Frequently Asked Questions

The timeline varies depending on your individual circumstances, but most clients see significant improvements within 45-90 days. Complex cases may take longer, typically 6-12 months for optimal results.

While credit repair significantly improves your chances, approval depends on multiple factors including income, employment history, and debt-to-income ratio. We focus on maximizing your credit score to give you the best possible chance.

Yes, you can attempt credit repair yourself. However, professional services have expertise, resources, and established relationships with creditors and bureaus that can make the process more efficient and effective.

We can dispute inaccurate, incomplete, or unverifiable information including late payments, collections, charge-offs, bankruptcies, foreclosures, and more. We cannot remove accurate negative information.

Our pricing is transparent and based on results. We offer various packages depending on your needs. Payment is only due after we deliver results. Contact us for a free consultation and personalized quote.

Yes, credit repair is completely legal. The Fair Credit Reporting Act (FCRA) gives you the right to dispute inaccurate information on your credit reports. We operate in full compliance with all federal and state laws.

No, filing disputes does not hurt your credit score. In fact, successfully removing negative items typically improves your score. The credit bureaus are required by law to investigate disputes.

Yes, we specialize in identity theft recovery. We can help you file reports, place fraud alerts and credit freezes, and work to remove fraudulent accounts and inquiries from your credit reports.

Yes, we stand behind our services. If we don't deliver results within the agreed timeframe, you don't pay. We're committed to your success and your satisfaction is our priority.

Getting started is easy. Contact us for a free credit analysis. We'll review your credit reports, discuss your goals, and create a personalized action plan. There's no obligation and no upfront fees.

A credit score is a three-digit number (300-850) that represents your creditworthiness. It's calculated based on five main factors: payment history (35%), amounts owed (30%), length of credit history (15%), credit mix (10%), and new credit inquiries (10%).

You should check your credit report at least once per year from each of the three major credit bureaus (Equifax, Experian, and TransUnion). During credit repair, we recommend checking monthly to monitor progress and catch any new errors quickly.

For conventional loans, most lenders prefer a credit score of at least 620, though some programs accept scores as low as 580. FHA loans may accept scores as low as 500 with a larger down payment. Higher scores typically result in better interest rates.

Closed accounts remain on your credit report for 7-10 years depending on whether they were positive or negative. However, if the closed account contains inaccurate information, we can dispute it and potentially have it removed or corrected.

Paying off collections can help, but the impact varies. Newer credit scoring models may ignore paid collections, while older models still count them negatively. We recommend attempting a "pay-for-delete" agreement where the collector agrees to remove the item upon payment.

Bankruptcy significantly impacts credit scores and remains on your report for 7-10 years. Chapter 7 bankruptcy stays for 10 years, while Chapter 13 stays for 7 years. However, you can begin rebuilding credit immediately after discharge, and we can help with this process.

Soft inquiries occur when you check your own credit or when companies pre-screen you for offers. These don't affect your score. Hard inquiries happen when you apply for credit and can lower your score by a few points. Multiple hard inquiries in a short time can have a cumulative negative effect.

Like other debts, student loans can only be removed if they contain inaccurate information or if they're beyond the reporting time limit (usually 7 years for defaulted loans). We can dispute errors and work on rehabilitation or consolidation strategies to improve your credit standing.

Late payments can remain on your credit report for up to 7 years from the date of the first missed payment. However, their impact on your score decreases over time, especially if you maintain good payment habits afterward. We can dispute inaccurate late payment reports.

Credit utilization is the percentage of your available credit that you're currently using. It's calculated by dividing your total credit card balances by your total credit limits. Keeping utilization below 30% (ideally below 10%) is crucial for maintaining a good credit score.

Yes! You can request creditors to report positive payment history if they're not already doing so. Services like Experian Boost allow you to add utility and phone payments. We can also help you become an authorized user on accounts with good payment history to boost your score.

Medical collections under $500 no longer appear on credit reports as of 2023. Paid medical collections are also removed. Unpaid medical debts now have a 1-year waiting period before appearing on reports. We can help dispute medical collections and negotiate with healthcare providers.

Immediately contact your card issuer to report the fraud, file a police report, place a fraud alert on your credit reports, and dispute any fraudulent charges with the credit bureaus. We provide comprehensive identity theft recovery services to handle this entire process for you.