Faq's
Frequently Asked Questions
Credit Repair is the process of removing and correcting inaccurate or erroneous information from your credit report. Our job is to dispute these items with all three major credit bureaus to ensure your credit report is accurate, up-to-date, and as strong as possible.
Yes, credit repair 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 are 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.
Contrary to what credit bureaus want you to believe, credit repair does work in most circumstances. It will only work if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes a mistake or does not adhere to the specific time frame, the negative item may be removed.
Your credit scores are determined by various factors that indicate the history of timely debt repayment, current debt repayment ability, and capacity to handle additional debt. Key elements considered when calculating consumer credit scores include: payment history, credit utilization, credit age, credit mix, and credit inquiries.
Certain key factors have the potential to lower your credit score if not handled correctly which are: late payments, excessive credit utilization, short credit history, limited credit diversity, and excessive new credit applications. Avoiding these pitfalls is crucial for maintaining a healthy credit score.
Our number one priority to our customers is to help them get their financial life back. We do this through constant education while in the process of raising your credit score, rebuilding credit, debt settlement when needed, and dealing with debt collectors. We believe that education is the key to restoring your credit.
We have had success with removing late payments, collections, credit inquiries, student loans, medical bills, repossessions, foreclosures, public records, charge-offs, child support, bankruptcies, tax liens and more within a short amount of time for our clients.
You can expect to see results in as little as 30 days, with it taking up to 120 days in some cases.