FAQs
What is a credit report?
A credit report is a track record of both your personal and financial credit information. This includes information from public records, personal identification, and debt information. Your report will show your payment history, debt balances, items in default, collections, and who you owe money to.
What is a credit score?
Your credit score is a 3-digit number between 300 and 850, which shows your creditworthiness. Lenders use your credit score to decide whether or not you qualify for loans. They also use your credit score to determine your interest rate.
Does looking at my credit report affect my score?
No, requesting or looking at your credit report does not impact your credit score.
What does my credit score affect?
Lower scores can lead to missed employment opportunities, higher interest rates on loans, loan denials, and difficulty obtaining big-ticket purchases like homes or cars.
Why is credit repair important?
Unfortunately, many people have errors on their credit reports which can lower their scores. These mistakes can cost you money and are challenging to remove without a specialist.
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 credit responses 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 score 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 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.
Who can see my credit report?
A variety of entities can request and view your credit report. These include
Banks
Student loan providers
Utility companies
Insurance companies
Landlords
Employers
Collection agencies
Government agencies
Any entity with a court
order
Banks
Student loan providers
Utility companies
Insurance companies
Landlords
Employers
Collection agencies
Government agencies
Any entity with a court
order
How common are credit report errors?
A study by the Federal Trade Commission found that 1 in 5 Americans have errors on their credit reports, and 1 in 10 Americans have errors that lower their credit scores.
How many credit bureaus are there?
There are three primary credit bureaus: Experian, TransUnion, and Equifax.
Are all three important?
Each credit bureau likely keeps records of your finances and transactions. They are equally important. Employers, loan officers, and others may contact one or more of these bureaus for your information.
Will my information be protected?
Of course! Your private information will remain secure at all times. Check out our Privacy Policy for more details.
What do you need from me?
To get things rolling smoothly, here’s what we’ll need from you: A copy of your State ID with your current mailing address.Your Social Security card (just a copy will do!). One of the following with the same address as your ID: A utility bill (electric, water, gas, etc.), orYour car registration.
Once we have these items, we’ll be ready to move forward quickly. Don’t worry—if you have any questions or need guidance pulling these together, we’re here to help. Let’s make this happen!
Once we have these items, we’ll be ready to move forward quickly. Don’t worry—if you have any questions or need guidance pulling these together, we’re here to help. Let’s make this happen!
What if my ID doesn't have my current mailing address?
If your present address differs from the one on your ID, provide one of these documents as proof of residence.Pay Stub, W-2 Form, 1099 Form, Rental Lease Agreement, House Deed, Mortgage Statement
Can bankruptcies be removed from my credit report?
Generally tell our clients they shouldn’t expect their bankruptcy to be removed. Bankruptcies are public records, and tend to be in most cases the most difficult to remove if they are still within 7 years old.
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.
Can collections be removed?
Of Course! We have had success challenging collections and removing them from your credit report.
Can repossessions be removed from my credit report?
Yes, our proven methods of dispute can remove repossessions. Repossessions are difficult to remove, so the percentage of removals would not be as high as a simple late payment for example. However, there is no action step or approach that we won’t take.
Can foreclosures be removed from my credit report?
Although they are very difficult, we will take every step possible to do so. Keep in mind that all public records remain “public records” however.
Can student loans be removed from my credit?
Late payments on student loans can be removed, although student loan debt cannot be settled.
Can inquiries be removed from my credit?
Yes, a creditor must provide documentation showing you applied for credit with their company, if they do not provide proper verification then the item is removed. Inquiries are a very small aspect of your credit score however and they commonly do not affect your credit score past 90 days. We usually approach these last if you would like us to, instead, we focus on the more critical items affecting your credit to begin with.
How does your company guarantee its work?
We take pride in delivering top-quality results, and we stand behind everything we do! Here’s how we guarantee our work:
Clear Communication: From the start, we’ll make sure you know exactly what to expect. We’ll discuss your needs and set realistic goals so there are no surprises.
Experienced Professionals: Our team is highly skilled and trained to get the job done right the first time. We’re all about quality!
Thorough Quality Checks:Before we wrap up any project, we double-check everything to ensure it meets our high standards—and yours.
Satisfaction Commitment: If something isn’t right, we’ll make it right. Whether it’s revisiting the work or addressing your concerns, your satisfaction is our top priority.
Your trust means everything to us, and we’re here to go above and beyond to earn it.
Clear Communication: From the start, we’ll make sure you know exactly what to expect. We’ll discuss your needs and set realistic goals so there are no surprises.
Experienced Professionals: Our team is highly skilled and trained to get the job done right the first time. We’re all about quality!
Thorough Quality Checks:Before we wrap up any project, we double-check everything to ensure it meets our high standards—and yours.
Satisfaction Commitment: If something isn’t right, we’ll make it right. Whether it’s revisiting the work or addressing your concerns, your satisfaction is our top priority.
Your trust means everything to us, and we’re here to go above and beyond to earn it.
Can I cancel this service?
You have the right to cancel this Agreement without penalty or obligation within three 3 business days of signing this contract, in compliance with the Credit Repair Organizations Act CROA. Cancellation must be made in writing and delivered to the Company via certified mail or email.
How does the dispute process work?
The credit dispute process is straightforward here’s how it works:
Identify the Issue: Let us know which item(s) on your credit report you believe are inaccurate, outdated, or need clarification.
Gather Your Documents: We’ll need supporting documents—things like statements, payment confirmations, or letters—depending on the dispute. Don’t worry, we’ll help you figure out what’s needed!
Submit the Dispute: We’ll send the dispute to the appropriate credit bureau(s) along with your supporting documents.
The Review Period: The credit bureau will investigate, usually within 30 days. They’ll contact the creditor or source to verify the information.
Get the Results: Once the investigation is complete, the bureau will send you the results. If changes are made, they’ll also provide an updated copy of your credit report.
I just signed up; what happens now?
You will receive a few emails. First will be a welcome email requesting you set up an account. Second and Third will be an analysis of your scores. Fourth will be a notice of the disputes we are sending out for you. From there you will receive emails periodically with info on credit, finances, disputes and updates on the repair process.
How long does it take after signup to start receiving credit reports?
You will receive a report immediately after sign up, through the monitoring system you selected at sign up.
How many disputes can I file per month?
We will dispute in the frequency needed, to ensure optimal results.
