FAQ's

 Credit repair is the process of improving your credit report and score by addressing negative or inaccurate information. This often involves reviewing your credit reports for errors, disputing incorrect items with credit bureaus, and working to remove or update negative marks such as late payments, collections, or charge-offs. The goal of credit repair is to help you achieve a healthier credit profile, which can make it easier to qualify for loans, better interest rates, and financial opportunities. And having a plan of action to quickly improve your overall credit health is essential for financial freedom and to unlock financial opportunities. 

The credit repair process typically involves the following steps:

1. Obtain Your Credit Reports: Request free copies of your credit reports from the three major bureaus (Equifax, Experian, TransUnion) through one of our affiliated credit monitoring companies for $1 for the first 7-days and then at a monthly discounted price, separate from credit repair service monthly fee. 
2. Review and Identify Errors: Carefully analyze your 3-bureau report for the negative and inaccurate items affecting your credit scores. 
3. Dispute Inaccurate Items: Prepare/send AI generated dispute letters to the various reporting agencies to challenge these negative and inaccurate items to lawfully and ethically get them removed from your report. 
4. Follow Up on Disputes: Monitor the progress of your disputes and ensure that incorrect items are removed or corrected within the bureaus' timeframes.
5. Address Valid Negative Items: Work on paying off debts, negotiating settlement of collections, or requesting goodwill adjustments for late payments.
6. Build Positive Credit: Establish or improve credit by making timely payments, reducing debt, and possibly adding secured credit accounts.
7. Maintain Good Credit Habits: Continue practicing responsible credit use, paying bills on time, and keeping credit utilization low.
8. Monitor Your Progress: Regularly check your credit reports to track improvements and ensure no new negative items appear.
9. Seek Professional Help if Needed: If the process is overwhelming, consider working with a reputable credit repair service to assist with disputes and credit building strategies.

Remember, credit repair is a gradual process that requires patience and consistent good credit habits.

The duration of credit repair varies depending on individual circumstances. Typically, you can see noticeable improvements within 3 to 6 months, especially if you're actively disputing errors, paying down debts, and practicing good credit habits. 

However, more complex issues like bankruptcies, foreclosures, or multiple negative items may take 12 months or longer to see significant improvement. Patience and consistent effort are key, as rebuilding credit is a gradual process.

Yes, credit repair is legal. It involves reviewing your credit reports, disputing inaccurate or outdated information, and working to improve your credit profile within the boundaries of the law. Under the Credit Repair Organizations Act (CROA), credit repair companies must follow specific regulations, such as providing clear contracts and not making false promises.

However, it's important to be cautious of scams or illegal practices, such as falsely promising a guarantee of removal to negative accounts or the promise of 700 or 800 credit score outcome and charging fees before any services are completed. Always work with reputable, licensed professionals or directly manage your credit repair efforts yourself to ensure compliance with legal standards.

Negative items that can potentially be removed from your credit report include:

1. Inaccurate or Outdated Information: Errors such as wrong balances, names, or addresses, and outdated items past the reporting time limits.
2. Unverified Accounts: Accounts that the credit bureaus cannot verify or that are disputed and found to be incorrect.
3. Paid or Settled Collections: Sometimes, collections can be removed if they are paid or settled, especially if they are inaccurate or outdated.
4. Wrongly Reported Late Payments: Late payments that are incorrectly reported or belong to someone else.
5. Bankruptcies: While they generally stay for 7-10 years, some errors related to bankruptcy can be corrected or removed.
6. Repossessions or Foreclosures: If inaccurately reported or outdated.
7. Charge-Offs: Paid or outdated charge-offs may be eligible for removal if incorrect.

Keep in mind that accurate negative information, like legitimate late payments or defaults, usually cannot be removed unless proven incorrect or outdated. Disputing errors and inaccuracies is the most common way to clean up your credit report.

While we cannot guarantee a specific score increase or outcome of the results, our services aim to remove inaccuracies that may be negatively affecting your score, which can lead to an improvement over time. 

Yes, you can dispute the inaccuracies directly with the credit bureau by following the proper procedures. However, hiring a professional can help streamline the process, maximize results, and save you time and effort. 

 To get started with our credit repair services, simply click on the button on the Home Page "Get Started Today!" to be redirected to sign up for your free credit assessments, plan of action and a consultation. We'll review your credit reports, discuss your goals, and develop a personalized plan to improve your credit. You can reach us through our website, phone, or email—whatever is most convenient for you. We'll guide you through the process, handle disputes, and support you every step of the way to help boost your credit score efficiently. 

While we strive to achieve the best possible results for our clients, we cannot guarantee specific outcomes or improvements in your credit score. Credit repair depends on many factors, including the accuracy of your credit report, your financial habits, and the cooperation of the credit bureaus and your creditors. We are committed to working diligently on your behalf to dispute inaccuracies and help you improve your credit profile, but results can vary from person to person. 

Disputing inaccuracies may result in a temporary dip in your score, particularly if you close old accounts or if certain items are addressed. However, removing negative information typically leads to a long-term improvement. 

No, we cannot remove accurate information. However, we can help ensure that all information reported is accurate and properly verified. 

Absolutely. We take your privacy seriously and comply with all regulations regarding data protection. All personal information is securely stored and used only for the purpose of providing our services.