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ABOUT CREDIT REPAIR

What Is Credit Repair?

The term Credit Repair is used to refer to identifying and correcting inaccurate information being presented on a consumer credit report across the three major credit bureaus. This involves disputing the identified items in the form of letters mailed to the bureaus in order to correct or remove the information that is reflected. This also includes a strategic approach to optimize credit scores in order to assist in accomplishing any short or long-term financial goals the customer may have.

What Do Credit Repair Companies Do?

Almost every credit repair company is different, not necessarily in the practice of repairing consumer credit reports but in the way they conduct business. Although operational practices may differ, credit repair companies do:

Identify inaccurate and erroneous information reflected on a consumer credit report
Handle the dispute process.
Advise strategic credit management and development plan designed to raise and maintain credit scores.
Provide results to customers.

Is Credit Repair Legit?

The simple answer is Yes. There are plenty of reputable credit repair companies who assist in providing customers with real results in the form of corrections, deletions, and credit-related advice that can change the course of credit situations for the better. By doing diligent research and asking the correct questions, finding the best credit repair company is not as difficult as it may seem. Just remember that results that seem too good to be true may not be true. Protect your identity, credit, and your finances.

FREQUENTLY ASKED QUESTIONS

What is credit repair?

Credit repair is the process of addressing any questionable negative items that could be hurting your credit profile. If the bureaus and your creditors can’t verify these items are fair and accurate, they are required to remove them.

Can bad credit be corrected or deleted?

The law entitles you to an accurate, fair and substantiated credit profile. If something on your credit isn’t right, you can correct or repair it with the credit bureaus and your creditors.

Can my credit be repaired?

We can promise to help you work to address any unfair or inaccurate negative items hurting your credit profile.

How long does credit repair take?

Honestly, we can’t say. There’s no way to predict in advance how long it will take to repair your credit, as every credit situation is different.

Is credit repair expensive?

We offer several services levels to match your particular needs.

Is credit repair legal?

Of course. You have a right to a fair, accurate and substantiated credit profile. Credit repair is simply one of the ways to help you get there.

What can be removed from my credit report?

Anything inaccurate, unfair or unverified can be challenged with the bureaus and your creditors. This includes collections, late payments, charge-offs, liens, bankruptcies, repossessions and more.

What is a negative item?

Anything in your credit history that could lower your score is a negative item. Things like collections, late payments, charge-offs, liens, bankruptcies, repossessions and more. Especially if these negative items came as a result of identity theft, divorce, medical debt, student debt or military leave, you may be able to remove them through credit repair.

How much does a negative item affect my score?

According to CreditCards.com and CNNMoney, even a single negative item on your credit could cost you over 100 points.

Late Payment Up to 110 points
Debt Settlement Up to 125 points
Foreclosure Up to 160 points
Bankruptcy Up to 240 points
Collection Up to 110 points
Hard Inquiry Up to 15 points

Can divorce hurt my credit score?

Indirectly, yes. While filing for divorce won’t hurt your score, some of the symptoms of divorce could create credit problems. For example, many people miss a payment on their credit during the frenzy of divorce. Or in the aftermath, it may be unclear who is responsible to pay a debt, and payments may be missed. These missed or late payments could adversely impact your score.

Can identity theft hurt my credit score?

Yes. When someone uses your name to obtain credit, that trade line, and any missed payments or collections associated with it, will show up on your credit reports. Even after you’ve recovered your identity, these issues could still be lurking on your credit report. Credit repair is essential to true identity theft restoration.

Can medical debt hurt my credit score?

Yes, past-due medical bills can affect your credit. The good news is, there are laws to protect against certain practices in medical debt reporting. If your credit is being negatively affected by medical bills, credit repair may be a solution for you.

Can student loans hurt my credit score?

Yes, but they can also help your credit. Paying your student loans back on time will benefit your score. Alternatively, missing these payments can cause some significant damage to your credit profile. If that sounds like you, or if you’ve missed other payments as a result of your student loans, it may be time to look into credit repair.

What laws protect my credit?

While there are many laws that apply to your credit, the Credit Repair Organizations Act (CROA) and Fair Credit Reporting Act (FCRA) are the two laws we utilize the most.

When should I start repairing my credit?

Our average client uses our services for six months to twelve months, so the sooner the better. Especially if you have plans to buy a home or car soon, getting started today can save you a big headache tomorrow. Remember every person’s credit is not the same some can take loner time specially if you have car repossessions or bankruptcy in your credit history.

Will paying my bills restore my credit?

You might think so, but unfortunately it does not. When you pay an old debt, the negative credit item doesn’t disappear, but is typically listed as a paid delinquency, charge-off or collection. If your goal is to repair your credit, just paying off your debts won’t get you there.

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