Welcome to our FAQ'S
Frequently ask Questions
Credit repair is the process of improving your credit score by identifying and disputing inaccuracies or errors on your credit reports. It involves working with credit bureaus and creditors to correct negative information and build positive credit history.
Yes, credit repair is legal. You have the right to dispute inaccurate or incomplete information on your credit reports under the Fair Credit Reporting Act (FCRA). However, it’s important to be aware of and avoid credit repair scams.
The timeline for credit repair varies depending on the complexity of your credit issues and the responsiveness of credit bureaus and creditors. It can take several months to see significant improvements, and some cases may take longer.
Yes, you can attempt to repair your credit on your own by reviewing your credit reports, identifying errors, and disputing them with credit bureaus and creditors. However, many people choose to work with credit repair companies for their expertise and efficiency.
Credit repair costs vary depending on the service provider and the scope of the work. At our credit repair agency, we offer transparent pricing plans designed to fit different budgets. Please refer to our Pricing Page for details.
Credit repair cannot guarantee a specific credit score increase, as it depends on various factors. However, it can significantly improve your creditworthiness by removing negative items and helping you build positive credit history.
It may take some time for your credit score to improve after disputes are resolved. Credit bureaus typically have 30 days to investigate disputes. Once corrected, it can take a few additional months for your credit score to reflect the changes.
Yes, it’s important to monitor your credit during the repair process. We offer credit monitoring as part of our service, which allows you to track changes in your credit reports and scores.
To get started with credit repair, simply reach out to our team for a free consultation. We’ll assess your credit situation, recommend a suitable plan, and guide you through the process.
Yes, credit repair can be beneficial even if you have a low credit score. It’s often the best solution for individuals looking to address negative items and work towards a better credit future.
No, there are no guarantees in credit repair. While many negative items can be removed through disputes, some may remain on your credit report if they are accurate and verifiable.
Absolutely! While professional assistance is valuable, you can start by reviewing your credit reports regularly, paying bills on time, and reducing outstanding debts. We also offer resources and guidance to help you with DIY credit repair.
Credit repair primarily focuses on improving your credit score by addressing inaccuracies on your credit reports. While it won’t directly reduce your debt, a better credit score can potentially make it easier to qualify for loans or negotiate better terms.
No, your credit should not be negatively impacted simply because you’re using credit repair services. However, if negative items are removed due to inaccuracies, your credit score may change accordingly.
While most negative items can be disputed, items like accurate late payments, valid collections, and legitimate public records (e.g., bankruptcy) are difficult to remove through credit repair.
Yes, you can continue using credit cards during credit repair. Responsible use of credit, such as paying bills on time and maintaining low balances, can positively impact your credit score.
Credit repair services can dispute debts and request validation from collectors, but they cannot guarantee an end to collection attempts. However, once a debt is disputed, collectors must provide evidence of the debt’s validity.
Yes, you can track the progress of your credit repair efforts. Our services include regular updates and access to an online portal where you can monitor the status of your disputes and credit improvements.