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What to Prepare for Your Credit Consultation Call:
Your Credit Report: Have a recent copy of your credit report handy for review.
Financial Goals: Think about your credit goals and what you hope to achieve.
Questions: Jot down any questions you may have about credit repair or our services.
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Frequently Asked Questions
Got Questions? We've got answers!
Is Credit Repair legal?
Yes, credit repair is legal. We operate within the laws outlined in the Fair Credit Reporting Act (FCRA) and other regulations to ensure your rights are protected while helping improve your credit score.
Can I fix my credit on my own without professional help?
Absolutely! You can repair your credit on your own. However, it can be complex and time-consuming to navigate. Our professionals have the expertise and resources to address credit issues efficiently and effectively, saving you time and helping you achieve better results.
What actions hurt my credit?
Your credit can drop quickly, but you can protect it by avoiding these pitfalls:
- Not paying bills on time
- Filing for bankruptcy or foreclosure
- Applying for too many credit accounts
- Carrying high balances on your credit cards
- Ignoring questionable negative items on your report
How long does the credit repair process take?
The credit repair process varies depending on your unique situation, but most clients begin to see noticeable improvements within 35 to 90 days.
Credit Bureaus will investigate your dispute letters and will send you responses every 35 to 45 days. But the entire process might take 4 to 6 months, sometimes it may take longer than that depending on the result of the credit bureaus investigation. Please note that everyone’s case is different, no two people have the same things on their credit. We’ve seen people get results in one month while others graduate in 18 months.
We monitor this whole process and keep you informed on what you could do to speed up the process during this time frame. We have had clients gain up to 200+ points and all removals within the first 60 days, but those are not typical for everyone.
Does checking your credit score lower it?
No, if you will check your credit scores on your own like you request for your own credit report.
Yes, if you apply for a credit and the lender/creditor checks your credit scores for credit check. Either way, you'll see an “inquiry” on your credit report
Will deleted items go back on my credit report?
When an item has been deleted, occasionally, verification comes in later on behalf of the creditor. The Fair Credit Reporting Act recently modified its language to keep items from being re-reported on your report. Also, you must be informed before an item that was taken off before can be reported again. Once removed, it is quite unusual for a listing to show up again. If an item is re-reported, it is a simple matter to challenge the listing again and press for permanent deletion.