FREQUENTLY ASKED QUESTIONS:
• How long does it take to repair my credit?
Each situation is unique and so is the timeframe required to repair your credit. The majority of our customers see results within the first 45-60 days.
We work on your credit on a month-by-month basis until you are satisfied with the improvement in your credit. Our goal is to improve both your credit report and credit score continuously each month. With that said, keep in mind that no company can promise any specific outcome simply because there are several third parties involved (e.g. Equifax, Transunion, Experian, your creditors, etc.) and no one can predict how they will respond.
• How much can i expect my credit to go up?
It all depends. There are no two credit reports that are exactly the same. This means that improvements we make on one person’s credit may or may not improve the score as much as another’s. The “average”, we’ve found, never applies. We’ve seen scores go up to 200+ points, and others just get the 20 point boost they needed to qualify for their home loan. Everyone’s results will vary, but, you can be certain we will get you the best results possible. And with our “unbeatable satisfaction guarantee®” you have nothing to lose.
•Who can see my credit reports?
Our credit service specialists are the only ones who will see your credit reports, view our privacy measures within our privacy policy—your information is safe and secure.
•How do you restore bad Credit?
We review your credit report and see what’s bad and what could be better.
We get right to work on both — disputing any questionable items on your credit report and addressing the things we believe can help raise your credit score.
•How can bad credit be Legally Repaird?
you are ultimately responsible for ensuring that your credit report is accurate, laws were enacted — specifically the Fair Credit Reporting Act (FCRA) — to assist you. The FCRA gives you the right to contact the credit bureaus directly to dispute items on your credit reports. You can dispute any and all items that are inaccurate, untimely, misleading, biased, incomplete, or unverifiable. Any item that cannot be verified on your credit report must be deleted.
Thousands of people have legally and successfully restored their credit and increased their credit score simply by enforcing their own legal rights. This type of process can be done individually if you have the time, and of course the patience, for the learning curve involved.
•Does paying off my bills Fix my Credit?
Unfortunately, the credit reporting system just doesn’t work that way. When you pay your debt, the negative credit listing doesn’t disappear. There is little difference between a paid negative item on your credit report or an unpaid one. If you can afford to pay off your debts, we would always advise you to, however.
•What items can be removed?
A better question would most likely be “what items cannot be removed”. We can remove everything you can imagine. Here is a list of some:
- Late Payments
- Charge Offs
- Foreclosures
- Judgments
- Repossessions
- Personal Identification changed or corrected
- Closed Accounts
- Bankruptcies
- Negative Settlements
- Liens
- Collection
•Can late payments be removed?
Yes, our methods of disputing have proven to remove any type of late payment whether it is 30, 60, 90, or 120 days late. We see more late payments being removed than any other negative item.