best practices, we can ensure that you can achieve your credit goals. On average, credit improvements can take 3-6 months and sometimes up to a year or longer for some items. A Legitimate credit repair process is not an overnight fix. We try to remove inaccurate, unfounded, out of date, false, and/or erroneous information as quickly as possible by using a proper approach to get you to your credit goals. Please follow the exclusive advice we give you to make this a smooth and successful process. The important thing is making sure that your credit is repaired the right way so that you have a solid financial foundation for the future.

This is a partnership! For Recure Financial to provide the best results, we need you to work WITH us. Along with our recommendations, we need you to:
⦁ Pay all your bills on time and keep your payments up to date. This includes mortgage, cell phone bills, auto payments, and all revolving lines.
⦁ Never charge more than 25% of available credit from your credit cards.
⦁ Get all the recommended credit lines that we suggest for your personal credit file.
⦁ Immediately forward any correspondence from the bureaus/creditors regarding your accounts. This is super easy through your ⦁ client portal, or you scan and ⦁ email them to us!
Learn more: Our Services

You are entitled to a 100% refund on all monthly payments (excluding the document processing fee) if:
⦁ We do not remove ANY negative items worked on within 120 days of signing up.
⦁ You have not used a credit-consulting agency nor attempted to repair your credit at least 1 year prior to signing up for our services.
⦁ You have had no new collections or missed payments since signing up with us.
⦁ You have always maintained credit monitoring services during the time frame we have been assisting you.
⦁ You agree & have sent updated reports/responses from the three credit bureaus & creditors to us within 5 days of receiving them.
(You should receive updated credit reports every 15-45 days and make us aware if updated reports have not been received.)


OUR DIY KITS ARE NON-REFUNDABLE, BY PROCEEDING WITH PAYMENT YOU UNDERSTAND & AGREE TO THIS.

Credit Repair is the process of removing inaccurate, unfound, false, and erroneous information from your credit report. Your credit report dictates your credit score.  The major credit bureaus collect information from the lenders, creditors and debt collectors and apply it to your credit report. Based on that information, your credit score is determined. This information could include the balance on a loan or credit card, credit inquiries, debt to income ratio, and most importantly, credit utilization (the percentage of debt you have on available credit)  

You are legally still responsible to pay back any debt owed within statutes of limitations, which starts the date of your last payment with that creditor. Indiana has a statute of limitations of 6-10 depending on the type of debt. If it has been more than 6 years since a credit card debt became due, the creditor can no longer take collection actions for that debt. Anything deleted from your credit report just means it no longer hurts or affects your score. 


What is a Credit Score?
A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. Credit scores range from 300-850. The higher your score is, the more likely you are to get a loan.
The lower your score is, the less likely you are to get a loan. If you have a low credit score and you do manage to get approved for credit then your interest rate will be much higher than someone who had a good credit score and borrowed money. Therefore, having a high credit score can save many thousands of dollars over the life of your mortgage, auto loan, or credit card.

Yes, you can! Everything that a credit repair agency can do, you technically can do yourself. We offer a low-cost DIY Credit Repair Kit to assist you on your journey to better credit! However, you need the willpower to put in the work of contacting agencies and creditors and educate yourself about credit laws to be successful. The process of trying to work out a settlement and verify information can be stressful & challenging. For this reason, we have trained professionals ready to assist you if you become too busy or run into roadblocks while trying to repair your own credit, you can always sign up here!

Under the Fair Credit Report Act, you have three days after initial enrollment to annul the agreed contract. Our contract has no forced requirement for how long you must maintain our service. That means you may cancel at any time without suffering cancellation fees. However, our services are paid 30 days in arrears, so the client’s still obligated to pay for services already rendered if canceled. To avoid occurring additional service fees, you MUST cancel (7) seven days prior to your due date.

 


OUR DIY KITS ARE NON-REFUNDABLE, BY PROCEEDING WITH PAYMENT YOU UNDERSTAND & AGREE TO THIS.