Frequently Asked Questions
WHAT IS CREDIT REPAIR?
Credit repair is a service provided under the CROA act that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated or unverifiable. Any credit repair agency that claims to be able to remove ANY and EVERY item other than those identified above is in violation of the Credit Repair Organizations Act (CROA).
WHAT IS CREDIT?
Credit is when you receive money, a good or a service, and you agree to pay for it in the future—usually with added interest. Nowadays, we use credit to buy lots of things, from houses and cars to groceries and clothing.
If you use it responsibly, credit can be a useful tool. But if you don’t, you’ll have to face some negative consequences that will make your life harder.
WILL IT HURT OR LOWER MY CREDIT SCORES TO GET MY CREDIT REPORTS?
We recommend a soft pull credit inquire from a third party of your choice (we assist with this step as needed) or a free annual credit report thru a government approved site like annualcreditreport.com. A soft inquiry will not affect your score since you are not asking for any type of credit line or loan and it’s only for personal purpose.
WHAT IS A GOOD CREDIT SCORE?
Generally speaking, there are five tiers of credit score. A good credit score is anything above 670.
WHAT IS A BAD CREDIT SCORE?
Anything below 670 is considered poor or only fair credit.
Why Should I Choose Your Company?
We don’t only work to remove the negative inaccurate information from your credit report, we also give you the information you need to increase your credit score.
How Long Does it Take to See Results?
You can expect to see results in as little as 30 days, with it taking up to 90 days in some cases.
Who Will You Share My Information With?
Your personal information will not be shared with anybody. The only time information is shared would be with an affiliate partner who is a part of the dispute process.
Will Your Service Help Me Get a Home Loan?
By increasing your credit score with the removal of inaccurate information, you will have a better chance of being approved for a home loan.
Do You Dispute with Collection Agencies and Creditors?
Yes, when necessary we will dispute inaccurate information with collectors and creditors.
Can I Call if I Have More Questions?
Sure, call 877-852-5643 or fill out a form on the website and we will get back to you.
WHAT ACTIONS HURT MY CREDIT?
Your credit can be brought down a lot faster than it can be brought up, so it might help to review these things that can hurt your credit:
- 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 MUCH CAN I EXPECT MY SCORE TO GO UP?
Because 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.Everyone’s results will vary, but you can be certain we will get you the best results possible.
HOW DO YOU RESTORE BAD CREDIT?
We review your credit report and see what’s holding your credit scores back and get right to work disputing any inaccurate, untimely, misleading, biased, incomplete or unverifiable items on your credit report. Addressing them accordingly and utilizing different laws like FCRA (Fair Credit Reporting Act) and other laws applicable to increase your credit scores. At the same time providing a tailored plan to avoid future credit problems and credit education along the way to make sure you have a healthy and accurate credit life.
DOES PAYING OFF MY BILLS REPAIR MY CREDIT?
Unfortunately, the credit reporting system 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.
HOW DO I GET FREE CREDIT REPORT?
The credit bureaus have to provide you with a free credit report every 12 months–it’s the law. Outside of this official source, there are many other services that will provide you with your credit score for FREE.
How Will You Get My Credit Report?
There are a few different ways we can do this. You can sign up for something like privacyguard.com, which is a service that gives you access to all of your credit reports. You give the login information to us and we take it from there. Another option is for you to mail us hard copies of your report. You can also upload them to an online portal and send them to us that way.
What Will I Get When I Sign Up for the Program?
Once you complete the sign-up process, we will begin working on your credit report to remove any inaccurate information. The program also provides you with the information you need to keep working on raising your credit score.
How Long Will I Need to Stay in the Program?
Most people find a period of at least three months is necessary while some stay in for up to six months to effectively increase their score.
Is a 3 in 1 Report Better?
Yes, it allows you and us to see what all three of the major bureaus have reported in a single report.
Can You Work On More than One Inaccurate Account at a Time?
We can challenge as many as you want at a single time, the choice is yours.
Can I Start Now?
Yes! Call 877-852-5643 or fill out the form on the website and someone will be in contact with you within 24 hours.
Get Started With Us
A better experience for your life, fewer headaches for your credit. You’ll be set up in minutes.